Hope is not an Effective Financial Strategy

shangaijimmy

Thanks Elmo. We've always had dogs, and currently got a 7yr old dog in the house as well. However the house is very different to when we last had a puppy so a great reminder of what's to come! We have made a start tidying up and disposing some of our carp, which is mainly outgrown toys that are loitering! Exciting times for the 2 little uns in the house with a puppy!

OP'd our weekly payment round up account this morning, which was £5.26 (thats a sign that Mrs SJ has been a little too handy with the debit card...), and then TT'd our account with a nice whole £1.

debtfreeoneday

All those little TTs will add up SJ!  Exciting news about the puppy. 

Jessy103

Good luck with the new puppy! 😀

shangaijimmy

I keep chipping away with the TT's. A little 27p one this morning. Mrs SJ told the little ones about the puppy yesterday, and they have been relentless ever since! I knew she couldn't hold on for another 2 . The kids were very excited which was lovely but its going to be a long wait for them and lots of pain in my ears.

shangaijimmy

£1 TT added to the mortgage this morning. All the little extras help in the lead up to month end accounts.

Karmacat

shangaijimmy said:

Mrs SJ told the little ones about the puppy yesterday, and they have been relentless ever since! I knew she couldn't hold on for another 2 . The kids were very excited which was lovely but its going to be a long wait for them and lots of pain in my ears.

Sadly, this is a very good way to put it 

shangaijimmy

The week trundles on and as promised I've kept an eye on the cost of things. There does seem to be a bit of inflation creeping into our budget. Our gas and electric is up for renewal and looking at our switching quotes there has definitely been an increase here. This alongside council tax seemingly annual 5% increase - if someone does the maths on the compound effect of this for another 10yrs...significant.

Thankfully our renewal quote for car insurance has gone down, which makes a lovely change. Cars have been a pain again. I've been on borrowed time for a new front tyre (I was waiting till both needed doing to be honest), but decided I needed to get it done. Oh my...the inside was horrendous, it definitely wasn't safe. So that was 2 new tyres. And then the same day Mrs SJ car broke down, thankfully only a snapped fan belt but a sign that things may be wearing out/degenerating.

Less than 2 weeks to our new puppy arrival. I've sold the necessary premium bonds that were holding our holiday cash from 2020 & 2021. We have 3 very excited children and 1 supersonic-ally excited Mrs SJ.

Suffolk_lass

shangaijimmy said:

Less than 2 weeks to our new puppy arrival. I've sold the necessary premium bonds that were holding our holiday cash from 2020 & 2021. We have 3 very excited children and 1 supersonic-ally excited Mrs SJ.

🤣🤣🤣 but these moments are what makes family life special

South_coast

You could use their heightened state to your advantage and get them to promise they will be the ones to walk the puppy - and in all weathers. Or is dog-walking still your preferred option for grabbing some me-time 🤣?

shangaijimmy

Me dog walking is always the preferred option!!!