My Journey To My Pot Of Gold

doingitanyway

I'm feeling YNAB envy here...

RosaBernicia

doingitanyway wrote: »

I'm feeling YNAB envy here...

It is a wonderful invention and keeps me on track much better than the spreadsheet I used to run, or MS Money (which was good for a while but then stopped being supported).

It is also free for the first month, but then about £35 for the year. Perhaps something for a windfall when one comes your way


Rosa xx

moneyonmymindsam

Bizarrely deleting all my card details online actually works for me : )


Flu has taken the ability to shop out of me currently! - I seem to have quite a bit left over for this time of the month


Happy days


Paid early due to easter so roll on 24th March

Siouxsie32

Good afternoon :wave: Just popping my head round the door to say Hi

I read all 19 pages last night and you all seem so lovely! I've subscribed so I can keep up with your antics MT, and I may have to seek everyone else diaries too....

jodles16

Ah we are all allowed a splurge sometimes! Nothing to worry about! Bet its all gorgeous and hope house stuff is ok!

Jodles

MuffinTops

Hello Rosa. What did we do without YNAB? Although, if I think back a few years, I was in quite a bit of debt, so that's what I obviously did without it!!!

I now put aside £3 a month so that each year I already have the money. Without YNAB I'm not sure I could put aside such a small amount each month without forgetting why it's there.

MTxx

MuffinTops

Hey Sam, I love your flu silver lining! The flu wipes you and your debt out, all at the same time!!!

I hope you're feeling better now?

MTxx

MuffinTops

Hi Jodles. I think it was a while since I had a splurge like that! It's scared me enough to hold another off for a while! MTxx

MuffinTops

Good afternoon Siouxsie32,

Thank you so much for popping in and saying hello. How lovely of you to read this whole diary.

There's a beautiful little community within these forums and I feel particularly lucky with the amazing people who read and comment on my diary. Please feel free to say hello anytime. I'll pop along and see if you have a diary shortly.

MTx

MuffinTops

So there's lots to catch up on other than the jewellery spree!

I was back in work on Tuesday and still no announcement was made. We were told one would be made last week, but that's been postponed again too! So hopefully next week!

This weekend has been a pretty big one. Yesterday I had the electrician in so I now have working lights and a working brand new shower again!!! Yay to that!

I also had my house valued by 2 separate estate agents and both gave the exact same price which was a huge amount higher than I expected, so I'm very happy.

I spoke with my neighbour, and his instant statement was about getting a discount. So many people warned me he might, but it still surprised me. We've agreed that he can get a surveyor around this week and see what they say. I've told him I'm in no panic to move and won't be looking for a property to buy so if I'm not comfortable with the surveyor price and his subsequent offer then I'll rethink my options. I've said that in case the surveyor is a friend of his as he said a few things that makes me think he's going to push hard for a really good price. I've been shown that similar houses have had no problem selling for my value price so I don't have to sell to him.

I'm in a great position, having no mortgage and being in no panic to find another home to buy as, with all that's going on with work, I plan to rent and regroup my head for 6 months. The only thing I am considering is to buy a house to rent out, as I want to keep my financial investment but I don't want a big house. So if he really wants this house then he'll have to pay market rate.

However, the whole idea of selling up and moving has mushed my head and I'm feeling a touch overwhelmed. I think that's normal and I just need to make a plan and get to grips with what steps I need to take.

In other news, there's not too much going on. I need to keep going through my belongings and take things off to charity shops or sell them.

I hope everyone is having a fantastic weekend.

MTxx