Only freedom will do

RoaringTwenties

Belated happy birthday to DD - & well done to you two for getting her this far The best is yet to come x

I'm dealing with asbestos at the mo & unfortunately feel like an expert on the subject (argh!) so if I can pass on any advice feel free to PM me Ed

edinburgher

You are doing a great job on the house. MrGnome renovates property and basically spent a year renovating our house rather than working but the amount he saved us was probably more than he could have earned in a year anyway and that's before you consider the added value.

Sounds like a win win scenario

Working while renovating is exhausting, even with contractors doing the bulk of the heavy work. It becomes like a never ending game of cardboard box Tetris after a while :rotfl:

I'm dealing with asbestos at the mo & unfortunately feel like an expert on the subject (argh!) so if I can pass on any advice feel free to PM me Ed

We have no asbestos - results received from the lab super fast! :j Very glad that my mind is at rest, wasn't willing to expose either us or the plasterers to it (even if they were blas! about the whole thing).

edinburgher

• Found £1,000
• £63.91 paid off 0% credit card
• Referred another MSEr to RateSetter :j
• Mrs E transferred over 2 months of T5B interest
• Withdrew a few £ of P2P interest
• Started emptying the living room for decorating
• Stripped the chimney breast for getting TV wall mounted
• Shared car ride to work with Mrs E + free parking as her office is closing this week and there are only about 10 people left using it
• Have lurgy

LadyGnome

edinburgher wrote: »

• Found £1,000

Found £1000? The best I've ever managed is 50p down the back of the sofa.:rotfl:


Get well soon.

PositiveBalance

Hi Ed! :wave:

Happy belated birthday to your lovely DD! :T

Get well soon.

If you find any more lost £1000, please feel free to send one to me. I'm sure I lost one somewhere round here *Looks around with great intent*

You're doing well. Me, not so much. Please help. How do you figure out how much or what to 'pay yourself first'?

edinburgher

Pay yourself first what what? Pocket money? Pension? Emergency Fund?

choccielover

You been finding money in your matched betting accounts again

PositiveBalance

edinburgher wrote: »

Pay yourself first what what? Pocket money? Pension? Emergency Fund?

Um...good question. For the minute I don't think pension is realistic and there is no added bonus (employer's cut - they do put in a lot). Emergency fund/debt repayment/house renovations, I guess.

hiddenshadow

PositiveBalance wrote: »

Please help. How do you figure out how much or what to 'pay yourself first'?

We've done it a couple ways.

1. figure out how much you want and when you want it, then do the math backwards. Works for pension/emergency fund, but certainly with EF carries risk that you'll have an emergency before you have a fully-funded EF.

2. figure out how close you can cut your budget and throw all the rest at whatever you want to pay first. Risk here is that you'll end up needing some of that money later in the month (need being an operative word, not just "man I'd love a takeaway tonight rather than cooking").

PositiveBalance

hiddenshadow wrote: »

We've done it a couple ways.

1. figure out how much you want and when you want it, then do the math backwards. Works for pension/emergency fund, but certainly with EF carries risk that you'll have an emergency before you have a fully-funded EF.

2. figure out how close you can cut your budget and throw all the rest at whatever you want to pay first. Risk here is that you'll end up needing some of that money later in the month (need being an operative word, not just "man I'd love a takeaway tonight rather than cooking").

Thanks HS. I know this is all really obvious, but I have had some unexpected emergencies this past month which have totally derailed everything. I think my other issues is that I have realised that my job doesn't cover my expenses really. Grr! *Gets out job applications*

I tried option 2 this month but it hasn't worked due to 1) unexpected expenses (hence the need for EF); 2) not sure I've got my budget 100% spot on, but it would have been OK if not for the expenses. Naturally, 2) would be done until 1) was achieved but still. :mad:

Drat and double drat. This is rubbish.:eek:

I think I'd better do my figures again and figure out where to go from there.