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Budget Wars - A New Hope (with apologies to George Lucas)

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Comments

  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    boxofpaws wrote: »
    The husband has tidied THE GARAGE today so looking at it involves going outside and unlocking the garage door. I'm going to be exhausted by bedtime...

    Bob, sounds like you are having a great day!

    New exercise programme right there!:rotfl:
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • greent
    greent Posts: 10,829 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What a lovely, positive day :)
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Sounds like you had a very good day Bob, I on the other hand had a shocker!
    Debt free Feb 2021 🎉
  • sashybo
    sashybo Posts: 4,598 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Bobarella wrote: »
    Am I the only one wondering how you slip in a cupboard?:rotfl: paging Elf and Saftey:rotfl:

    Tulip eating cats:eek::eek:

    :rotfl: To stop the plates/pots whatever sliding about. :rotfl:

    Oh my cats will eat anything - my little cat has stolen bread out of the toaster & was trying to fish eggs out of a boiling pot the other morning. :eek:
    Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £10,546, Car loan CC 0% BT £5200. Debt Free Diary to try & keep spending in check.
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    sashybo wrote: »
    :rotfl: To stop the plates/pots whatever sliding about. :rotfl:

    Oh my cats will eat anything - my little cat has stolen bread out of the toaster & was trying to fish eggs out of a boiling pot the other morning. :eek:

    Oh no tiny people in your cupboard after all. Sad. Wow it's a good job that cat has 9 lives:eek:
    Sounds like you had a very good day Bob, I on the other hand had a shocker!

    Oh no! :eek:
    greent wrote: »
    What a lovely, positive day :)
    x

    Thanks :)
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • Glad you had a great day...hope today is great too!
  • f0xh0les
    f0xh0les Posts: 7,672 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Happy February!
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Macey1510 wrote: »
    Glad you had a great day...hope today is great too!

    Thank you Macey
    f0xh0les wrote: »
    Happy February!

    Indeed! :D
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    edited 15 February 2017 at 2:38PM
    Hi All

    Today has been quieter and more domestic than yesterday but all good still.

    Wealth

    * I am probably the last person on MSE to start a store cupboard. Fact. Every day I read about people living out of their freezers and cupboards for months. And my first thought is, surely to be knee deep in food you are over spending? At some point? As we don't have a car I shop in small manageable chunks. Haul it home. Rinse and repeat. All leftovers get eaten up. If I find 10 YS loaves they go in the freezer then we eat them before buying more. Am I doing this wrong??

    Anyway I have noticed from my diary that at anytime from now onwards until the 25th we can really struggle to keep the home fires burning. It can be anything from me being owed money or me not earning enough. Therefore I came to the rather late realisation that it would probably be sensible to build up enough supplies in the house to cover 10 to 14 days of food.
    That's a massive goal and in terms of money probably about £140 worth for us. I don't see how I can get around the fresh stuff as it will just perish but today I added duplicates of meal time staples to my basket (tea bags, pasta, pasta sauce, kidney beans, Pasatta) I figure if I just get a couple of extras each time I shop, meat will take a while to build up because it's more expensive. Might work....We also don't have a huge freezer and no space to put in another. So it has to be practical too.

    * Earned 40 bonus points buying oven chips, which I'd planned to get anyway. And used a triple points coupon.

    * Now have £9.95 in Nectar points. I don't usually save them, just spend them each time I get to the pay out limit. Thinking of saving them up this year.

    * Had a letter from the building society the children's cash savings is with, to say they are closing that branch. As the nearest alternative will be an out of the way location I had a look on Money facts and spotted an account paying 4% which is a lot better than the 1% they were getting there. Only draw back is the only branches are in Essex. But as the cash accounts are more for paying in the odd cheque from Auntie X at Christmas & birthdays I am not too bothered about branch access.

    * Our account has now fully switched to FD. They have automatically added a £500 overdraft which I do not want at all. I am not sure whether we should ask them to leave £100 of that just in case something goes wrong at some point? Or if by doing that we are expecting to get it wrong?

    * Movement on operation buy a new machine/sell the older more expensive model. My friend who is helping me reckons there is around a £1k difference between wacking it on the bay of e just as it is, and giving it a good spit and polish and taking our time to get the best price. So this is not a quick game but my plan is to use any funds I receive to put 1 months business costs away. To hit my requirements I need £1200 (months costs)+£300 (new machine cost) £1500. That is exactly half what my friend thinks we can get. From the other side, I'd pay him what he wants for his time and efforts in fixing the old one up, and lots of other stuff he is kindly doing. Plus e bay fees which would be a lot if we do sell top end.

    Health

    * Late night last so bit tired today. Will do my long walk later.


    Organisation

    * Used up pasta for DD and I for lunch. And two sausages.

    * Put out a bag of duplo railway bits to the kerb.

    * Meal plan for 3 days based on today's shopping.

    * Checked banking.

    * 11 days left till next big money payday. So far own drawings of £300.

    Bye all.

    Bob
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • The store cupboard thing is a difficult balance - we have one, but I'm painfully aware that we must have {random stab in the dark} £50-100 worth of food tied up in it and the freezer at any one time. We are on a mission to eat down ours, and I think that's probably a good solution - ensure it's there but make the effort every couple of months to eat it all down and make sure that forgotten half packets of lentils and tins of tomatoes aren't going unused.
    Trying to figure out a whole new life. Trying to figure out a whole new budget.
    Divorcing, unclear on final debt total right now, but focusing on building a financial buffer zone.
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