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Get a grip !

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  • Skint_yet_Again
    Skint_yet_Again Posts: 8,462 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 2 September 2017 at 12:39PM
    Aw thanks SW & KK she is only ...err .. 13 weeks old now and I think she's doing really well. :D Another night of sleeping thankfully as DS was on nights I would have had to get up at 2am then 5am otherwise. Took her for a walk at 5am then back to bed for 2 hours till DS got home. Had a bacon sarnie with DS for breakfast then he went to bed.


    The weather is glorious here today I have 2 loads of washing on the line and have done some ironing. I've also scrubbed down the patio with disinfectant.


    My landline has stopped working with no dial tone - I found out when I went to ring DP's this morning with free weekend calls, so used my free minutes on my mobile instead. I've reported it and an engineer is coming next week for free when I am off work. Also ordered a new remote control for DS HD box as that hasn't worked for a few weeks but haven't got around to phoning up, they are sending a new one for free !!! We like free :)


    I have some pork in the slow cooker for pulled pork wraps for lunch and have some stuff for a curry tonight with nans and popadoms from Aldee will be a cheap alternative to a take away but very nice. Hoping to do 2 more loads of washing this afternoon as they have forecast rain tomorrow. Just about to walk the dog again :D


    Have a great weekend x
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    I am so sorry about your phone!

    Well done on your walking.

    Your tea sounds great. Yum.:j I fell asleep after a snack of biscuits and then had salad which isn't half as nice.
    Aiming for a minimal spend 2022
  • Statement of Affairs and Personal Balance Sheet
    Monthly Income Details

    Monthly income after tax................ 1092.64
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 300 food & 1/2 utilities from DS
    Total monthly income.................... 1392.64

    Monthly Expense Details

    Mortgage................................ 208
    Council tax............................. 134
    Electricity............................. 63.17 & gas
    Water rates............................. 44.23
    Telephone (land line)................... 33.05 & tv/internet
    Mobile phone............................ 7.55
    TV Licence.............................. 12.12
    Groceries etc. ......................... 320
    Clothing................................ 0
    Petrol/diesel........................... 40
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 28.04
    Medical (prescriptions, dentist etc).... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 0
    Entertainment........................... 50
    Holiday................................. 0
    Emergency fund.......................... 0
    savings to credit card.................. 100
    savings................................. 100 for annual insurance car/house & haircuts clothes road tax
    Union fees.............................. 7.84
    Total monthly expenses.................. 1198


    Secured & HP Debts[/b]
    Description....................Debt......Monthly...APR
    Mortgage...................... 0........(208)......0
    Total secured & HP debts...... 0.........-.........-

    Unsecured Debts
    Description....................Debt......Monthly...APR
    car loan ......................0.........160.......0
    Total unsecured debts..........0.........160.......-


    Monthly Budget Summary

    Total monthly income.................... 1,392.64
    Expenses (including HP & secured debts). 1,198
    Available for debt repayments........... 194.64
    Monthly UNsecured debt repayments....... 160
    Amount left after debt repayments....... 34.64



    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    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
  • Good morning. Its dull grey and spotting with rain here today. I am sorting clothes for charity bag collection tomorrow.


    I have worked out my SOA and have £34.64 spare this month so I will round that up to £41 with part of the £11 credit left over in my account last month and get my hair cut and coloured.


    We have a chicken to roast later with roast potatoes/parsnips & veg bought in the week at aldee.


    Walked the puppy at 5am she slept through the night again :D and then went back to bed to snooze till DS got in after night shift. He's on 4 days off now and then goes on holiday so I will need to get as organised as possible before he does as I will be doing all puppy care. Thankfully she does sleep more in the day since we started walking her so I can pop her in her crate and get on and do things.


    Sewed my leather sandals yesterday after naught puppy got hold of them and chewed them ! They are just used around the house but good that I could fix them and wont be buying a new pair.
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Hello it sounds like you have had a productive day. I remember when my puppy used to eat shoes! lol. Well done in repairing them. Ours used to dig up all the daffodils when he was small too.

    Weather is horrid here. Rain and more rain which is good for the garden but grim to see.
    Aiming for a minimal spend 2022
  • I popped into town on my way home from work and picked up DS's money for him, the exchange rate is rubbish at the moment but convinced him would get a better deal here than at the airport.


    They were giving away cans of coca- cola zero in the town centre so I had one for free ...and I got a burger in the king of burgers double cheese £1.49 for a bargain lunch.


    When I got home we walked the puppy round by the pond - not the whole way as she is too small, but part of it and she met a little pug and said hello and an old golden retriever. She hasn't met many other dogs and is a bit nervous but said hello and exchanged a sniff of noses :D


    As I am off next week I have booked my hair appointment, booked my car in to be looked at as it has a rattling noise under the bonnet (hope its covered by the warranty !) and remembered to cancel my Which? subscription... I did the £1 trial to look at their pet insurance reviews.


    Puppy was playing with DS and she made a grap for her toy and missed and sunk her tooth into his arm by accident, and it broke off in his arm :eek: DS was worrying he had hurt her but a quick check of her mouth and google of puppy teeth and call to the vet and everything is fine. They said its common for puppy teeth to break and as long as she shows no signs of being affected (off food in pain etc) then its normal and she will be losing all her puppy teeth shortly ! DS smothered his arm in tcp, hopefully it won't get infected as he's off to USA tomorrow, good job he took out top cover travel insurance (which I did for him !!)
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Well done on the cola free cans. Brilliant!

    You always get a low price burger meal. That's such a good price.

    I'm sorry about son's arm and hope it heals. I remember when my dog bit a bee and when it stung him he thought mum had hit him! I wonder if she understands what happened? Hope she is ok.
    Aiming for a minimal spend 2022
  • Puppy is fine today thanks SW. I worked for a few hours this morning then came home and took her for a walk between showers. She met and said hello to a few more dogs on our walk today and seems to be getting a little less anxious :) We've just been out in the garden playing with the ball. She brings me joy :happyhear


    DS flew off to USA today and I've just heard about Hurricane Irma on the lunch time news. I am keeping everything crossed and positive thoughts that it will not hit Florida :eek:


    I had some leftovers for lunch and made chicken & egg fried rice , chicken breast and half a pack of micro rice with onion & peppers and an egg. After that my friend came round for a cuppa and to collect some demi-johns that DS brought down from the loft the other day. More decluttering done ! They had been in the loft for 20 years since we moved here lol.
    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
  • First day off work today. Its dry but cloudy, will try and catch a weather forecast on the news to see if its worth putting any washing on later.


    Took puppy for a walk at 7.30 and VM engineer arrived at 8am. He has now fixed the landline and gave us a new remote control for our tv :D


    I've had a text from a friend and she is coming round at 1pm, so I will walk the puppy again at 12. She's snoozing and snoring on her mat at the moment :)


    Had a wapp from DS who has arrived in us safely and he sent pictures of his room and the view which is spectacular. Hurricane news... it now seems it will hit orlando at the weekend :( so am keeping fingers crossed that they will all be safe and it wont ruin their holiday. Am staying updated with BBC news and various reports online.


    Plans for today - Weather permitting I will get some washing done and I want to clear the front garden, scrub the paving and remove weeds and wash down the upvc front door and wash the bay window.
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Hello, I hope your sun will avoid the horrid hurricane completely. It sounds like you have had a busy day!
    Aiming for a minimal spend 2022
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