Paid off the £31,000! BUT - still scrimping!

Seasidegal58

No milann - it wasn't! My bank holiday weekends are quite precious and lolling around on the sofa wasn't how I intended to spend this one!

SCRIMPY WEEK 3 - MAY

......which started off well yesterday with one Ad Hoc spend - £4.00 for a taxi home from the station. I worked late yesterday and was quite tired and couldn't quite face trudging up the big hill on my walk home!

So £100 in the Ad Hoc budget for the week, now minus the above spend.

Today I've done the housework this morning - the flat needed a good going over as I didn't do any last weekend.

This afternoon jobs are: I have a summer coat to take to the dress agency that I've realised I will never wear, a couple of bits for the charity shop and some of little nephew's clothes that he has outgrown to drop in at the local children's clothes agency. I've also got some food to go to the food bank and pick up my meds from the chemist.

Not much on socially this week- there's nothing on at the cinema that my friend and I wish to see so we're going for brunch tomorrow instead. Nothing else pencilled on the calendar so should be a nice scrimpy week, although I want to get my large suitcase ordered (which has been budgeted for from the bonus).

I'm still waiting to hear from the loan company about my last PPI claim. They've got until the end of the month to let me know either way. I've a feeling they're leaving it till the last possible moment!:mad:

Munchin

Hi SSG

Glad to hear you are over the bug but what a waste of a bank holiday.

I'm a bit like you this week - not much on socially but appreciating the lull before it all gets busy again. Have a lovely weekend and hopefully you will get the benefit of the end of May bank holiday.

Seasidegal58

Thanks Munchin. It's nice to have a social lull occasionally. And at least I didn't spend anything last weekend!:rotfl:
X

Sunshine_girl2

Seasidegal58 wrote: »

Thanks Munchin. It's nice to have a social lull occasionally. And at least I didn't spend anything last weekend!:rotfl:
X

That's pretty much me this weekend . :rotfl:

HairyHandofDartmoor

Sorry you were ill over the bank holiday weekend, it's lucky we have another one coming up soon!

I hope you enjoy brunch tomorrow with your friend .

DD's town sounds perfect with the two rivers as well. I'm sure the time until you retire will fly by and you sound as if you deserve a break from working so hard your entire life .

I hope you hear back about your PPI claim soon.

doingitanyway

Good luck with your PPI

Glad you are bug free now and as you say your 'lull' had its advantages

Wishing you a lovely Sunday

brizzlegirl

Just catching up. Seems that its been a while since I popped over..sorry about that. But...all sounding good. Boo to the bug, what a waste but loving all your tracking of spends and weight and just generally how you are feeling. This will be a great record of how positive you are being about everything.

2 years...WOW WOW WOW! My current plan is 10...but who knows. Life may intervene :rotfl: I was looking at my signature again and thinking that I won't be able to pay off the mortgage by 2022. And I probably need to concentrate on my pension, particularly with the tax upside, but it should come down considerably. We have had a couple of spends this weekend with OH needing new headphones etc (to be fair he uses them everyday for de-stressing etc) and a new chair on order for reading in my ' relaxing nook' which was definitely a splurge purchase, but that's the first time since Christmas so I will take that as a good sign. And paying AVCs into my pension wouldn't have been half as much fun :rotfl:

Seasidegal58

Hi – thanks for popping by everyone!:hello:

I think these two years are going to feel like ten to me brizzle! As I wrote before, the last ten years of work have sped by, but I now keep worrying about scary scenarios for the next two; i.e. will the world of pension returns crash, will Labour means test State pensions if they get into Government, should I give up work now and lose out somewhat financially in the future over having an extra two years of retirement life – I'm getting quite neurotic about it all, which isn’t like me usually.:eek:

You and your OH have been doing really well lately though with your budgeting – I think that as you're both in it for the long run and have good salaries coming in, a few spends here and there aren't going to cause too many problems on the run up to retirement. You're right about the AVCs though! :rotfl:

Your new chair for your relaxing nook sounds just the ticket – I'd really like a special relaxing nook for reading – mine is the sofa in the living room! A comfy padded seat within a lovely bay window would rock my boat – preferably overlooking the sea!

END OF SCRIMPY WEEK 3 – MAY

Budgeted spends included weekly Pret coffees, brunch on Sunday, cards and stamps, and cotton wool face pads.

Ad Hoc spends this week:

Taxi: £4.00

Dress Agency: £9.04 – (they had paid out another client's earnings to me in error! After taken into account the money they still owed to me I had to pay back £9.04!)

Rail Company: £10.00 –I get DSis a discounted "friends and family" annual rail card via my season ticket whereby she can get one-third off off peak tickets. I've treated her to this.

So a not too bad £23.04 spent so £76.96 winged over for savings!

Latest news is that I've finally had confirmation from the managing agent that my share of the flat renovation works will be c.£3,750. This is actually under what I was expecting and, as I've got more than this amount saved, the balance cash can go into the general savings pot. Not an amount I want to part with particularly, not because I mind paying to keep the flats up to scratch, but more that I'm sure they fudge the figures to the freeholder's benefit!
　

HairyHandofDartmoor

I suppose it's because you've worked so hard for so many years that you're worried that your retirement will be spoilt in some way. You have guaranteed income whilst working, but I suppose there's a little bit more uncertainty with retirement income. But I'm sure you don't need to worry .

I'd love a reading nook too and the one you just described sounds lovely .

That's a lot of money for the flat renovations:eek: although good news that it's less than you expected :T. Do you think all the residents will have the money set aside for it?

milann

I know just where you’re coming from worrying about retirement. IF the inheritance we’re expecting ever actually finds it’s way to us - I’ve dared to dream of cutting my hours but I really think I’d be quite frightened to do so - as if I’m tempting fate in some way - totally irrational but the way things seem to be going I could well be retired by the time we receive it:mad: