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£67,031.92 is a frightening number indeed....
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Week 37: Day 5
Thanks for the pompoms yesterday, I'm pleased to have a chunk of money to decide what to do with. I think paying off the MBNA is probably the way forward, although haven't had a chance to talk to DH about it yet, which I should probably do.
Meeting a friend at a local forest with the DCs later, taking packed lunches and snacks to keep it cheap, although the cafe does the best rice crispie cakes in the world, so will probably have to buy one(they are so huge that we share two between four of us, so totally MS, right?).
Did a business plan for my website/main business yesterday which is both great, as I think what I want to do is achievable, and terrifying, as it's going to be a lot of work to get the momentum going on it.
I have a massive list of things to get through before the end of the month, which is horrifying me slightly, and I have clients booked all weekend (two of them non-paying, as it's for a professional assessment, which is annoying but unavoidable and only needs to be done every three years) so not a lot of time to catch up with things. I do also have two provisional bookings for the next couple of weeks, both of which I'm hoping will be paid imminently.
To do today
1. more laundry.
2. packed lunches for DC and me.
3. prep dinner before we go out (surely there must be something in the freezer, it's full to bursting!)
4. pack orders for smaller business.
5. menu plan and shopping list for rest of week.
6. food shopping.
7. make my to do list shrink from 39 things!
To do this week
1. Return/renew library ebooks.
2. Declutter a couple of rooms in the house (preferably dining room and DC bedroom) - want to get all of them cleared again before December, the clutter has built up while I've been so mad with work.
To do this month
1. keep the total spend for the month below £3,500. Well on track for this (around £3,100 expected), although haven't added to savings pots this month.
2. work a sensible number of hours, even if it means slower progress on the work and debt front. September was rubbish. This is going well so far.
3. make any homemade Christmas gifts. I think things like candles and knitting will have to carry over into November. Where did this month go?Trying to figure out a whole new life. Trying to figure out a whole new budget.
Divorcing, unclear on final debt total right now, but focusing on building a financial buffer zone.0 -
I have also missed your early morning posts. I would like to add my pom poms too!CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420
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I'm impressed with the reduction in your Christmas budget! The number we have to buy for is much smaller, we have 1 child, we are not catering for anyone this year or buying decorations and will spend around £450 and about £150 in vouchers!
With the back pay, either using it to clear the card or using it to pay for Christmas are both good ideas. If you can't clear the new spending before it start's bearing interest will the net effect not be the same? I would opt for the one that gives you the most satisfaction.
Pom poms from me too :jSave £10,500 - £2673.77 - 25.5%
Pay off £7000 - £1743 - 19.4%
Make £2021 extra income - £99.750 -
Whilst buying the rice Krispies cake, just casually ask how they are made. Then you could take your own next time that taste just as good. Have a good day, M2m.Frugal Living Challenge 2025.0
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I have also missed your early morning posts. I would like to add my pom poms too!
Ditto!
Also agree that Cubria Lass makes a lot of sense - why pay interest when you can do away with it. :DXI 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 unhappy0 -
I'd pay off the card too - 1 less to think about and you still have time to get xmas budget together.0
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Another vote for paying off the card. Seems silly to keep it around when you have the money to pay it, plus it'll be an awesome feeling to be done with it.Debt Totals July 2019::
[STRIKE]£350 Natwest Credit Card [/STRIKE]/ ]Now £0 (paid off and closed 04/2017) £15,500 postgrad loan from parents/ Now £7,000 £5,000 sister loan/ Now £0[STRIKE]£500 train ticket loan from parents [/STRIKE]/ Now £0 (paid off 16/02/18)[STRIKE]£2,000 Overdraft[/STRIKE] Now £0 (paid off 09/03/18) £1,967.83 Barclays 0% card Now £0 Total £7,0000 -
Well I'm giving myself a pat on the back today. Started the day with a to do list of 39 items, which actually went up to 45 items once I discovered a few more urgent jobs that needed doing, and having gone at it all day, I have the list down to a really pretty modest seven items, one of which I need to delegate to DH (paying the MBNA card - he has the login details and I don't). The house is a total pigsty, which is a little alarming, but that list of work/life admin and other things was hanging over me so much, so i'm just pleased to have done with it. Of course, there are new jobs to add tomorrow, but nothing like as epic as the backlog of undone jobs which has been hanging over me.
Lots of baking and tidying planned for tomorrow before a weekend of clients. Fingers crossed I can rope the DC into either biscuit baking or hoovering!
DH is checking out the recycling price of my old phone - it says £125, but it's so knackered that I can't believe it will be anything like that. Even if it's £25 it's free money though.
To do today
1. more laundry. Done.
2. packed lunches for DC and me. Done.
3. prep dinner before we go out (surely there must be something in the freezer, it's full to bursting!). Done. Surprising lack of main meals in the freezer for future days though.
