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Thistlewhistle 2014 - A Fresh Start
Comments
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Morning,
What a busy weekend. Had to take some time off MSE to fit everything in!
Anyway, I'm back now!
The cash situation is righting itself slowly, and I think that once I've paid off£90 to a colleague for some leaflets to promote my group, I'll be debt free apart from my £2,250 CC and the mortgage. April has been a slog but thankfully it's a five week month (5 Wednesdays - my group is a Wednesday group) so that helps.
My spending diary continues to be enlightening - full report next Thursday!
Moving forward, I've been authorised to earn on a Tuesday relief group which I cover regularly, which is a huge help, although there's a Tuesday group on my team needed a new consultant and with it not having lots of members in it, the earnings off it are small so my team are reluctant to cover it. It needs a good promotion doing on it, but I just don't have time at the moment.
I've accepted some group cover to help out a colleague over May & June which is worth £360 to me so that'll help as I need to have saved £3100 for my July tax bill. I'm nowhere near at the moment so it's all hands to the pumps - grab it where you can!!!
I'm directing all the earnings from these relief groups to the tax cause (£750 per month) which is huge!!! Still, I can only do my best.
Seriously aiming to submit my 2013/4 accounts as early as possible so I'll
know what my January tax bill will be well in advance. It never ends.
Right, off to face the day......after a coffee of course. It's group night tonight so it'll be a long but rewarding day!
T:DMortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Oh bother,
I'm a couple of days behind on my spending diary updates because of an extra, unplanned stay at OH's. I forgot to bring my computer. Hope I'll remember what I've spent!
OH is looking for a new role which would involve a house move for him - his house comes with his job! It'll be the same distance from my house but in a different direction. The move would be geographically perfect for him as pot holing and caving is a passion of his and the new role is right on the edge of Ingleborough.
As usual, he's talking himself out of it - logging all the reasons why he won't get the role. I could seriously bash him sometimes!!! He's always telling me off for doing that myself!
T:DMortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Calamity of calamities.
I think I might need a new boiler. Just as I was starting to get back on my feet.
Fed up!
TxMortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Oh no Thistle, do you think you could qualify for any help towards it?"It is often said that before you die your life passes before your eyes. It is in fact true. It's called living." Terry PratchettBought our house 2012
Married 2015 
Started renovating 2015 :eek:
Renovation fund... what renovation fund? :eek: Emergency fund 40% Future fund... ongoing...0 -
Aw rats
A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"0 -
Oh no Thistle, do you think you could qualify for any help towards it?
I checked up on this - no joy alas.
My issue is that I sort of want a new kitchen and would have wanted to do the lot together for cosmetic purposes.
However, latest boiler news is that it's working again. OH managed a shower last night. So maybe it's not broken at all, just an intermittent fault. I'll call Paul the Boilerman and get him to come and look. That'll be £50 though.
Starting a Boiler replacement savings fund. It's got £2.41 in it at the moment! Enough for an "On/Off" switch? :rotfl:Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Bought a huge leg of pork from S@insburys last evening - half price of course. Making SW BBQ pulled pork in the slow cooker.
1.5/2kg Leg / Shouder of pork (all fat removed)
5 tbsp Worcestershire Sauce
1 big dollop of whole grain mustard
Tin of chopped tomatoes
3 tbsp balsamic vinegar
Big dollop of lazy garlic
3 tbsp sweetener
Salt & freshly ground pepper
Chuck all ingredients in slow cooker, turn on, come back in 12 hours
Total cost will be less than £15 - will do us at least 8 meals if we eat lots of veg with it.
Can smell it already.....only 11 hours, 3 minutes to go.Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Hi Thistle, dinner sounded lovely. Do you buy the pork with the bone/without? I quite fancy trying that.
Glad to hear the boiler is working, even if it may or be permanently sorted.
What are you up to over the long weekends.
'Nosy' Mrs Tilly x x2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
Hi definitely going to make your pulled pork sounds wonderful. I have bought a half price joint from saints bury too tonight
LgpMortgage value was £135,000 now £43,218
TCB total £12000
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