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Spent 4 years pretending it's all OK

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Comments

  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning all,
    Thanks Brizzle:)

    Very grey here today and lots of routine catch up to do.
    Wouldn't the world be a better place if all service/product providers operated with a conscience and automatically gave everyone the cheapest price?
    This morning have checked and renewed parents' house insurance - £60 pound saved. I also checked our own house insurance, due for renewal next week, and £200+ cheaper.... not as a result of a claim or anythingg, perhaps they thought we'd be lazy again this year?
    Rant over :rotfl:
    Utilities still to do later today - have some urgent admin for voluntary work that I was meant to do yesterday.
    House is a disaster zone. Hope nobody decides to pop by unannounced:eek:

    Have a lovely Friday/weekend
    NOA
    xx
    xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Yes it would be great but sadly highly unlikely. I used to work in insurance and the oldest premiums were horrendously high compared to the new ones.

    Know what you mean re house. I was in hospital this week and although the major life stuff was covered and I am truly grateful to all the cast and crew of 'keeping Bobs crazy life rolling whilst she's in hospital' the little stuff had majorly slipped. I am resting but have also packed away oodles of dried washing, thrown out recycling, sprayed the loo and sink with anti back and given it a quick wipe, thrown away anything bad from the kitchen fridge. Oh and numerous other small bits. I don't know how I am supposed to relax when I can see dustbunnies (may invest in a pair of blinkers)

    Tatty bye :)
    Bob
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry to hear you have been in hospital Bob, hope all is OK now?
    It is hard to relax when you can see everything that needs doing, but hope you can make time to do so whilst recuperating. Blinkers sound like a good idea!
    Your little ones must been happy to have you back home - dd possibly starting to sit up now?

    Can't sleep, house all quiet but wind howling outside, so just tried to finish some work but can't concentrate. Back to bed to try again.
    xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    It's the second week of February already, and this year so far has not gone according to plan, should have learnt by now to expect the unexpected, but we are managing to keep afloat, if not actually swim.

    DD came home this weekend, it was DH's birthday during the week. It was lovely to see her. We didn't do anything exciting, just had a lovely quiet dinner at home for the 4 of us. DH is being very supportive, we have got into the habit of doing the grocery shopping together once a week, that hasn't happened in 15+ years :rotfl: and I don't often say this ;) but give him his due, when it has really mattered DH has been a star:T

    Other than my voluntary work on Saturday morning I have had a very lazy weekend, and caught up with War and Peace:o

    Another couple of quotes to do today for SE employed work, so it will be a pretty busy few months, as Mar- June are also the busiest for my part time jobs at school/marking. I am seriously thinking about getting a cleaner for a couple of hours a week to come and do bathrooms and main clean as am struggling to keep on top of things, physically exhausted. If we keep trying to do it ourselves we never actually get any nice time doing nice things as a family.

    Apart from domestic pottering today I'm need to work out DH income for 15-16 tax year, checking pension/car fuel/benefits etc
    so that if it necessary/it works out better I can pay some extra into pension so that CB isn't affected this year. he's income is on that borderline threshold where we might be worse off even though his salary is higher because of losing CB and paying 40% tax.

    Also need to check house insurance, finalise and renew - already did the comparison sites - just need to pick one now and pay/cancel old policy.

    The other thing that is always bottom of my list is to revamp our website - I cancelled the last company as paying too much - but haven't done anything about getting it hosted elsewhere.

    Which reminds me the Broadband and mobile phone needs to be checked out too, as well as revisit life insurance etc, but that will be for another day.

    So a few broad goals for the day/ week ahead, and in between to catch up on some dairies!

    Hugs
    NOA
    xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Great to see you being so productive NOA..and lots of luck with those work quotes. That and the website do seem to be priorities as you suggest X
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks Brizzle:)

    Quotes done, ready to post. Lots of time (wasted perhaps) looking at different possibilities for website. Emailed for a couple of quotes, though am thinking might try my hand at it - so much info available for DIY. Hmm, food for thought.

    Did comparison for electricity courtesy of MSE reminders, could save about £9 a month by using MSE energy switch, just need to check a few things.
    House smelling good as making stock in slow cooker - had 5 chicken carcasses (4 frozen from previous meals), I think it'll be the richest I've ever made, now I have nearly 3/4 shelf empty in freezer for batch cooked stuff we can actually eat:D

    A strange surprise in post today - letter from a bank/creditor who we hade a loan with - it transpires that while the loan was active, they sent some annual statements which didn't have everything on them that they should have had, so they will refund interest for those (I think) 2 years. As the account is in arrears, it will reduce balance outstanding. Will hear next month how much....:j might be 200 odd perhaps~? without wasting time looking up what the interest rate was, I don't really know. I'll just wait to be surprised
    :beer:

    XX
    NOAh
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Today is a "heads down and focus on SE work" and try and get another stage completed so can invoice client by Friday, as yesterday was a bit of a write-off. MSE mantra went up in a puff of smoke and I ordered dom's pizza for dinner (although in my defence, it was bogof):o

    Today I am feeling very grateful for having a wonderful family.
    Have a lovely day
    xx
    NOA
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Have managed to do a good chunk of work and just had some pink porridge for lunch plus an apple to make up for pigging out on pizza yesterday :D
    Have just started dong a bit more filing/shredding/reducing volume of paper in the house, and came across a slip of paper for a return to JL last June (had ordered two sizes of uniform blazer for speech day, and returned one of them about a week later. Was told that money would be refunded back but could take up to 3 weeks to go back on card. I forgot to check at the time but have just gone through statements now, and the refund had never appeared in my account. Have just called to query it. Have been told that it was processed 2 days ago and should be in my account in 3-5 days.......
    Coincidence? The chap had no explanation. Now I have made myself cross because I think that they have only just processed it now.
    I don't usually bother but I think I will write in and complain as not the level of service you expect from JL. made myself another job :mad:

    xx
    NOAh
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Have just called to query it. Have been told that it was processed 2 days ago and should be in my account in 3-5 days.......

    I'd translate that as "it takes 3-5 days to clear, and I just clicked the button to do the refund 2 seconds ago". ;) Either way, better to get the money now rather than never!
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Hi NOA

    I'm glad to hear about your various windfalls, impending or not. And we'll done on cracking on with your decluttering projects too. I bet that visit from DD was just lovely now you don't see her as much.

    As for me yes I am getting better. I had to have my appendix out very unexpectedly and so that meant a week in hospital post op and now I've been home almost a week exactly convalescing. In the same way as you say your OH has been a star mine has gone over and above. Poor guy had to start bottle feeding a baby who had never had one and was also missing her mother. Because the drugs I was on were not compatible with bf-ing I just had to go cold turkey which was very painful for me and very hard for the baby. She's fine though thanks to OH and MIL stepping in and doing a heck of a lot.
    My little boy has found it hard to understand too and keeps asking if you can catch what I had but obviously not.
    Anyway yes DD is rolling over now and tries to sit up if she is on your lap. She babbles away all the time and smiles and laughs. Everyone says what a content child she is. So all good there. Just need to get me 100% now.

    Bob
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
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