Today is not a NSD!

Coffee_Cup

Sounds like you have had a really productive day.

Got to ask what does 'ynab'd' mean???????

slowlyfading

Coffee_Cup wrote: »

Got to ask what does 'ynab'd' mean???????

Jumping in here - it's 'you need a budget' which is an app google it!

Coffee_Cup

slowlyfading wrote: »

Jumping in here - it's 'you need a budget' which is an app google it!

Oooh! I love an app. I wondered if it was something like that but I couldnt for the life of me think what YNAB stood for. Thanks

WishIwasstill25

Woop woop, hang out the bunting, first conscious NSD in months...

Today has entailed:

1) I've put all my regular bills as reoccurring transactions on YNAB. Coffee, you get 34 days as a free trial, then it's $60, don't know if I'm going to purchase yet, it's still got that new toy feeling, so not sure whether it will be a keeper or a sinker.

2) shredding, shredding & more shredding. I'm nearly half way through the shredding, I can only shred for about 5 mins before the machine needs a break, so I've interspersed it with....

3) defiling... I've emptied, removed from plastic wallets and thrown 5 years worth of planning from work. 15 folders!!!!!! It's all held digitally, not that I ever recycle much, it's quicker just to start again, unless it's PE. I'm in a different key stage now and it's a new curriculum. 15 folders though, that's bonkers!!!

4) knitting, I'm behind on my knitting target, so will need to spend a good few hours over the bank holiday weekend catching up.

5) loft.... Oh it's so hard to decide which quote to go with. I want staircase, husband is not convinced, may just book the builder and wangle a decision out of him in front of said builder.... Husbands hrumpf.

So another reasonably productive day, need to file this year's bills and statements, which I can do while the shredder is cooling off.

Hoping for another nsd tomorrow & it's pay day woop woop woop.

Happy Saving one and all

Wish.

WishIwasstill25

So, another NSD today, two on the trot, going out with the girls tomorrow, so can't make it three in a row, but am planning to spend significantly less than I normally do.

So, the shredding continues, I'm now up to the point we bought the house, 10 years ago. I found our mortgage offer and paperwork. So,

We borrowed £79,000 at an interest rate of 5.99%.

When I put this info in an overpayment calculator it said our balance should be around £60k.

We actually owe £47,750, which the overpayment calculator says should be the balance after about 14.5 years. So it looks like we have shaved 4.5 years off our mortgage.

The bad news is our original mortgage payment was £511 a month. It's now £390.00 and I only overpay by £50 regularly. So we aren't making as many inroads as we could have been had we kept up the same payments. Thinking back, we went on the svr just as hubby got made redundant and we needed to conserve money. So my aim is to get our repayments up to £511 a month as soon as I can. My money is quite tight at the moment. Hubby provides most discretional spending, I'm responsible for the bills.

Will have to have another look at YNAB to see what I can shift around.

In other news:

1) I've cleaned the grout in the shower (even hubby commented on how white it is now)

2) the shredding continues, and I've filed all of the paperwork from this year (usually do this every school holiday, seems I've been a bit lapse since Christmas)

3) friend coming round again this evening to use our video editing suite, so I'll cook tomorrow nights tea while I can't get into the office.

4) loft decision has been made, but needs to be communicated to the builders. We are going to go for the loft hatch option rather than the staircase option. The reason for this is long term we want to rent this house out to provide hubby with a pension. I'm worried that having a none building regs roof space room would not be ideal in a rental property, and the last thing I want is for us to have to spend a lot of money taking out the staircase, or bringing it up to building regs (which involves lowering the ceilings in the whole of the upstairs by at least 30cm) am I being sensible here?

WishIwasstill25

A quick update...

Have spoken to mum and dad this evening (they are lending us the money for the loft work) and they are in the process of transferring the money for the work.

They are also giving us £200 to reimburse me for some trains fares earlier in the summer. I would love to have said no, it's fine. But becuase of that things have been really tight this month. I've done it, but my rainy day fund, which was never substantial, is looking dire.
This means that the new spare bedroom furniture I would like is much more of a possibility now.

I've actually had a really rubbish day, but it's ended well.

I'm starting to really worry about returning to school. I've asked three times for an occupational health referral, and it's not been done, I don't know where to turn now. My head would like to meet with me next week to discuss my phased return, but I don't know what that phased return should look like. If anyone has experience, please will you share?

Thanks

Wish.

WishIwasstill25

:T:T:T:T a few claps for me for finishing the nightmare of a job that the shredding was. 4 bin bags full of shredded paper, must not leave it so long next time.

Whilst sorting through papers to shred I found the original receipts for my grandparents engagement and wedding rings, from 1951. I've got the rings too, so think I'm going to try and get them valued, I wouldn't sell these, but am interested to see what they should be insured for.

Loft update: builders arrive on Tuesday.....

