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Get a grip !
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I had just under a quarter of a tank left of petrol. DF gave me £50 for petrol and £20 for my birthday a few months ago which was lovely of him 😊 Filled the car up, just under £40. Puppy dog is very pleased to see me. I have missed her.Had an email from my solicitor and have now paid £300 for searches and £90 for no-cost insurance to cover solicitor fees on my new purchase in case this one falls through too.It’s meant to get up to 37 degrees this weekend 🥵 so I am not planning to do anything except some washing!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 -
Welcome back.
Take it easy due to the weather and keep hydrated.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Wow it’s hot 🥵 Had my fan on all night. Windows/ doors are open, DS is working from home in the kitchen, but there is no breeze. I’ve put all the fans on and the air is moving a bit.Puppy dog has gone away with DS’s gf to her parents so no dog walking for me today. I was still awake early & it was cooler at 5am. Our council wanted bins out by 6am, due to the heatwave they were supposed to be collecting earlier, but have just been at normal time.I walked to the co op earlier and bought milk, 12 pack pep max, ham & salad bits. £11.85. It was already hot out, but lovely to cool down a bit in their air con. I want to hard boil some eggs but it’s too hot.My friend (the one who moved) invited me to her house this weekend but last time I went and it was hot (over 30 degrees) I threw up in her garden 🫢 despite sitting in the shade, so I told her we will do it next weekend when the heatwave has passed. I’m usually ok up to 25 degrees but at the moment I’m melting 🫠 I have filled another large bottle with tap water & put in the fridge to keep myself hydrated.One load of washing done & hung out. I don’t think I will be moving far from the fan for the rest of the 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/p13 -
Have got 3 quotes this time for my level 2 survey, £600, £630 and £375. All have the same qualifications & are booking for the same dates. So I have gone for the £375. They explained they are cheaper as they are independent and work from home so have lower overheads. They send the survey results within 48 hours whereas the others were 5 working days.They now book a date via the Estate Agent and then send me an invoice. They all want the money in advance.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 -
It has been a hot one today, I'm not surprised you're struggling.
You can do the eggs in the microwave or have them sitting in hot water after making a brew.
Good call using the independent, he'll probably produce a better report or confirm other information to you.Mortgage started 2020, aiming to clear 31/12/2029.2 -
I had a look online and I never knew it is possible to boil eggs in the microwave by adding salt to stop them exploding. I will give that a go. Thank MF. 😃
Have worked out my bills for august. My mortgage has gone up again. I have used my entertainment budget for going away to see family & used car savings for petrol / DiY spray job on my car. For the first time my outgoings are more than my incoming. Can’t wait to get rid of the mortgage!Wages £1234.81 & bills money from DS & his gf £227. = £1461.82 outgoings 1462.98
Mortgage £230.47
Council tax £167
EON £125
Union fees £8.82
Mobile phone £9.96
TV licence £13.37.
Petrol £40
VM £62 phone/tv/fast broadband
Water £41.36
(Supply £13.35 & Waste £28.01)
Car savings £50
Dog food £15.
Xmas/bday £50.
bills £100.
Entertainment £100
Food £150 (£30 pw)
Savings £300
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 -
Always have a quick look online as there's usually a cheaper way of doing something with food cravings.
Reduce Xmas savings by £2 as it will leave you in credit from income.Mortgage started 2020, aiming to clear 31/12/2029.1 -
Thanks MF. I am lucky that I have a choice and can cover the shortfall from various savings budgets. I still have a bit left in my entertainment budget and DF gave me £20 for my birthday so that should more than cover it.I have about a quarter of a tank of petrol left so I am hoping I will only need another £20 top up to last until the bank holiday now as I am only going to the office 3 days a week and working from home the remaining 2 days.I am going shopping on Tuesday on my way home from work. Until then I have a huge marrow that DF gave me and have taken a pack of mince out of the freezer so I am going to make stuffed marrow this morning while it is cooler in the kitchen & freeze leftovers.I am only going to use half a pack of mince and pack out with veg and I will put the rest of the mince and veg in the slow cooker and add baked beans & kidney beans and tin of tomatoes and make a chilli.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 -
Hurrah to end of mortgage what a relief and a lovely new house to look forward to. I agree with you about not going out in this weather. It is v warm today, rest as much as poss. I think this weather will last for some time.Aiming for a minimal spend 20221
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I spent most of yesterday on the sofa watching tv in front of the fan. I hate this hot weather. I did manage to clean the bathroom by doing it each time I went to the loo. All the water / squash I drank there were plenty of opportunities to wipe round the sink, bath & loo. 😆
Two loads of washing done and line dried including towels. Also wiped round the kitchen surfaces & unloaded/ reloaded the dishwasher.Today I have a few little jobs to do. I have minor sewing repairs on two tops. I need to remove empty meds boxes from my bedroom into recycling after removing sticky name / address labels. I will unpack shoes from my backpack that I took away on holiday. I also need to mop the bathroom and kitchen floors.Can’t do any more washing until I buy more liquid when I go shopping on Tuesday. Then I will do my bedding.The temperature is already starting to ramp up outside.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
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