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Get a grip !

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  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    So pleased for you Skinty (where's the happy dance emoji!) XXX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,456 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 19 September 2024 at 9:54AM
    Thanks MF, @[Deleted User], @southern_chick and @Chrystal

    Its a lovely morning, sunny & warm and a nice breeze. Met up with my friend with 2dogs while walking puppy dog and we walked with them so had a lovely chat. Washing is on & should get 2 loads done today. 

    The solicitor said I need 12 months of bank statements for each account so I will sort that today. Not sure if there will be a charge. 

    Had an Indian last night with DS, with £5 discount and free delivery total was £16.88. We actually sat together and chatted! I have £13 left until payday so I will try to use up food left in cupboards/fridge/ freezer. 
    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/p1
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,456 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Breakfasts
    cereal
    bacon roll 
    egg on toast 
    scrambled egg / omelette 
    toast & mar mite (Aldee version)
    cheese on toast 

    lunches
    cooked chicken & salad 
    chicken & sweet chilli sauce wrap
    cheese & sausage wrap
    3 x jacket potatoes with tuna & sweetcorn 

    dinners
    2 x beans on toast
    chicken hotpot frozen meal
    chicken curry (batch cooked) & rice
    gammon egg & chips
    chicken fajitas 
    Cajun Chicken, chips & corn on cob

    I just need to buy baked beans, peach squash, milk & fruit. Should last until 30th. I will go shopping then & put on my credit card, then pay it off in full when I get paid on 31st as I should be back at work that day

    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/p1
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Curry and talking is wonderful.
    The banks should do them for free. Have you looked at online banking as I'm sure they go back a few years; mine were accepted by solicitor and lender.

    Meals are well planned.

    You're sounding so much better now a bit of the stress has been resolved. Make the most of your time away to plan each stage as being in control of your things help.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,456 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 22 May 2022 at 6:37AM
    The weather was lovely yesterday and I managed to get 2 loads of washing dried on the line & put away. Washed the patio down with the hose. Also tidied the kitchen, emptied and reloaded the dishwasher and bleach cleaned the worktops and chopping board. Plus 2 x dog walks. 

    Had a walk to the co op for peach squash but they didn’t have any. Ended up buying 8 cans Pepsi max £3.50, large bag crisps on offer £1.35, yellow stickered duck & hoisin sauce wrap reduced from £3 to 94p and a box of 4 ice creams £2. I put it on my credit card and will pay it off in full after payday. I must get a grip on my food budget and stop being tempted. Need to get some willpower!

    I found the document needed by the solicitor and ordered copies of my last 12 months bank transactions for each account. This comes on headed paper and is free. Actual bank statements are £3 each! My printer is not working & it was a faf trying to download them. I’m afraid I’m a bit old fashioned and ordered paper copies. They should arrive this week. 
     
    Plans for today / next week
    - tidy my bedroom 
    -hoover hall, stairs & landing 
    - sit in the garden & relax 
    - Cut grass
    - wash bedding 
    - wash patio doors inside and out (in reality wet with hose, sponge with soapy water then hose off)
    - hoover living room 
    - out with a friend on Friday will use credit card & pay in full after payday

    I will try and do at least one thing a day. Feel much more like myself at the moment. 
    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/p1
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    When you're settled, budgeting will be easier. Just do what you can to get through the next few months.

    Statements used to be a lot more than that. At least they're ordered and it's one less thing to do.

    Don't push yourself, go with how you're feeling at the moment and factor in a walk to the pond on the nice weather days.  You will get through this.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,456 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Yeah I only ordered the free ones 😆 
    Have to get my eating under control as my hba1c has shot up. Got to see diabetes nurse this week. Should also get the results of the other blood tests. 

    Food today 
    Breakfast- bacon, tomatoes & cheese omelette 
    lunch - jacket potato, tuna & sweetcorn with mayo
    dinner - chicken fajitas (with courgettes, peppers & a seeded wrap & a little of the grated frozen cheese) 

    Have walked the dog and the weather is glorious. Sat in the garden before it gets too hot. Will go in and tidy my bedroom. 
    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/p1
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    From payday start writing a shopping list and don't have too many of the wrong things in, reduce temptation at home.

    Meal plans look great.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,456 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    I have spoken to my solicitor this morning and drove a short distance to his office to drop in the letters he needs. On the way I popped into aldee and got peach squash, tin of tuna, tin of baked beans, box of cereal, super 6 pears & bananas and half a dozen eggs £5.85. 

    It was a nice morning but the sun has now gone and it’s cloudy & looking like rain. 

    Food for today 
    b - cereal 
    snack - pear
    lunch - jacket potato with tuna mayo and sweetcorn 
    D - Cajun chicken, oven chips & corn on the cob 
    snack - banana 

    I am going to hard boil some eggs for snacks. 
    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/p1
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Enjoy your day, it's got off to a good start.
    Mortgage started 2020, aiming to clear 31/12/2029.
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