Get a grip woman!

Suffolk_lass

DEBTS

[STRIKE]£110,621[/STRIKE] £104,999.73 (£5,621.27 paid so far) - Mortgage
[STRIKE]£3,476[/STRIKE] £2,876 (£600)- DH's car (payment on 22nd)
[STRIKE]£8,755.54[/STRIKE] £7,163.64 (£1,591.90) - Barclays Finance for double glazing

Total [STRIKE]£122,852.54[/STRIKE] £115,039.37 - that is £7,813.17 so far - most of the change happens in the first half of the month - so superficially impressive I think.


SAVINGS
£9,317.28 (aiming for £10,000) Emergency fund today -£682.72
£12,193.42 S&S ISA with Fidelity International (original £10,000 4 years ago, no further capital added) - starting to climb back up a little bit
£5,573.00 DH's S&S ISA with Charles Stanley Direct
£3,122.40 2 year Bond with Skipton BS @ 4% Finishes in early 2018
£10,947.52 7 year bond with Skipton BS - matures Oct 20
[STRIKE]£38,630.43[/STRIKE] £41,153.62 Total actual cashable savings

Shortfall -£73,885.75 (all debts)

After making our mortgage payment I checked the account and it was less than five hundred away from the next thousand figure, so I made the overpayment and rounded it down to £105,000.00 exactly. Needless to say, when they applied the daily interest change there was 27 pence extra paid off - hence the untidy figure! hmm!

I have also ordered €600 cash to collect on Saturday. I used the MSE travel money maximiser and chose the first one that is covered by the FCA as I knew it would be Saturday before I could collect them and I would pay immediately. I lucked out as it is through Sainsbury's Bank and there was a slightly better rate available to Nectar card holders. Very happy with that - far too many for my trip to Poitiers next weekend but will probably be just enough for our summer trip, providing I use my Halifax Clarity Card for hotel bills and clear it completely.

Time to go out this morning

Hiddenidenity

You're amazing look forward to following along your journey *subsribes* x

Suffolk_lass

Thanks HI, I've just had a quick read through yours too! Different journey, same aims. Well done and welcome.

Suffolk_lass

Just when everything seemed to be planned out and plodding along...

We have offered on an old house in our dream location and it has been accepted. Off to tidy up prior to the agent coming and looking at ours to give us an honest assessment of what we must do to present it as well as possible (empty it of all our clutter!) to get a good price and a quick sale. It's not going to be cheap...

Hiddenidenity

Amazing news!

No it won't be cheap but as long as you stick to a budget it'll be so worth it in the long run x

Suffolk_lass

Payday for DH today so I have just been into the account and tidied it up and set the spreadsheet to stun - I am looking for a frugal month in June now that some of the salads are starting to come down in price in the SM and we are going to top up with herbs and shoots from the garden. I am just under £120 from the £10k cushion I wanted in the cash account but I realise this should really be £12k as I have a planned raid to pay off the stoozed 0% CC in September - it will be exactly £2000 to pay and that is fine but the emergency cash fund might be a tiny bit short of the £10k I aspire to, at that point.

In other news I have been to France to visit friends (wonderful weekend) and managed to get away without depleting my cash euros too much. I think I will rely on my Halifax Clarity CC for the majority of holiday spending and keep the cash within what we now have (just over 500).

No weight loss but I have been drinking and eating lots of lovely French bread and pastries... well I was on holiday. I should be fasting for most of today but there was an opened packet of crumpets pleading ("eat, eat me") so I have put two of them out of their misery via the toaster! No wonder my weight is no lower!

June plans that impact on finances -

• we have our Son's 25th birthday (actually May but out of June's money)
• a party/house-warming to attend next week, I shall probably take a plant
• a fundraising event to donate cooked items to, and
• some paint to smarten up bits of our house that is going on the market at the end of next week
• Oh, and some storage boxes so we can stash our books at our Son's house until we have another place to store them (cheaper than self-storage and he has an enormous loft) - our house is full of stuff!

Karmacat

That sounds like you've had/are having a great couple of months

Suffolk_lass

DEBTS

[STRIKE]£110,621[/STRIKE] £104,999.73 (£5,621.27 paid so far) - Mortgage
[STRIKE]£3,476[/STRIKE] £2,676 (£800)- DH's car (payment on 22nd)
[STRIKE]£8,755.54[/STRIKE] £7,163.64 (£1,591.90) - Barclays Finance for double glazing

Total [STRIKE]£122,852.54[/STRIKE] £114,839.37 - that is £8,013.17 so far.


SAVINGS
£10,366.71 (aiming for £10,000) Emergency fund today - realised I need £12,000 to clear the 0% CC in September so carrying on.
£12,394.51 S&S ISA with Fidelity International (original £10,000 4 years ago, no further capital added)
£5,644.71 DH's S&S ISA with Charles Stanley Direct
£3,127.14 2 year Bond with Skipton BS @ 4% Finishes in early 2018
£10,947.52 7 year bond with Skipton BS - matures Oct 20
[STRIKE]£38,630.43[/STRIKE] £42,480.61 Total actual cashable savings

Shortfall -£72,358.78 (all debts)

All our focus this week has been on blitzing the garden and going through the cart lodge and turfing out stuff. We ended yesterday with a big pile of tutt on the drive but (for the first time in almost 30 years together) a car in the cart lodge. The bad news is that there was only about 3-4cm clearance on each side as I drove between the brick pillars :eek: Not an activity to undertake regularly but it does show a car and two motorcycles will fit which is important to potential buyers.

In the remarkable way of things, we found a couple of old paintings in the cart lodge. Both almost completely black with filth but one of them is on canvas and appears to be a portrait by a former Royal Academy exhibitor. I did a quick online check and it may have some value, although most of his works are landscapes and this is a portrait. I wiped it but it is still filthy. I may have to look into that. The other one is on a board and might be on top of another painting. No trace of the name online.

I have about eight boxes to go through today and either stash as treasures or put out for charity shop. Then the Estate Agent can get in to take the pictures. Hopefully that can happen tomorrow.

I'd better do some getting on with it really!

Karmacat

Cart lodge :j:j:j I love it!

But ooh! careful on wiping a potentially valuable painting! I can understand doing it, but I hope you can get it checked out some other way ...

By coincidence, my sister and I have been hunting through our houses looking for stuff to take to Antiques Roadshow - they're a few miles away in the next couple of weeks :rotfl: I have 3 things from the mid 20thC that might count as items on there - a very limited edition piece from a well known potter, a snazzy dress my nan wore, and a hand made two-cat statuette from the 1950s.... no lost Gauguin paintings, but should be a bit of fun :rotfl:

Suffolk_lass

That sounds brilliant, I came across some old photos - including me in a 1920s silk flapper dress that I borrowed from my Sister to attend my graduation ball at Uni. I remember how glamorous I felt, despite the poodle perm on a sort of long mullet cut!