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A Ditherer's Diary (again)
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Ooh, this is sounding exciting! There's nothing like a deadline to focus the thoughts on money saving, and in a few months you will be putting up the office fairy lights and thinking what a good move it was!I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/221 -
Cherryfudge said:Ooh, this is sounding exciting! There's nothing like a deadline to focus the thoughts on money saving, and in a few months you will be putting up the office fairy lights and thinking what a good move it was!
Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again2 -
The outside office sounds like a really important quality of life thing to me (I think it will make your house feel quite a jut bigger too) and I would go for the better electrics option, mainly to be able to heat it to keep it from getting damp (you could probably run low power electric blankets to keep the human warm but you need to heat the structure at least a little). And yes, great idea to save hard between now and when you have to pay the bill, so you have a little more head room in your EF at the point of settling the bill.You should be very proud of yourself that you can afford this to be an option. It wouldn’t have been remotely possible a few years ago … 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
@KajiKita yes, quality of life definitely. And I agree about the need to heat it at least a little. We do have an old oil filled plug in radiator in our garage so I'll dig it out and check it works later in the year.
There is also the added value to the house. We're not planning on selling anytime soon but the option for anyone to be able to work out of a separate space is good. It could also be used as a small summerhouse if not an office.
We have nothing planned for today, I need to do some food shopping and housework but that's it. I think I've left it late for food shopping as I hate going later when it's busy. I might put it off until tomorrow morning.
I called my friend last night to see how she's doing. Her super organised mode has kicked in and she's getting in touch with the insurance companies and international funeral directors as her sister in law is in no fit state to do anything. She's coming up from Portsmouth to her parents on Sunday so I'll see her in the week as they are only 10 mins away from me.
Hope everyone has a lovely weekend.Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again1 -
Just been through my Monzo account and transferred £29 from round ups pot that has accumulated to the savings fund. I also still have my personal monthly spending money fully in tact so whatever is left by next payday will go into the savings too.
20yo has finally transferred me £50 he owed me plus the £60 for his mobile phone bill and some for his savings so that's all been shuffled into the right places.Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again2 -
Vinted dress has arrived. It's lovely 😍 a great fit! I already have white sandals so I'm good to go.Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again2
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Naomim said:Vinted dress has arrived. It's lovely 😍 a great fit! I already have white sandals so I'm good to go.
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.0
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