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Get a grip !
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My friend phoned for a chat and she was feeling really down. We went to McD & had a drink & a Mc flurry each. So much for my will power!We also went to b&m and I got a new outdoor long handled broom £5 for scrubbing the patio, 3 mug shot 50p each and 2 toothpaste £1 each. Total £8.50. I will take from household bills account once my credit card bill is produced next month. Also got broccoli in lidll 69p & will steam and freeze it. My friend got her weekly shop and I drove her home as she doesn’t have a car.
Just about to take the dog for a walk. The sun has come out a bit too. ☀️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/p11 -
You were there for a friend in need, increase your fun budget for a few months until things settle.
Mortgage started 2020, aiming to clear 31/12/2029.2 -
I have miscalculated savings this month as I put £55 into my isa for house purchase and paid £90 to solicitors all from my current account. This means I have £2.80 left in my current account.Credit card account shows a pending £10 statement charge. This was not mentioned when I ordered paper copies of transaction history on web chat so I have sent a complaint message via the app and should get a reply tomorrow.I have transferred £90 from long term savings (house moving fund) to my current account. Once the bank reply to the £10 charge complaint I will pay off the extra spending on the credit card leaving £219 to pay once the bill is produced which is house insurance & will be paid after payday from household bills account. 🤯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/p11 -
Took the dog for a lovely long walk this morning. First time I have managed to go a different route on my own for a long time. Puppy dog had a lovely time leaping in the long grass 😁 Back home for breakfast then had a long snooze.Had a reply from the bank to say that my complaint has been referred to the credit card department.I dug out my ancient laptop and downloaded the pdf transaction histories for my savings accounts that will be used to pay for the house/ fees and emailed them to my solicitor. Took me ages to work out how to do it.Had another snooze. Have been very tired today. Sudden torrential rain. Walked to the co op and spent £3.50 on 8 cans pepsi max & £1.25 on large bag crisps & £1 on Laughing 🐮 cheese on offer. Walked the dog again just around the pond. Emptied and reloaded the dishwasher and emptied all the bins. Feel like I have done nothing but sleep all day, but written down I have done a bit.Found half a pack of sun dried tomato cous cous and had it for tea with roasted garlic, courgette, yellow pepper & a few overripe tomatoes on the vine & some peri peri chicken (that DS donated to me which he made in his slow cooker and didn't like.)
Have been trying to get my head around the idea of going back to work next week0% 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/p12 -
Feeling very unsettled this morning. Woken up by a horrible dream about poor puppy dog 😢
Have fed her and given her a hug. Will walk her later.Have to take her to the vet later for a regular gland issue. This is covered on the vet plan DS pays for.I will take some frozen sliced pork out of the freezer later for a pork curry for tea.Hopefully the weather will be dry today. They have forecast some wind so I might be able to get my bedding washed & line dried.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/p12 -
You're not well at the moment, don't think being constantly on the go / doing things is what you should be doing. Rest, eat and potter.
The dreams are normal after what PD has been through, they'll settle soon.
It's high winds up here, hopefully you won't get those make their way to you.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Walked the dog this morning. Cold & grey day. Had a snooze. Hoovered the hall & living room“Buying property” legal pack arrived. Had to phone the solicitor about a few things which were sorted. Searches £300 & insurance £90. Tried to work out what an electronic transfer is (just a transfer on the app or online banking!) & tried to set up the solicitor as a payee on my app. The bank account name is not matching so I will need to phone solicitor again tomorrow. Then I can transfer the money & pop the completed forms into their office after my diabetes check upTook puppy dog to the vet. DS got the last of her “dissolvable” stitches out this evening and she seems happier now her glands are done.
Took the dog home after the vets. Then out again. Bought superglue in b n q £3.85. Picked up kfc £7.49. Walked the dog again. More snoozing.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/p13 -
Things are progressing, double check the bank account number too, just as a precaution.
Great news about PD.Mortgage started 2020, aiming to clear 31/12/2029.1 -
Had a long walk with the dog this morning & my friend with 2dogs. Sorted the solicitor bank account name & paid for searches & insurance. What a faff that was! Had to find my card reader then batteries were too low so had to replace them. At least I had some in my battery stash.Went to gp for diabetes check up. No problems apparently. Nurse could not give me blood test results so I have to send an online enquiry (not available until tomorrow) or phone tomorrow and ask for a non-urgent referral. This is another reason I am thinking of going back to work next week, it is more stressful trying to get to speak to a Dr and trying to get a sick note!Fell asleep on the sofa. Physio was at 5pm. Walked to the hospital and back (about 15 mins each way). DS & gf have walked the dog this evening.Lamb burger with watercress salad for dinner. 😋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 -
See how you're feeling Sunday and perhaps ask for a phased return over 2 - 4 weeks, even if it's a mix of home, office and a day unpaid, unless you need every penny for your purchase.
Dinner sounds great!Mortgage started 2020, aiming to clear 31/12/2029.1
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