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Diary of a spendy cow

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  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Great update Mooomin. All is looking good. Sounds like you had a really lovely holiday too. Must've been nice to spend some time with your brother again too :)
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • tomtombeanie
    tomtombeanie Posts: 1,023 Forumite
    Part of the Furniture Combo Breaker
    Welcome home! Sounds like your break was just what you needed & has recharged your batteries...
    :)
    X ttb
    Mortgage free as of 11/11/15 !
    :Anow... to start some serious saving :A


  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    girlatplay wrote: »
    Must've been nice to spend some time with your brother again too :)

    It really was. We've not always got on well, so we were both worried that ten days would be too much, but it was a brilliant holiday :D
    Welcome home! Sounds like your break was just what you needed & has recharged your batteries...

    It did, but my batteries have taken a battering since I got back. I've had a rejection for a job I applied for and for the uni course I applied to, so have no clue what my plans are now.

    Still, onwards and upwards. I just need to look for work and anything else will fall in to place I suppose.
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Valuable ten minutes spent moving Mr Mooo on to a SIM-only deal for his phone and saving me £10 per month :D

    Now scanning the Virgin website to see how to reduce costs there. It's a fun life I lead...
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Yah to fab holibobs.
    Boo to the rest.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

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  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Lovely to see you back Moomin - welcome home :D

    Glad you had a fab holiday and well done on spends. :T

    Hope things come good for work, a real shame about the uni course though. Will you apply again for next year?
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Ali-OK wrote: »
    Will you apply again for next year?

    Not sure, depends on what happens with finding work and if I find a job I love I might not want to take four years off for uni. There's a lot of thinking to be done.

    On to the money:

    Current account: £260 - I've filled the car with petrol and have taken out £50 cash including £20 I owe my friend. We're meant to pay £20 each in to a savings account but the direct debit isn't behaving so I'm repaying her for last month. She has to suspend payments anyway as she just bought a new car, so that'll be another wee reduction in my outgoings.

    Savings: £1820.20

    Food: £147.35 This is to last as long as possible so I don't have to dip in to savings. I have a lot of meal planning to do and a bunch of batch cooking on Sunday I think :)

    Many Nectar points to collect on Adpoints, but I'm working my way up slowly. Being away for a couple of weeks seems to have increased the amount I get :D
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Morning all :D

    I didn't do too well on the budget front this weekend as I spent a tenner or thereabouts at the farmer's market (such nice veg though!) and then £50 on two dresses and a cardigan a friend was getting rid of. The dresses are lovely and in great condition so I don't feel *too* bad about the spend. I got my last payment from my second job which was just over £60 so I didn't batter my budget too badly :D

    Money:

    Current account: £200
    Savings: £1872.10 (plus £288 once a cheque clears for roof repairs)
    Food: £132.30
    Car: £195.18 - only noteworthy because my brakes are squeaking again :mad:

    Nectar points are at 3834/£19.17 with some Adpoints to be added and my Tesco balance is 1161 points. Half of the Tesco balance is from redeeming Topcashback though so it's not as impressive as it looks :D
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Just a thought on the car brakes - are they squealing when you apply the brake pedal? It could just be brake dust build up particularly if they are newish pads or discs, though I know you've had work done on them before.

    It's not a French make of car is it? Well known for it if so and just needs brushing out - my dealership used to do it for free as it wasn't a fault, just an embarrassing noise! :D
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Ali-OK wrote: »
    Just a thought on the car brakes - are they squealing when you apply the brake pedal? It could just be brake dust build up particularly if they are newish pads or discs.

    It's definitely that - that's what it was before. It's a horrible noise though and I'm pretty sure that we need new pads too as the man at the garage hinted at that last time we took the car to get looked at. If it happens every two months though I'm going to get sick of it though :mad:

    He's a Fiat 500, so he's Italian...I think that makes him more tempremental :D
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