Changing digs and coming out of my cave... for a wee while atleast :)

elantan

ZTD wrote: »

Don't forget me...

Good on you prising Skinty from her man-fondling...



No, but you text *really* fast. I guess I'm just a hunt and peck texter... :rotfl:

I think it's just that texting is generally the way most friends like to stay in touch with me so I tend to use it a lot ... I have friends that blow my speed out of the water ... Honestly

elantan

Hi all,

Been working on the whole work balance thingy

Have had a bit of a hectic week but made sure I have taken some time for me as well

Have managed to make some Tilly tidies to the mortgage which is all good. Have been for some training this week and whilst at training we all got to chatting about things ... Independence, pensions, mortgages, debt etc ... I was honestly starting to think "ok this is candid camera or I am in the film Idiocracy "

These people could tell me what Peter Andre's new GF's name, the fact he has a child with her and what the child is called, they could tell me about various dating sites that they found handy but they couldn't tells anything at all regarding any of the subjects above ( and it wasn't even me that brought the subjects up). One girl was discussing how she was going to pull out of the pension as she was paying £100 a month into it, I had to slowly and simply explain to her that yes £100 was a lot of money but that all together over £300 a month was going into the pension pot for her and when I asked her what would you spend the £100 on and the reply came back shoes, I had to slowly explain that yes shoes are lovely but the shoes she will be buying just now will not be edible when she is 65 and that she will have to work much longer in order to afford to retire.

I thought I was in the twilight zone tbh

Anyway more paid off the mortgage, something towards the other only debt and were still cutting back well ... Me El has taken to keeping the work and fun money like a duck to water, although at first he was using some to get some messages in so I had to explain that the money he has is not to be used for that at all, replace the money and now we are back on track, he seems to be questioning every penny spent which is a good thing...

I've noticed my visa bill has been creeping up, I don't fully understand why, we haven't spent money on anything extra apart from the Slava tickets ( but that is a must for us) but I have had to buy diesel twice in one week for example, so will need to keep a wee eye on those spends and work out where the money is going

Night shift all weekend, any free time at work I intend on doing some reading for the uni course I am going on

skint_spice

Bet she still cancels and buys shoes:p I've tried to say to folk if they just keep back a bit of their wages then when a big bill comes they will be able to cope but nooo - that's what credit cards are for.

ZTD

elantan wrote: »

Have been for some training this week and whilst at training we all got to chatting about things ... Independence, pensions, mortgages, debt etc ... I was honestly starting to think "ok this is candid camera or I am in the film Idiocracy "

Most of my working life is spent playing out "Dilbert" so I don't see why you should get away with it...

elantan wrote: »

These people could tell me what Peter Andre's new GF's name, the fact he has a child with her and what the child is called, they could tell me about various dating sites that they found handy but they couldn't tells anything at all regarding any of the subjects above ( and it wasn't even me that brought the subjects up). One girl was discussing how she was going to pull out of the pension as she was paying £100 a month into it, I had to slowly and simply explain to her that yes £100 was a lot of money but that all together over £300 a month was going into the pension pot for her and when I asked her what would you spend the £100 on and the reply came back shoes, I had to slowly explain that yes shoes are lovely but the shoes she will be buying just now will not be edible when she is 65 and that she will have to work much longer in order to afford to retire.

I thought I was in the twilight zone tbh

Welcome...to the real world...

skint_spice wrote: »

Bet she still cancels and buys shoes:p I've tried to say to folk if they just keep back a bit of their wages then when a big bill comes they will be able to cope but nooo - that's what credit cards are for.

Well to be fair (as sometimes I am) they have their time preference bent so hard by a State desperate that people don't save, that *it's no* surprise people have (and will) spend all they have, and it *is* a surprise they haven't spent today's wages in the past.

Scratch that - they have. That's what debt is.

Iced_Bun

Hi Elantan :wave:

Those horse sculptures are amazing just been googling to find out more about them

Loving your approach to the MFW and its one I seem to regularly argue with myself about (its a well known problem with me )
I tend to go for things 100% so if I want to save that means I cant spend which means I eventually get miserable so stop saving - vicious circle. Seem to be getting the balance a lot better now with the pot idea - pots for spends and pots I cant touch. that seems to satisfy my argumentative side!!

