Cheery's buttling diary: tea in one hand, plant pot in the other, running shoes on

Cheery_Daff

Evening all :hello:

Bit of end of year spending on food here (£15 - but that included 2 wheels of brie reduced to £1 each which have gone in the freezer :j )

Bread is in the bread machine - made some rolls by hand the other day and they were lovely :j :j And I've actually just managed to fix my own alto flute, thus saving myself a bit in repairs :money: and openingup the prospect of fixing my own saxophone too :money: :j

(I shan't be trying it with my £2000 flute :eek: not just yet anyway! :eek: but the alto flute was only £75, and the sax just £100 off gumtree so I don't mind experimenting a bit!)

Settling in for an evening of Harry Potter watching and Mr Money Mustache archive-reading

Cheery_Daff

Just updated signature - ended up adding £2500 to long term savings in 2014 :j :j

Aiming to add £5000 in 2015 :eek: :eek: Got paid the other day and got house insurance for less than I thought so now got £517 sitting ready to transfer over when we hit January :j :j

Karmacat

Thats very good!

As far as the 12 degrees thing is concerned - if you put it on a timer, thats good enough. If the timer has an accident, thats what insurance companies are there for, surely? They might want proof that you'd had a boiler service ... but you've got that, with all the workmen you've had in the house recently, haven't you?

rtandon27

Cheery_Daff wrote: »

...£517 sitting ready to transfer over when we hit January...

Wow Cheery - that's quite an impressive chunk to start off the year with!!!:D

Cheery_Daff

Er, KC, you know, I'm not entirely sure with everything that went on that we did actually have the boiler *serviced* :rotfl: However, it was jolly well looked at in great detail by several people

Given how much cheaper the insurance was, and that it runs out on 12th January, I've decided to go with it, and *if* we decide to go away next Christmas, and *if* it seems that putting the heating on timer is not enough, I'll just buy alternative house insurance 3 weeks early before we go.

Given that we've saved £181 over this year's renewal cost :eek: I think that's the sensible solution! :j

RT - if I want to save £5000 in 2015 that's £417 a month :eek: Hefty but doable - remember we don't have a mortgage any more :j I've added an extra £100 from the house insurance money but thinking about it I probably should have added all £181 of it!

*buttles off to rejig YNAB spreadsheet thing*

Cheery_Daff

Alright, after adding all of the £181 spare insurance money to the £417 monthly savings, that had me transferring £598 into the ISA. Couldn't be doing with that kind of a number, so rounded it up to a nice round £600 :eek: :rotfl:

That'll give me a nice head start in case there's another month we can't add all £417 I suppose! :j

Karmacat

I like it, I like it a lot Pragmatic, moneysaving, and quick - 2015 is going to be a fantastic year for you, I can tell :j

Cheery_Daff

Thanks KC :j I've been surprised how much i've got back into it all these last few months!

Almost excited about the RAC and car insurance due next month to see what I can shave off that :rotfl:

Going round to friends' house tonight Tis about 2.5 mikes away so with the snow we'll walk over - means both of us can have a drink too and hopefully we'll be so cheerful (and tipsy) that walking 2.5 miles uphill in the snow at 3am will seem like a breeze :rotfl:

We've got a couple of bottles of wine that people left after our Christmas do so we'll take those, and I'm going to make soke breadsticks and hummous too :j Start the year as you mean to go on and all that
:money:

rtandon27

Cheery_Daff wrote: »

...Start the year as you mean to go on and all that...

Tipsy & with a full belly?;)

maddiemay

Cheery_Daff wrote: »

Thanks KC :j I've been surprised how much i've got back into it all these last few months!

Almost excited about the RAC and car insurance due next month to see what I can shave off that :rotfl:

Going round to friends' house tonight Tis about 2.5 mikes away so with the snow we'll walk over - means both of us can have a drink too and hopefully we'll be so cheerful (and tipsy) that walking 2.5 miles uphill in the snow at 3am will seem like a breeze :rotfl:

We've got a couple of bottles of wine that people left after our Christmas do so we'll take those, and I'm going to make soke breadsticks and hummous too :j Start the year as you mean to go on and all that
:money:

Definitely worth having a try to reduce RAC sub, last 2 renewals we had really serious stuff going on and tbh a few quid saved came way down the scale in the importance of things, so this week we priced up the people with the green flag, have a caravan so needed the correct cover, I was gob smacked when I told RAC we were looking elsewhere and they gave us a 41% reduction, admittedly we previously had a pretty large motor home and a car, and had no call outs in 2014, but hadn't expected anything that good:D