4. pack orders for smaller business. Done.
5. menu plan and shopping list for rest of week. Done.
6. food shopping. Done, for the princely sum of £14 (we didn't need much, I hasten to add).
7. make my to do list shrink from 39 things! Done! Hurrah!
To do this week
1. Return/renew library ebooks. Done.
2. Declutter a couple of rooms in the house (preferably dining room and DC bedroom) - want to get all of them cleared again before December, the clutter has built up while I've been so mad with work.
To do this month
1. keep the total spend for the month below £3,500. Well on track for this (around £3,100 expected), although haven't added to savings pots this month.
2. work a sensible number of hours, even if it means slower progress on the work and debt front. September was rubbish. This is going well so far.
3. make any homemade Christmas gifts. I think things like candles and knitting will have to carry over into November. Where did this month go?Trying to figure out a whole new life. Trying to figure out a whole new budget.
Divorcing, unclear on final debt total right now, but focusing on building a financial buffer zone.0 -
Week 37: Day 6
Morning! Had a long chat with DH last night - he does this thing every now and again where he says I'm doing too much and 'need' to slow down. I point out that I would love to slow down (a bit. I'm never going to be a first gear person), but actually if we want to pay the debt and we want to do the extension and we want to maintain aspects of the lifestyle we have (ie eating nicely, having a nice living space), that slowing down isn't an option. We go through the things I do each day, he eventually agrees that there isn't a logical solution apart from continuing, and we carry on our merry way. Although we did come to the conclusion that we need to arrange a breakfast rota with the DC, as they currently eat three different cooked breakfasts every day (porridge, french toast with stewed apples and a boiled egg and/or toast) and it's a little mad making that every morning. We have decided we'll agree a breakfast rota in advance so they know what to expect each day. I also notice that he has done a load of tidying up last night after I went to bed, which is always nice - sometimes I think he wants me to slow down as it makes him look bad!
Waiting to hear from the mortgage broker about the remortgage. I kind of daren't get my hopes up about it, as it would be so life changingly positive to have it go through. We'll see what happens.
To do today
1. laundry (again).
2. ironing (as always)
3. make biscuits for clients
4. make soup for clients
5. make sourdough
6. tidy downstairs of house ready for clients.
7. paint my nails (yay for gel lamp!).
8. clear the other bits on my list (haven't counted, but it's definitely less than 39).
To do this week
1. Return/renew library ebooks. Done.
2. Declutter a couple of rooms in the house (preferably dining room and DC bedroom) - want to get all of them cleared again before December, the clutter has built up while I've been so mad with work.
To do this month
1. keep the total spend for the month below £3,500. Well on track for this (around £3,100 expected), although haven't added to savings pots this month.
2. work a sensible number of hours, even if it means slower progress on the work and debt front. September was rubbish. This is going well so far.
3. make any homemade Christmas gifts. I think things like candles and knitting will have to carry over into November. Where did this month go?Trying to figure out a whole new life. Trying to figure out a whole new budget.
Divorcing, unclear on final debt total right now, but focusing on building a financial buffer zone.0 -
Treadingonplaymobil wrote: »Week 37: Day 6
Morning! Had a long chat with DH last night - he does this thing every now and again where he says I'm doing too much and 'need' to slow down. I point out that I would love to slow down (a bit. I'm never going to be a first gear person), but actually if we want to pay the debt and we want to do the extension and we want to maintain aspects of the lifestyle we have (ie eating nicely, having a nice living space), that slowing down isn't an option. We go through the things I do each day, he eventually agrees that there isn't a logical solution apart from continuing, and we carry on our merry way. Although we did come to the conclusion that we need to arrange a breakfast rota with the DC, as they currently eat three different cooked breakfasts every day (porridge, french toast with stewed apples and a boiled egg and/or toast) and it's a little mad making that every morning. We have decided we'll agree a breakfast rota in advance so they know what to expect each day. I also notice that he has done a load of tidying up last night after I went to bed, which is always nice - sometimes I think he wants me to slow down as it makes him look bad!
That breakfast arrangement is absolutely bonkers, and I mean that in the fondest way possible. I want to come and live in your house.
Also, your DH sounds like a sweetheart. You do do an awful lot, but I know exactly what you mean. I came to this same conclusion last year, that literally every time saving thing I could think of, irrespective of cost, would materially decrease our standard of living. Should I stop exercising? Stop cooking from scratch? Stop spending time with my kids? Stop gardening? Give up the chickens? All of it makes for a nice life. But it does get exhausting!MFW diary here. 1 Feb 2017 $229,371 - MFD Feb 2043 :eek: aiming for May 2028
14 August 2017 - Refinanced: $220,000
January 2019 $211,580 Current MFD 31 June 20360
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