You also made me think about the work life balance as well and mine is way out of kilter so as you said that affects health, diet, alcohol intake (:o) everything really. Going to follow your thread to tap into some inspiration for improvement here too

Butti

Pots sounds like it will work for you Iced Bun. You get to tap into both saving and spending.

elantan

ZTD wrote: »

Most of my working life is spent playing out "Dilbert" so I don't see why you should get away with it...

i must come across as thinking i am better/ more intelligent than these people, i'm not, honest ... was just gobsmacked



Welcome...to the real world...

i dont know if i want to be here :eek::eek:



Well to be fair (as sometimes I am) they have their time preference bent so hard by a State desperate that people don't save, that *it's no* surprise people have (and will) spend all they have, and it *is* a surprise they haven't spent today's wages in the past.

Scratch that - they have. That's what debt is.

guilty as charged M'lud

Iced_Bun wrote: »

Hi Elantan :wave:

Those horse sculptures are amazing just been googling to find out more about them

They are ive been following their journey on the book of faces, poor friends have been in undated with the Kelpies, and now that the weather has turned good ... i'm back to CROCSSSSSSSSSSS he he he he

Loving your approach to the MFW and its one I seem to regularly argue with myself about (its a well known problem with me )
I tend to go for things 100% so if I want to save that means I cant spend which means I eventually get miserable so stop saving - vicious circle. Seem to be getting the balance a lot better now with the pot idea - pots for spends and pots I cant touch. that seems to satisfy my argumentative side!!

yep its easy to get all twisted up and confused and loose sight of your goal when you dont have the balance right, i'm tending to find i keep changing my pot ideas and re assessing often, but i am still working towards the goal which is the important thing

You also made me think about the work life balance as well and mine is way out of kilter so as you said that affects health, diet, alcohol intake (:o) everything really. Going to follow your thread to tap into some inspiration for improvement here too

It was HBB that made me think of it tbh and it makes sense, when my work life balance isnt right i am not right ... ok it may not be work life balance it could be helping others/taking time for myself balance but when i dont get things right i notice the effects are almost immediate, and it isnt until i have got the balance back that i start to feel better within myself ... if that makes sense?

Butti wrote: »

Pots sounds like it will work for you Iced Bun. You get to tap into both saving and spending

that was my origonal 100 month goal. debt free and savings, coming at it from one direction i dont think would work for me, it has to be both .

phew back in a mo

elantan

well i had a bit of a hectic weekend, very heavy going at work, these things cant be helped but they are tiring.

Monday ( straight after my night shift) i had restraint training, coffee and sugar by the bucket load there then, had day two of the training today, i really enjoyed the training but boy was it hard work, the sweat was lashing off of me, off of everyone tbh ... but it was a good group and we laughed and joked and pinned each other face down on the ground whilst doing so ... so all good there.

Got my first wage slip from my new job and will get paid tomorrow, now i dont in anyway shape or form want to become used to this money as i will be losing my wage shortly ( so cant wait to hand my notice in) so i decided it was either going towards the mortgage or the pension and my dark tax challenge, after much humming and hawing i have decided to put it into the pension, reason being, i am making over payments to the mortgage, it is coming down, but in ohhh a few years time we wont have a mortgage, and i will have to keep saving for the pension, so i was weighing up the short term satisfaction and the long term gratification ideas, that and the whole £24.38 that i will save in interest over the remainder of the mortgage versus the tax relief £26 straight away and the potential profit kinda made it a no brainer really. Next month i will have a bigger wage so i intend on maybe halfing the money between the mortgage and the pension, i dont want to put it to savings etc as i think Mr El is currently struggling to rein in his spending ( today's purchase was a second hand strimmer) dont get me wrong we need a strimmer, but it always seems to be something if you know what i mean.

Tomorrow i am off to visit Mg, she has kindly offeref to show me how to use my pressure canner and allow me to use her cooker for my first lot so yes it will be extra for diesel etc but it will be worth while, thursday i have more training and friday i have to take a relative to go see her psychiatrist so that should be fun

elantan

skint_spice wrote: »

Bet she still cancels and buys shoes:p I've tried to say to folk if they just keep back a bit of their wages then when a big bill comes they will be able to cope but nooo - that's what credit cards are for.

i bet she does actually, i could see her wee mind thinking ahhhh shoes... it was like something out of the croods

edinburgher

By a strange coincidence, Mrs E and I just bought 4 pairs of shoes between us :rotfl: That said, with mine coming in at a frugal £19.99/pair, I doubt we'll go bankrupt.

People are funny (peculiar) about pensions. I heard one chappy at work talking about auto enrolment and he was relatively ambivelant about it, as long as it 'didn't go over £150'. No awareness of the fact that if he was paying in £150, he'd end up with something like £350 in his pot, just a strange bit of psychological anchoring on a max contribution.

Best not tell him about inflation...