Lilt and Jellytots most excellent adventure...

sashybo

Hey Lilt, nice one on finding the £5 :j

That's rubbish about Mr A's delivery, I've never done an online shop with them before. Have tried Mr S, Mr T & Waitr0se. The posh one is my favourite but I only shop there when they send me money off vouchers.

Hope your wrist feels better soon as well as your back.

MagicCat

Hello Lilt and other posters,


Hooray for macbook, new baby and roadkill finds! And less hooray for pain, work sick leave stuff and Mr A deliveries. I had one on Friday - not such a hassle as yours, but there seems to be a distinct pattern of not deliverying things that are on offer and substituing with a version that doesn't have the offer - not good. Also, I was offered a sad lone turnip on place of the bag of casserole veg I had ordered, not quite the same!

Lovely to hear Jelly is so happy at nursery, it must make such a difference.

Take care and hope pain improves.

liltdiddylilt

Hello my little pickles!!

Thanks for dropping in. I am blissed out... in bed with the electric blanket as is customary on #nurseryday :rotfl:

I have got a hot cup of coffee, and 2 and a half hours to do nothing but plan and brood and remember marjoram and oregano for my next grocery shop [disclaimer: this will be sometime in February! :eek:].

I have today been awoken by the Jelly at 5:30am. She was having none of going back to bed so her wake up call included peddling her tricycle around the flat, including my bedroom... Making me many a cup of plastic tea on her kitchen, banging the doors, untucking the curtains from behind the radiators to look outside at the 'is dark outside mummy!' - Surprisingly as I didn't get to sleep until after half 1, I feel quite sprightly.

I took her to nursery, went to Mr L where I spent £12 on 100 nappies, ginger nut biscuits, 5 x 100g bars of chocolate, tortilla wraps and rice pudding. (what else does a girl need?) and then popped into the bank to drop in a cheque for £6.20. Am rich I am! The guy made some query as to whether I used internet banking at all, and did I know they had an app. I immediately felt like I must look 147 years old, and so said very nicely, oh yes, I use my banking apps on my phone each day to flick money through my FOUR CURRENT ACCOUNTS... :rotfl: - he said... Four?! Yes, they each give me different rewards say I, although yours will be redundant next month... . Anyway after that, I poddled off home. I washed a mountain of pots, cleaned the kitchen, scrubbed and shined up the bathroom with cillit bang lime & grime, and astonish cream cleaner which makes the water droplets run off so tiles stay sparkly for weeks if I were to be so grubby as to leave them that long! I then made a giant vat of beef & lentil chilli and another mini vat of bolognese from scratch. Both of them could feed myself/Jelly respectively for over a week! Have just had some of the chilli on toast after vacuuming and polishing, and it was the best I have ever made! So nice!

So after washing those pots, here I am. Eagerly awaiting YNAB telling me I am a VERY NAUGHTY GIRL after paying £36 unbudgeted to put Jelly in Nursery for the rest of the month an extra 3 hours a week. Worth its weight in gold. I would happily put off a haircut to pay for this 3 hours. It can't be matched, this feeling I have had since last night of... freedom from stress of trying to fit in all of the above into 2 hours and 40 minutes then fetching Jelly and having no time to myself. I shall look like a happy scarecrow instead

MagicCat I have had that exact same substitution. I may even have ranted at it in this very diary. I think I am done ordering online now. It really annoys me that every single shop there is something wrong.

Off to talk to my budget and then back to peruse diaries xx

Westie983

Lilt, you out of bed yet? What did YNAB say? Had a busy but lazy day just got back from work now recovering in bed, elecyric blanket on has been on for the last three years, pain relief and all that

liltdiddylilt

Loooovvvveee my electric blanket And my baby macbook! Its cover has been dispatched but the click on case hasn't yet. Being delivered to work so hopefully dispatched tomorrow.

I made a sale on eBay and netted myself £55 after fees/postage etc. Posted it off with Jelly this afternoon at pick up time and then came home where we had a fun filled afternoon face timing Daddy, Nan & Grumps to tell them all about her first day. We also ate homemade cookie dough and doritos. All in the name of decluttering of course... :rotfl:

She had a salty bath as she has a sore bum...:( and she proceeded to spend the entire time standing up then jumping down onto her knees. There is a rubber mat in the bath but seriously her knees were red and black and one was even swollen. Could not get her to stop!

She had some bolognese and pasta spirals for dinner and wolfed it down let her hair air dry after brushing it back so it parted naturally and the curls went crazy beautiful so I hope it stays overnight as it did the night before. Sent her to nursery without a hair brush this morning!

