XSpender Speeds it Up - £0 to £60k in 27 months

Suffolk_lass

XSpender wrote: »

That was down to the next £50 SL, I just need more patience.:rotfl: We have spent tonight so will have another look at the balance tomorrow.

DH really wants to go to the London concert so we are going to drive and I will find a hotel with parking which my h0t3ls.com free nights will cover, stay one night and avoid the shops!

Upgraded my phone today for a £5/month increase. The plan is that I keep this phone for at least 5 years. At last I can take some more photos and add my apps back on!

I have spent 2 hours ironing today :eek:

I might have known you would have the TT better than I do, you may even have alerted me to it in the first place so forgive and Grandma sucking eggs moments!:rotfl:

Just thinking about the event, you could drive to a park and ride near a convenient Station and just do a relatively short hop in to town - don't know the venue so not suggesting any but for example for the O2 we go to Chelmsford P&R - although it stops early, the trains to Chelmsford run late and changing at Stratford is easy for O2 (and a taxi back to the P&R is less than a tenner and under a fiver for the P&R) - there must be equivalents - I know the big car parks by Stations in the East too but maybe irrelevant to your event venue. Just a thought. PM me if you want any east-related info
SL

XSpender

Thanks for the ideas SL. DH has downloaded the artist's new album. Poor reviews and he didn't enjoy it so we are up in the air again about if we will go or not.:rotfl:

It took DH and I all weekend to shift the laundry mountain and apart from keeping on top of the kitchen and vacuuming downstairs no other housework got done. :eek:

I have a lot of 'free' time this week as my old job winds down so will make use of being in the house to finish sorting out the office/bedroom and start the conservatory.

The person who was doing our kitchen refurb next month has pushed us back a few weeks. Hoping it will still be done for Christmas. I need to source items for it so will be ready when he is. DH wants to look at curtains for the living room this week as we don't have any up at the back and it is getting a bit drafty. We are going to change the accent colour but will use the old cushions and rug in the TV room.

£22.13 TCB received so moved that and a TT to the ISA. Have saved £45 extra in there since I changed our focus to saving first. When DH expenses are paid and I sell my old phone I will be over half way to my target DS karate cancelled for the next 3 weeks so will TT the £9 over too at the start of the month.

I'm a bit worried about DH. He is very, very stressed since moving jobs 6 months ago. He has no experience of applying for jobs and has no CV. Writing his CV will be done when I have a week off at the end of next month.

XSpender

1. Catch up with last weeks paperwork - Done
2. Prepare for next week - Done
3. Post off phone when pack arrives pack arrived but need to check phone is def unlocked before posting or will miss out on £20
4. Mystery shop for work
5. Order extra uniform for DS Done
6. PT x 2 - Done and still wrecked from Friday's
7. Dog walk/run x 5 - 1 x run, 2 walks
8. All housework
9. Book dentist for week off for all 3 of us
10. Book nail/eye appointment on half price week - Haven't got time to go
11. Find some curtains/cushions for LR/DR ordered lots of samples and found perfect fabric for kitchen and breakfast room
12. Tidy and clean conservatory as turning into dumping ground
13. Finish sorting out office/bedroom Done
14. Log all meals and exercise into MFP - Done everyday so far
15. Drink 2 litres of plain water per day - 1L Tues & Wed, 2L Thurs, 1.5 Fril

XSpender

One lot of samples have turned up today and I love one of the fabrics for the kitchen roman blind as it goes perfectly with the colour I have chosen for the cupboards. I am gutted as I have only now realised that they don't do a matching curtain fabric that I need for the breakfast room (connecting archway). I will try ringing them tomorrow to see if there is anything they can do as they are a curtain company as well as a blind company.

The fabric for DS blind is great too, even though he wasn't sure he liked it yesterday. Its completely different to the space wallpaper I was looking at! It's Sc1on Mr Fox in neutral and grey and I think it may suit him longer than the space theme one.

I have also measured up for the made to measure curtains from N3st that we like the fabric for (waiting for a sample) and it works out that I can get the curtains for the 2 bays and the kitchen blind for less than the local curtain lady was going to charge just to make 3 pairs of curtains and 4 roman blinds excluding the 25m fabric I needed :eek:

I'm impatiently awaiting pay day on Friday so I can complete this months budget and shuffle it all about

£10 TT to the ISA as received a share dividend.

