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Im sorry that the massage lady couldn't make it but am v envious of the icecream. I am just waiting for some chicken to be roasted. It is horrible outside here too. Well done on tidying.Aiming for a minimal spend 20220
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Forgot to mention I also got my car insurance renewal quote in the post today from my existing insurer. Its due on 19 December. It has gone up £8 which I thought was pretty good. I will spend tomorrow getting more quotes to see if I can get it cheaper elsewhere.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10 -
Have been decluttering the kitchen and decided to go to asda and get another 4 drawer storage for dog stuff which was £13 online. It was on roll back and only £10 in store
I also got a lovely butterfly duvet set £12 for my second duvet. I have 2 thin ones so I can throw one off if I get too hot. Total spend £22 from annual bills/household fund.
Heating has been off all day, it was lovely and sunny this morning and 1 load of washing hung out is now on airers. The massage lady came at 3.30pm this afternoon and I feel all relaxed now and the heating has just come on. Lamb shank from list for dinner. DS & gf & dog back in morning.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10 -
Well done on decluttering and buying storage and new duvet. The lamb shank sounds great. Im jealous! It's great that you had your massage. Sounds like a good Sunday to me.Aiming for a minimal spend 20220
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That sounds like such a lovely Sunday, SkintyetAgain.0
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It was a lovely relaxing day on Sunday. Back to normality today :rotfl:
Worked this morning. Came home. Walked dog. All food from stores. Rained all day.
I have been trying to work out Xmas costs including petrol up north & should all be covered from Xmas savings account. Payday on Friday and have arranged with a friend to go out Friday afternoon & Saturday to do Xmas shopping plus lunch on Saturday. Roll on the weekend !0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10 -
You sound very organised! Well done0
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Thanks Kittikins, I'm trying not to leave everything till the last minute and not overspend !!
Payday yesterday :j will post my budget later. I managed to resist a bacon roll & chocolate bar at work & took porridge, banana & yoghurt saving £3.20. Went to aldi for week 1 shopping, came to just over £27. I also got 2x 24 Pepsi max £4.99 each on offer at lidl which should last me a month including Xmas.
Total £36.98 / £150. I have increased the food budget this month to cover some nice treats. I will be up north for Xmas but home for new year.
Set off walking to a friends house to go out for the afternoon but she messaged to say she wasn't ready so I went to the local chip shop and sat by the pond in the lovely warm sun eating my chipsJust as I finished my chips my friend rang to say she was ready and she picked me up in the car.
I got lots of stocking filler chocs in the range 2 for £1. Also a his & hers tartan reindeer Xmas tree dec. We then went to b&m for more goodies. Today we are going to the local shopping high street and hopefully I will finish off the stocking shopping for DS & his gf. The rest of their gift will be money.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10 -
Monthly Income Details
Monthly income after tax...... 1138.14
Other income.......................... 190 bills money from DS & gf
Total monthly income......... 1328.14
Total monthly outgoings .... 1317.10
Monthly Expense Details
Mortgage................................ 227.4
Council tax............................. 148
Gas..................................... 80 & electric
Water rates............................. 47.8
Mobile phone............................ 7.49
TV Licence.............................. 12.37
Satellite/Cable TV.................... 50.5 & internet/landline
Groceries etc. ......................... 150
Petrol/diesel........................... 100
Car maintenance (including MOT).. 30
Presents (birthday, christmas etc)..50
Entertainment........................... 80
Emergency fund....................... 0
union................................... 8.54
dog food................................ 15
Annual insurances/bills......... 100 & clothes / hair
Physio Massage................... 0 starts again jan
0% credit card £50
0% car loan £1600% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10 -
Had a good day yesterday. I walked the dog then went shopping with a friend. We went to wetherspoons for breakfast I had a bacon butty & tea £3.35. Got some good Xmas stocking bargains including super drug Lynx ice chill-Anthony Joshua shower gel 99p for DS & imperial leather love hearts shower gel for DS's gf 98p. Remember love hearts sweets
I also got a tub of celebrations in tesco £3.50.
DS & gf took puppy dog to the forest in the afternoon then they both went to work in the evening. Me & the dog were flaked out on the sofa
I have been offered a new phone as another friend has upgraded. She wants £25 which is cheap so I am going to treat myself.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10
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