Once she was in bed, I made myself some wraps to use up salad rapidly looking sad. Can't complain. I bought it before Christmas! Cleaned the kitchen and washed the pots and have clambered back into bed. It is more for the ambience than anything. Twinkly star lights on the headboard, decorated to my taste with a gorgeous pair of rugs, heavy blackout curtains, lots of soft furnishings... bliss to lie down though and my mac is so light I can type in any position.

FINANCIALS:

Have been trying to work out a conundrum for a couple of hours and I am stumped. Have to wait until tomorrow to figure it out but for some reason YNAB holds £11.03 more in my Natwide account than I have in there. I cannot find it on the statement but there are some charges to hit so maybe the answer is in there. I always keep my receipts etc so am worried I either missed something or was somehow defrauded. That card doesn't have contactless so I know it isn't that but still... a conundrum until figured out!

YNAB says... hmm you silly girl, spending £36 you didn't have to hand... Not to mention owing Him a belated birthday present from November which he is cashing in now. £32 for a 12 month online playstation pass of some sort or other. He said it can wait till next month but I don't like leaving these things.

The gist of it lies something like this. Excluding my £55 gained today, I have £3870.93 in accessible (but I'd rather not!) savings, £300 in non-accessible savings, £7.52 left of my entire January budget for food, household, travel, spending money, and so on in my cash current account. I have £12 or so in my purse on top of this. And another £82 due in in a weeks time but I wanted to leave that to next month.

So I have just shy of £20 to last 16 days. :eek: :eek:

The £55 covers the birthday money and leaves me £23 on top. So that is my overflow. And my forecast was to spend a lot more than that just on normal stuff..

Will tighten my belt and see how far I get. Lol xx

liltdiddylilt

Poop - just realised, a bill of £64.85 to pay off a tax credits overpayment from 2013 will go out on the 28th. Budgeted for but accidentally stored away. Have to break into the *savings*

My own fault for stupidly paying out £1000 on a mac and trying to keep my entire Reg Saver payout :rotfl: and still stay afloat...

Westie983

It all makes sense to me working a bank it'll make sense actually you're to blame for me buying a Mac book as my laptop died for Christmas is okay to blame you right?

Question though why do you have 3K in accessible savings and a 300 in non-accessible? You say you £20 to last till the end of January but you have the cash accessible savings or that is that just that savings!!

Glad to hear the eBay sales before Christmas I have sold £200 worth not looking forward to the fees coming out in a couple of weeks,

top up my income while I was off sick can't wait for my full months worth of Full Pay, living penny to Penny, how the other half live eu,

Your bedroom sounds nice and relaxing I come home from work and got straight into bed I too find it very relaxing though I don't have the audience you mention, Think I will cry my electric blanket finally dies they are not meant to be on day in day out really,

Yay for chocolate biscuits and cookies anything to clear the kitchen out

liltdiddylilt

Oh yes blame away I am totally utterly in love with mine. I got the education discount thanks to a lovely (3) friends on here! Still an awful amount of money to spend in one go. People keep saying, yes but they easily last 10 years if you look after them. And I am thinking... Number 1 I have a 2 year old, and Number 2 I am a clumsy oaf, and Number 3... That is still £100 a year?!?! :eek:

Glad someone else understood my ramblings. You would think I had enough of financials, spending all day number crunching at work, but it actually makes me crunch more at home!!

Ref the savings: I have a FD 6% Regular Saver account. It kicked out 5th January, £3600 plus £92.92 after tax interest. I shoved it all across into a TSB 5% current account to get the best interest for it, and on the 6th January I reopened the FD Reg Saver and deposited the first payment to it. The max you can put in is £300 a month So the main bulk is easy access but still earning well, and I will continue to save this year from my wages. The reason I moved it so far away in terms of ease of access to current accounts (I have 4!) is so that I didn't end up using some of that to fund the new one. Like I did last year

Yay to full pay! That is why I am so desperate not to have a sick day

Westie983

Are okay makes more sense now 6% is good shame I can't get a first direct regular saver have to stick with my 5% TSB account instead not that I have much savings as the money I have in savings is to repay my credit card,

I laughed a four bank accounts i have around eight at the moment, nothing like loyalty to my employer I go ever the interest is, which is Santander and TSB, just don't tell my employer.

liltdiddylilt

TSB is the newest. Have got a Natwide with 5% interest on balances up to £2500 for the first year. Did me well but it is being exchanged for one that will pay me £150 just to switch to them as I can set up a standing order to cover the 2 DD's and leave it there then, as I don't need the interest. Also have a Halifacks account which pays £5 a month. And my FD of course with my lovely reg saver

Don't like Santander. Don't have big enough bills to make the cashback worthwhile! How do you keep on top of 8 :eek: 4 is pushing my limit really!