Spend Nowt, Buy Nowt, Owe Nowt

enthusiasticsaver

Well done. A great compromise without spending a fortune.

XSpender

Thanks all. I keep having a look in the room as it is such a transformation from before We only need a bedding set ( due to size) which I will pick up at Asda on Friday or might have a look in wilcos as there is a big one near us.

I will be working in there today as DH has arranged to have 2 carpets cleaned this morning. One is living room/dining room (where I normally work) and the other is DS room where the dog had an accident (just after it was laid 14 months ago:mad:) and the vax isn't shifting it.

At lunch time I am picking up some new PE shorts for DS as his have gone missing somewhere in the house but we cant find them anywhere.

XSpender

I've had a rethink about the bedding situation.:think:

As the double bed in the revamped room is going in the guest-room-with-the-plaster problem there is no point buying double bedding to co-ordinate with the pinkish paper.

Our old king size bed frame will be going into the revamped room once our new bed frame arrives so if I buy a king size duvet at Asda instead of double bedding I can re use an old set of king size pinkish bedding we already own in this room. An extra pillowcase (to cover the stained seat pad on the wicker chair) and a cheap pink cushion and its all done

Suffolk_lass

Well done! And I bet you feel really motivated after such a constructive compromise. Way to go!

XSpender

Suffolk_lass wrote: »

Well done! And I bet you feel really motivated after such a constructive compromise. Way to go!

I do indeed Suffolk lass I am going to see if I have a spare pillowcase to use on the chair and may use a patterned seat pad as a cushion to save a bit more.

In other news DS may be ending his swimming lessons earlier than expected as they have moved the classes around and he is now in a class with almost non-swimmers. The instructor says he is close to his final certificate and shouldn't need another block but as the next block is due next week I can't see her passing him then but I am not paying for lessons when he is standing around while she instructs the non swimmers. Once he finishes it will be another £50/month towards the debt

The refund for the wallpaper has finally hit the Lloyds CC account which has reduced the balance by £86

Pay day for me tomorrow which means I can get all my budgets organised in YNAB

Treadingonplaymobil

It's great when you get a 'win' like you did yesterday - really motivates you to keep going with it when you realise you can actually manage to do it on a budget. Hope today is as good!

XSpender

Carpet cleaner did a really good job on the carpets yesterday and it showed how many years of life there is in the living room/dining room carpet that would get chopped up if we put the wall back up within the next year or 2.


Only problem was he managed to shear off a big chunk of the bottom of one of the newel posts on the banister.:mad: I didn't notice until yesterday evening but DH has glued it back on and it should be OK once he touches it up with gloss paint.


DH brought his 2018 bonus structure home yesterday. If he hits his annual target he can earn an extra 122% of his basic salary which is achievable and DH is super motivated to do this:eek: If he massively overachieves he can earn up to an additional 152% :eek: Although we feel this figure is not easily achievable there are increments in between the 2 figures.


If we focus on paying the debt down with the bonuses in 2018 we could actually be debt free by the middle of 2019. I am being cautious about this as it is such a lot of money and don't want to count our chickens before they hatch :cool: The first big pay out would be received at the end of April.

enthusiasticsaver

Paying a big chunk off the debt by using bonuses on top of monthly payments would certainly help your remortgage options. I would aim to pay off as much as possible to get a lower rate than you have now. £1600+ per month for your mortgage is huge so a lower rate will bring that down making it more affordable.

Once that is sorted you may be in a better position.

Treadingonplaymobil

Well personally I think the charitable thing to do would be to share your DH’s bonuses out with your lovely MSE friends :rotfl:

XSpender

Treadingonplaymobil wrote: »

Well personally I think the charitable thing to do would be to share your DH’s bonuses out with your lovely MSE friends :rotfl:

:rotfl: Keeping DH from wanting to spend, spend, spend will be a challenge in itself!