Hope is not an Effective Financial Strategy

Luckyinlife

Sounds like a good deal to me shang :]

shangaijimmy

Lucky - the DVD's were a no go zone!! My plan with the musicmagpie cash is to buy the biggest USB stick (gb size, not actual size...) and fill it for the car.

Well i've kept up with the TT's and the last 2 days have been good ones with 85p and 89p. We're looking on course to be around the £500 OP amount for December which is incredible really considering its December and we're bought a new car. We'll definitely break into the 125k's on December 31st, and may even get so far as 125,960, so we'll start 2016 in a great position.

We collect the car tomorrow which Mrs SJ is finding very exciting, but it does have an impact on our finances.We had good new car fund which was getting us some nice interest from Nationwide and TSB, but this has now vanished. In mortgage OP terms this will affect us by about £12 a month. We've also 'borrowed' some money from our holiday fund until a regular saver ends in March (this money always intended for the car, its just that we've bought a few months early), which will affects our OP's by about £4 per month.

So overall i reckon we'll be around £16 a month down for Jan, Feb and Mar, and then £12 for the next 3 years! Insurance is looking at being £3 a month extra (£36 a year), but that's a guide after a policy amendment so with some shopping around i'm confident we'll nudge that down.

Overall for Christmas we are slightly under budget, which i'm sure before this diary we wouldn't have been. In previous years i've haven't OP's at all in December and used the money as a 'Christmas buffer zone', so this is a major positive.

And finally with Mrs SJ being 36wks pregnant our Christmas booze spends will be non existent as i'm on a booze ban to be on hand for hospital run! Baby girl is now fully engaged so who knows...!

Oh one more thing. Ill have some budget amendments to make in January so that we pay into number 3's savings at the same rate as the boys. Also our eldest recieved a lovely £250 cheque to invest off the government when he was born, but that had stopped for DS2. So i invested the same amount for him when he was born. Naturally i'll do the same for DD when she arrives!

Long post - sorry!

debtfreeoneday

Woah 36 weeks already? I can't believe how fast that's flown.. I'll take a punt on Jan 4.. 7lb12..

Despite the small reductions to OP's, you'll make that up, I know you will. Money comes in and goes out, but it sorts itself out..

Have a great weekend, whatever your plans are!

shangaijimmy

Disaster strikes! DS2 hit me with a flying peppa pig bean bag, spilt a cup of tea on laptop whiCH is now kaput! It's a work laptop and I'm overdue a new one but I'm gutted about my budgets spreadsheet!!

Lynplatinum

oh dear sj - was it not on back up somewhere? can you not go back to reasonably recent version? the joys of children ??? :-)
Hope you can re sort it soon
tc

ourcornercottage

shangaijimmy wrote: »

Disaster strikes! DS2 hit me with a flying peppa pig bean bag, spilt a cup of tea on laptop whiCH is now kaput! It's a work laptop and I'm overdue a new one but I'm gutted about my budgets spreadsheet!!

Dropbox it's free and reliable.

Always back up your files. I found this out the hard way too

You're a spreadsheet master, you'll have it sorted in a second

hiddenshadow

ourcornercottage wrote: »

Dropbox it's free and reliable.

I also use Google Docs as then it's available wherever I sign in to Google without having to sync files from Dropbox (on a friend's machine, for example).

choccielover

Evernote is my safe back up place. I also drop copies of all insurance docs in there in case of the originals getting destroyed/lost

I'm sure you can get back up and runnin soon. Perhaps someone in your it dept can reinvigorate it long enough for you to retrieve the necessary

Regards
Chocs

shangaijimmy

Fortunately I do have a copy on google docs and even an emailed version that's a month old. I'm just frustrated now at losing my laptop, its just not the same on a phone!

[Deleted User]

Oh dear!


DD knocked a cup of water over my work laptop too!


After leaving it untouched for a ~month or so in a warm place [loft over summer] to totally dry out it's fully working again.


Meantime work got be another laptop


Cheers