Had a nice day out at the beach today, which was free, but husband got up late, and didn't make coffee before we left £11.58 later in a chain coffee shop for coffee & brunch for the two of us has dented the spending money budget on ynab.

Fabulous evening in the pub with the girls, catching up on summer holiday antics, giggling till our pelvic floors could cope no longer.... And all for the princely sum of £6. I thought it might be £10, but even surprised myself.

Ynab all updated, and looking reasonably good, loft money put in, budgeted etc, so going well there.

Tomorrow is a day out with a friend and her daughter, then a business meal out in the evening. We are being wined & dined by a company that want hubby to work for them (still on a freelance basis) but they want him to project manage a pig of a show. Last year he got a call asking him to step in on the day the curtain raised as they were having massive issues.. He pulled the production company out of the piggy paddling pool and The end clients were none the wiser. This year they want him on board from the start.... I feel it's going to cost them. Have agreed game plan with hubby, and checked his preferred sound, light & camera guys are free. As it's a Fri/Sat/Sun event I may even stage manage it myself.

Happy saving one and all.

Wish

WishIwasstill25

Wow.... A LATE night last night!!!!
Coupled with the fact I came down with a 'spot' migraine. (This is my diagnosis, not a doctor's one) intense pain in one spot on my head, so when we finally got in it was strong painkillers, cold pack and sleep. Still feeling groggy, so have pushed back the time I'm meeting friends today in order to come round properly.


on the spending front

50p on duck food when out with our friend and her little girl

£2 on liquid glucose - found a recipe to make home made creme eggs (husband requested creme egg brownies for next week's gig. He was being completely facetious, but I am going to do it!!)

£3 towards the tip at the restaurant (clients paid for meal, hubby put rest in)


the meal out

We were extravagantly wined and dined (lemonade for me as driving)
We were correct in assuming they want hubby to project manage the whole show
I was correct in assuming they will pay well to secure his services

the loft
Deposit paid. Builders starting at 8:30 on Tuesday, need to clear the hall stairs & landing this weekend

Right...... Camomile tea, and toast coming up, before a lazy tidy round of the house and putting the washing on.

Have a great day one and all

Wish

WishIwasstill25

Not much to report but....

Homemade Creme egg filling chilling in the fridge

House tidier than it was

Washing done, one load dry, another on the line

Lovely lovely lovely 3 course lunch with a friend today £17.50 - bargain........ And my only spend of the day. (Hoping for a nsd tomorrow)

Very thankful to sat nag that allowed me to avoid the m6 car park today

Hubby working on a food festival, usually get some freebies from this.

Best friends coming round for a chilled tea & catch up tonight. I love the fact I threw some random ingredients into the casserole pot this morning, then arranged for them to come over and feel absolutely no pressure to cook anything more fancy.

Cleared two shelves in the cupboard of doom into boxes ready to sort the room for the lodger, who is coming to visit on Monday for a catch up.

Have a fabulous evening one and all

Wish:rotfl:

London18

I'm starting to really worry about returning to school. I've asked three times for an occupational health referral, and it's not been done, I don't know where to turn now. My head would like to meet with me next week to discuss my phased return, but I don't know what that phased return should look like. If anyone has experience, please will you share?

Hi there, I've been reading your diary and coming out of lurkdom since you asked about RTW. I think you went off in May? Not sure what your doctor's said so far but if the Head is talking a phased return they really should have an OH report in front of them. Very surprised they've not got on with it. Continue to make it clear you want one (in writing if necessary) or say so in the meeting and ask for notes of it afterwards.

Phased returns can include anything that will help. For example:

• Part time hours for a while - either shorter hours over five days or longer hours over less days or any variation thereof.
• Usually building up to full time over an agreed period of time e.g 4 weeks.
• Phasing back into doing certain tasks or types of work, (or dealing with certain people) if that was an issue as well
• Doing some training courses or refresher training, coaching/mentoring sessions or anything else that will help rebuild skills and/or confidence
• Discuss any work 'triggers' you are aware of that can set you back (you mentioned a meeting that caused a meltdown?) and how best to deal with them.
• Discuss what to tell colleagues and what support you can ask for from them
• Regular chats with someone (Head?) about how the RTW process is going - what's working, what needs tweaking.

Essentially you are both looking at how the workplace environment can be temporarily changed to help you achieve and maintain a successful return. Staying positive and thinking about what YOU need will help the Head decide if they can acommodate that. Being vague won't help anyone, least of all you, but be realistic too, some things just can't be altered so understand the art of the possible. Negotiate and compromise on important issues
Also, don't avoid the things you are worried as procrastination and avoidance just makes problems seem bigger. But don't feel you have to confront everything all at onces - ask the Head for some time & support.

I've been on both sides of the fence on this sort of situation so feel free to PM me if you'd like to chat more.
Best of luck.