The end is in sight

quidsy

£400 on a birthday present!! Wowza!

ShirePiskie

quidsy wrote: »

£400 on a birthday present!! Wowza!

As I often tell him, he's very lucky. It's the big four-oh, so has all been in the budget for about a year.... and he'll only be getting socks for Christmas!

ShirePiskie

Just had a phone call from Bank of Scotland from the guy assessing my PPI claim - asking me questions that I'd already answered on my questionnaire. Reiterated that I'd been told at the time of taking out the loans I was told taking out PPI would help with my application and that I didn't get any details as to the costs and financial benefits explained to me at the time. All true.

He was also asking if I was entitled at the time to sick pay and what period on full pay (6 months) and if I had any kind of 'death in service benefit' entitlement, which I did - 2 sorts - one an outright payment and another linked to my pension.

Anyway, I don't know if they were the 'right answers' but they were honest, so I was told I can expect a letter with their decision in the next couple of weeks. Trying NOT to get my hopes up.

[Deleted User]

Nothing you have said gives any indication of whether you will be successful (or not).

ShirePiskie

Hoping for a NSD today. It's my turn to make lunch for me and a friend at work tomorrow so am going to have to be creative with what's in the cupboards. Am currently considering pea and mint risotto.

Have been spreadsheet tampering today based on the YNAB principle of making every penny count. When I'm debt free (feels so good just typing that) any money that hasn't got a job in the budget is going into savings rather than having a buffer in the bank account. Part 1 of building up savings will be an emergency fund, so no need for the buffer. I've extended the spreadsheet to end of 2016 and by using every last penny, I've increased my projected savings by a couple of hundred pounds in the first year!!!

Have also researched YNAB and it looks as though Steam, who you can buy it through, have their sale mid-July, so will look at getting it then.

Husband has come up with a plan for a holiday next year, which will be £150 each at Easter, so need to do MORE spreadsheet adjusting tomorrow. As you may have gathered, the more excuses to tweak and adjust, the happier I am!

t2rry

Mmm...risotto :drool:

Jealous about your impending spreadsheet adjustments :rotfl:

I was on mine sooooo long last night I barely saw OH! I have therefore turned it off at my work desk today which means I can't access it from home - I may be suffering with slight withdrawal but I will cope!

Extended mine to May/June next year so I'm covering a full year rather than up to Xmas. I can't comprehend how you can be accurate up to the end of 2016 - you are my spreadsheet guru!

nellis10

ShirePiskie wrote: »

Hoping for a NSD today. It's my turn to make lunch for me and a friend at work tomorrow so am going to have to be creative with what's in the cupboards. Am currently considering pea and mint risotto.

Have been spreadsheet tampering today based on the YNAB principle of making every penny count. When I'm debt free (feels so good just typing that) any money that hasn't got a job in the budget is going into savings rather than having a buffer in the bank account. Part 1 of building up savings will be an emergency fund, so no need for the buffer. I've extended the spreadsheet to end of 2016 and by using every last penny, I've increased my projected savings by a couple of hundred pounds in the first year!!!

Have also researched YNAB and it looks as though Steam, who you can buy it through, have their sale mid-July, so will look at getting it then.

Husband has come up with a plan for a holiday next year, which will be £150 each at Easter, so need to do MORE spreadsheet adjusting tomorrow. As you may have gathered, the more excuses to tweak and adjust, the happier I am!

YNAB is definitely worth the investment!!
Currently I don't try and build up the buffer but pay off my debt instead. Once the debt is gone, then I move to baby step 3 - Full Emergency fund of 6 months wages. Can't wait!!

ShirePiskie

I started to type out then how I agree and given my circumstances as to how an emergency fund might possibly be not that much of a necessity for us given our particular circumstances... But then thought that was just asking for trouble!!!

And yes, Nelly, I'm blaming you for my urge to get my mitts on YNAB! (They should offer some kind of commission for referrals.)

t2rry

ShirePiskie wrote: »

And yes, Nelly, I'm blaming you for my urge to get my mitts on YNAB! (They should offer some kind of commission for referrals.)

But your spreadsheet already sounds so marvellous?!

nellis10

ShirePiskie wrote: »

I started to type out then how I agree and given my circumstances as to how an emergency fund might possibly be not that much of a necessity for us given our particular circumstances... But then thought that was just asking for trouble!!!

And yes, Nelly, I'm blaming you for my urge to get my mitts on YNAB! (They should offer some kind of commission for referrals.)

Hahaha they do, I can get you $6 off!