Had a mortgage too long - it's going, going, gone!

debtfreeoneday

Sorry the office fell through, but hope you get the PP soon for the extension!

Ali-OK

Having a lovely weekend - took DS and new friend to see The Martian yesterday and a very rare treat of cinema food/drink - £30 spent. Back for batch chilli for dinner and got home gone 11pm as sat chatting with his friend's parents for ages when we dropped him off. DS has an invite for a day out with them

Haircuts for both of us booked for next Saturday so a spend to come there.

Researching ideas for the vaulted ceiling plan in the extension - necessary as can't have additional clear windows in one part so extra light needed. Liking the exposed roof trusses as a feature, but bet all this costs a fortune.

Alex, you mean move and not tell him whilst he's at Uni :rotfl:;) Only joking! I don't have any plans to move or downsize - I guess there is some sense in doing it to be mortgage free earlier by about 3-4 years, but I also look at it that many of my generation become MF in their 50s and I'll make that too. I'll keep an open mind on all the options though

Financials:
- bank account checked - have moved £1k to savings to earn a bit of interest on it, as over the £5k that current account earns 4% on.
- Inbox £s - £8.59
- Qmee still 39p
- Added £25 to DS's 3% account - he's £1,275 in Halif@x now

I need a strategy to decide on what money gets saved and what goes as an OP. That'll be the rest of today taken up deciding then :rotfl:

Hope everyone's having a lovely weekend and has the glorious sunshine we have here

sarahevie1

Debsnewbudget wrote: »

I always buy my crackers in the sale after Christmas and put them with the decorations so I remember them the next year

I do this too - it's great you can usually picks them up for pence

sarahevie1

Ali-OK wrote: »

Swapping mostly lovely neighbours for the unknown puts me off too.

All told, the extension is a nice to have and not a need so if it doesn't happen it's not going to cause issues. The changes made in the latest plans are looking good - it'll be quite a statement bedroom with vaulted ceiling

I have problem neighbours both sides, and life is interesting to say the least. Not the beer drinking, cigarette smoking, lout type. The complete opposite, but still cause regular problems. Phoning the police about my dad chopping a couple of branches down. (Police most annoyed and threatened to charge him with wasting police time.)

The other side shout abuse and upset my children, but I'm starting to wonder if she has alzeimers as he reminds me of my Grandma.

Ali-OK

I feel for you with the neighbours - we've one set who are a bit of a mare on the garden front and they're the most likely to raise objections over the extension too.

Revised plans gone back to Planning today so fingers crossed the changes are supported ready for FPP submission.

Financials:
- bank account checked - £2.12 interest added to poncy 0.75% account
- freepostcodelottery checked
- Inbox Pounds - £8.98
- Qmee - up at 50p
- P!necone - £9 arrived into PP today and 2 more paid surveys done too - another £6 to follow
- Change bucket has £20 in £1 coins - need to bag and bank before DS dips in for school restaurant spends... noticing a new habit forming and he wants less in his packed lunch

GP's yesterday - won't prescribe the anti-inflammatories for neck (which is grinding like mad again) until hospital diagnosis letter received. CBT referral takes about 3 months, so should hear back on that soon. More BBs and HRT prescribed so a cost to change those prescriptions when I get to the chemist.

Ended up NSDs yesterday and today. Still not chosen the summer house trim colour, but DIYer is ill with man-flu, so that's been put back a bit anyway.

Work plodding on nicely, Mum poorly again (going into last stage now with oxygen) and heating now on daily. Feels early for it, but I am cold!

Skinnylatte

Just catching up with your diary Ali, and sending you big cyberhugs xx

Ali-OK

Thanks Skinny - going through a 'nothing going to plan' patch - least I'm only drinking more cuppas rather than spending

Ali-OK

Green light received from Case Officer to submit for PP today with his recommendation for Approval :j

Clearly the reason for the office falling through..spending it on PP and architect fees instead :rotfl:. Spooky timing!

And decision expectation time...just before or just after Christmas.. so will it be a festive spirit or a January blues one I wonder

Thistlewhistle

The wheels of change grind so slowly sometimes don't they. Hope you get a favourable outcome!

T:)

Ali-OK

They certainly do Thistle - whilst time goes quicker than ever these days it seems :eek:. Just waiting on some extra detailed drawings and then it can all be submitted. Followed swiftly by Architect's invoice - fees are pretty reasonable and no VAT either.

CBT on the NHS letter arrived today, so need to phone to make an appointment. Really pleased that I've got the opportunity to do this as local private Therapist wanted £90 per hour :eek:

Work is busy and a business friend is helping in the office space hunt. A suggestion to convert the garage into an office was made today - don't they know it's sacrosanct for my car. The horror of it, though there's probably only Alex and I that feel that way :rotfl:

Financials:
- bank account checked
- freepostcodelottery checked
- Inbox £s - up at £9.14
- Qmee - still at 50p
- P!necone - £15 now in PP from the 5 recent surveys :T

Did the weekly food shop yesterday and bizarrely only spent £9.72 - the freezer is looking a bit bare but I've meal planned and got a batch of chilli to make at the weekend. Expect a big bill next week.

Spent £1 on a treat pack on offer in local shop to put aside for Halloween callers. Last year we switched off the lights and ignored the odd knock

Spent £1.49 on yet another tester pot for the summer house trim - now got 2 definite contenders and a decision to make.

Little else to report, still throwing change into the bucket and wondering if I should reduce OPs and throw as much as possible to the new extension savings pot. Though if I sent £167 OPs, that'd keep a consistent 3 months off the end date over next year. Decisions again! It's way harder than paying off CC debt I find.

Will sleep on it. Night all