Carrot cake in the oven

in_need_of_direction

Hey superdave, before you invest in wardrobes, invest in the art of tidying by Marie kondo. I'm close to wondering how I will discard furniture previously used for storage. Also, it does make dressing for work a lot easier.

supersaver1000

Hi INOD, thank you for that advice. I'm terrible at rushing out and buying things to solve problems rather than thinking it through. I'll defo do my research first.

It was a nightmare when we moved from our old property because, although it was tidy, I had created so much storage space that it took forever to sort through and pack. This time I only want to keep what I'm using.

Really grateful.
SuperDave

killerpeaty

It's true that kondoing help out with what to wear each day. But storage isn't always a bad thing, I think if you look at a shelf and things are displayed rather than efficiently stored, it is more pleasurable. My show rack for example has shoes at different angles to display the best of each shoe (there are also decorative boxes intermingled). Sure I could have had a smaller rack, but this pleases me.

Perhaps Mr SS could be persauded to take a minor bookkeeping course (you can get them for about £50 if you look at groupon- quidco works with it) to understand how it affects the business?

Is school already out?!

supersaver1000

Thanks KP. I see what you are saying, the storage itself can be beautiful as well as functional.

That's not a bad idea about MrSuperDave and the bookkeeping course, although he will say he knows how to manage money :rotfl::rotfl::rotfl: (its just a shame his specialty is spending it :rotfl:).

SuperDave sD

ps 'School' is my course I'm doing - we've finished for the Summer now. Back in September - Yayyy xx

supersaver1000

Tried posting but when I try to add a link MSE closes down

parsniphead

Supersaver.

I have sent you a PM about the shoe question on the Shabby Chic thread.

Ali-OK

supersaver1000 wrote: »

Thanks Ali. I'm still getting my head around this, it will be even harder explaining it to DH. I'm very meticulous with my bookkeeping and he prefers to lob it in a pot. That's all well and good while he's not spending much. The difficulty comes when he wants to buy something and doesn't know what his limits are. I'll be keeping my eye on it and my stock phrase at the moment is that my way has got us out of the mess his way got us into. He doesn't want to account for annual expenses monthly eg £600 insurance to me means putting away £50 a month, which he can't see doh! However we are early days in SE at the moment and I've told him this is his last chance saloon. :rotfl: but I mean it. He has at last listened and is keeping his personal expenses separate. Before his habits meant he would spend a bit on the cards, a bit from our food account, a transfer to his account, a cheque in for the cards but withdrawn from our account - you get the picture - a whirlwind almost sleight of hand 'where did the money go?' He did a bit of that in April and got the talk but this month was pleased to tell me he's complying. :rotfl: I'm almost not too worried about what he spends for now, so much as making sure it's absolutely clear how much he's spent. And we are definitely making inroads as he's been transferring a good amount to a tax pot, which he says will include spare and I guess that will offset some of the future expenses. This is going to be a long haul process and we are going the right way so far. and it makes me feel better that yours was a 4 year process

Feeling your way as you go but keeping a handle on it at the same time is exactly right - you're doing a grand job keeping him in check :T and I was working to keeping 35% back for tax, ni and unexpected costs. Once you get 18 months in and pay the first large tax bill :eek:, you get to see the whole cycle and should become more comfortable with what money can happily be taken out the business and what needs to stay in the pot.

Once you find the right formula (mine was spreadsheets unsurprisingly :rotfl: ) and balance of the ins and outs, that area will hopefully become second nature. The other side of it is work coming in - how much is booked in in advance so you can temper any costs to keep a good cashflow.

Mapping out annual costs and once established, the peak and low months of work, helps to smooth it out too. I would definitely aim to push your way of breaking up annual expenses into saving monthly so the money is there from nett profit and not tax/ni savings to pay for those lump costs

Sorry, that was a bit long but hope it's useful and feel free to shout as well

supersaver1000

Thank you both advice much appreciated. Xx

supersaver1000

Thanks Ali. DH would always spend money in advance. Of receiving it, and more. The penny seems to have finally dropped, lightbulb on :idea: that he must keep reserves in. I'll still need to keep reminding, but as long as I keep doing that I'm very hopeful.

More exciting and scary news, have been offered a job with more money, will mean more travel and learning a new skill. Mildly daunting, but going to go for it. its a supportive organisation, so I feel it's a chance worth taking. :eek:

killerpeaty

OMG! Well done you! Really happy for you, you are amazing.