XSpender

The good news is the company can make curtains for the breakfast room in the same material as the blind :T

Pay day tomorrow and I have finalised the banking and done the budget for the next month in detail and also had a look at the budget for the rest of the year.

We overspent as usual on the food budget and have raided the pots to cover this so these will need to be brought up to date. Luckily it is bonus month and half of DH bonus will be used for this which does not leave much for saving/kitchen refurb.

Debt reduction in September - £469
Savings increase in September - £455

It looks like I will achieve the £250 savings target from odds and sods I set myself at the beginning of September by the end of October so I am considering increasing it by another £250 This will be used to go towards the carpet and paint for DS room. It is laminate flooring at the moment so will need grippers and underlay too which don't half put the cost up. I then need to find the money for a new blind, light fitting and bedding.

I have finally sorted out the office/4th bedroom (sounds like a small room but actually 2nd biggest bedroom) and looks much better. I will tackle the conservatory AKA the dumping ground on Saturday afternoon.

No TT today, I am waiting for pay day to transfer over the balance from the account.

ETA: £2.58 requested from TCB, only about £10 left to pay out now.

Suffolk_lass

XSpender wrote: »

No TT today, I am waiting for pay day to transfer over the balance from the account.

I am the same - by balance is actually £0 on one account today so I have set a TT for payday (tomorrow) for the bits over the £100 mark but only just over £7. I can see the money coming, along with the transfer to cover the replacement car for the one DH wrote off last Friday :eek:!!

Have a great weekend. We have masses to do including the local motorbike show for DH, for half of Saturday and all of Sunday

SL

XSpender

I hope your DH is OK after his accident SL.

Have a lovely weekend art the bike show, DH is fishing all Saturday so DS and I will make our own fun

Suffolk_lass

XSpender wrote: »

I hope your DH is OK after his accident SL.

Have a lovely weekend art the bike show, DH is fishing all Saturday so DS and I will make our own fun

He was pretty shaken up but not harmed. All the air bags deployed and between them and the passenger cage he was unharmed. Just waiting for the insurance write-off value. We collect a new (to us) car this afternoon.

Rather embarrassingly for him, this is his second write-off in 7 years (both his fault) and I think the memory of losing control and ending up rolling the car into a ditch for the first one really shook him up - sort of muscle memory!

He is on his motor bike today as I need my car.

Have a lovely time with DS
SL

XSpender

I have been up since 20 past 5 as DH has gone fishing and woke me up slamming wardrobe doors. Once I'm awake there is no going back to sleep so I have got up and caught up with some threads while drinking lots of tea

Plans for today are swimming for DS and then haircut for me. DPIL have offered to watch DS while I nip into the city to the hairdressers :T Apart from some housework, laundry and cleaning the interior of my car ready to hand it over to my replacement I am having a quiet weekend. Good job really as the PT thrashed me and DH last night and I am still recovering.

I have signed up for the NST October thread over on the debt free challenge board again. One of the goals is 15 NSDS so I am going to see if I can lump together some of my planned spends into today so I can claim some NSDs next week. I have budgeted for new work shirts for DH and DS some base layers for rugby for DS but that is all I can think of so far.

DH suggested we do sober October last night which I would be up for but not sure if he could last that long!:rotfl:

£12.75 TT done to ISA last night and will do another after today's spends.

XSpender

Felt OK when I first got up yesterday but went down hill from there The PT session on Friday was so tough it has taken me to this morning to recover!

I ended up cancelling my hair appointment and apart from walking the dog, a couple of loads of washing/drying and making some star wars cookies with DS I didn't achieve much.

DS has rugby training today so will take the dog and walk him around the field to keep warm. DH and DS need a haircut and our kitchen guy has asked us to get all the materials ready for him starting work which will mean a costly trip to B and Q. I also have a light to return and we need some compost for the tubs at the front. I am at the point now where I want to see some progress on the kitchen and DS bedroom. The final curtain sample came yesterday and I think we will go with it.

Nothing much to report on the financial front; £3 over food budget for the week, found my old advantage card and have a fiver on it, done shop n scan.

I have logged everything in MFP this week which has made me conscious of what and how much I have been eating and have done some exercise every day so hoping it will show on the scales on Monday morning.