Spend Nowt, Buy Nowt, Owe Nowt

apple_muncher

My dd has been skipping in to school this year. She was telling me yesterday how much she enjoys it and tha the last time she felt like this was back in y2. She's now y6! She moved classes at the end of y4 and struggled with a negative teacher last year (she wasn't the only one). She absolutely adores her y6 teacher.


And it warms my heart every single day that I take her to school and she runs in.


How our kids feel has such an impact on us!


And DH enjoying what he does is another boon to the well-being of all of you.

XSpender

It certainly is a weight off my mind Apple, I am so glad we made the decision to change his school last October. I am pleased that your daughter is enjoying her new class too.

With everything falling into place I will soon be worrying I have nothing to worry about :rotfl:

The valuer has been today and was very thorough in his inspection: eek: Work have also completed the reference the mortgage company requested. Fingers crossed for a mortgage offer by the end of next week.

My veg box arrived with a lovely card from the owner welcoming me back which was very thoughtful. Everything looks gorgeous and I chose the right sized box as we will easily get through it this week and there are no wierdos in it I also spent £51.71 in Mr T after using an £8 voucher but this included 3 6 packs of isotonic gels for our long distance walk and training which were £4 each instead of £6. I never used anything like this when I ran the marathon but the Going for 18 miles on the flat on Sunday!!

£2.20 refund to the LL0yds CC from wilk0s as I exchanged the curtain rings I bought for smaller ones and bought some pain killers, also for the walk. I want to rehang the curtains in the breakfast room as they were made too wide and do not hang well with a standard number of curtain rings.

I am reading museumworkers MFW diary and have found a site and free cookbook she mentioned called Tiny Budget which has some cheap and lovely looking recipes which I will investigate for the week after next meal plan.

I am really looking forward to this weekend and spending some time with DH as we rarely go out on our own or spend a whole day together without DS and we are doing both this weekend

brizzlegirl

Have a fab weekend x

XSpender

We had a lovely weekend thank you. A cheap night out and an epic walk. DH said such lovely words to me on our anniversary it made me cry :kisses2:

The walk was tough but I did not fuel myself properly for it and this had an impact on how hard I found it. I am planning a daily walk with the dog and 1 if not 2 swimming sessions this week to keep me flexible.

DH finished decorating the bedroom, cleaned the carpet and erected the bed. We ran out of time to clean the other bedroom carpet and put up that bed so we are in a bit more of a mess than when we started! The bedroom looks lovely and I am glad I didn't order the blind as I was going for navy but need a much lighter colour.

Funds are low but everything is budgeted for, we still haven't used a CC this month and have paid £839.18 net off our debt and probably the same or a bit more off the mortgage. No news on the re-mortgage offer yet. I have opened a regular saver with Ll0yd5 but am planning to move to HSBC when the mortgage has completed for the £200 and the 5% regular saver as this will be where we save our Sh*t Happens Fund.

I had another 'reaction' on Saturday and a separate one on another body part on Sunday. Dr google has given me some ideas about what it might be and if it continues this week I will make a Dr appointment. It isn't anything serious. DH did mention inflammation and I had a bit of an ahhhahh moment. I remembered that there is an anti-inflammatory diet so have been researching this all weekend and have decided this is how I want to eat going forward as it just makes sense with how I feel when I eat certain things. It fits the way I want to eat (but don't consistently:o) and is a normal, healthy diet, nothing faddy. I don't even have to make any adjustments for being coeliac.

Half the contents of the organic veg box have been eaten already and I have ordered another for Friday. May add some spinach for smoothies.

Our washing machine leaked on Saturday morning and I was expecting to have to go buy another one on the CC. I was annoyed as I thought if it happened after the re-mortgage I would have a fund for this DH discovered a loose pipe but you have never seen plumbing pipes clogged with so many years of gunk; disgusting, no wonder our washer is a bit smelly if you leave the door closed and no amount of vinegar or commercial cleaners shifts it. We will need to buy a new u bend bit as the seal has perished before DH can put it back together and we ran out of time this weekend. Thank gawd I had done DH shirts and DS uniform before we took it apart.

A quiet work week as I am at home for most of it but another busy weekend. DH is at work half of Saturday and DS is at training Sunday and we somehow need to fit in another big walk and put the bedrooms back together and I want to do some batch cooking. DH has requested 'ready meals' for work instead of sandwiches so I want to make some rather than buy them and make some soups for me. DH is working long hours and is so tired when he gets in we are not getting much done on a night so everything piles into the weekend.

I feel a list coming on to see what I can get done while at home.;)

XSpender

More hoops to jump through for the mortgage company who want another 2 years proof of my income. I managed to track down the company who took over our IP and they have confirmed our IVA was completed but it was so long ago they have destroyed all the paperwork in line with the DPA. They were very helpful and quick to respond though.

I am beginning to wonder if we ever received the completion statement back from the broker last time as I can't see how I wouldn't have kept it safe when I've got pension info over 20 years old and can put my hand on all our other important paperwork.

The lad managing our application hasn't even bothered to check our old file, he better get his finger out as they are earning £1300 commission for arranging my mortgage :mad: I'm getting stressed out about the mortgage not going through as things are going to be tight as it is next month.

I haven't got a lot on tomorrow so I am going to do my CV. A colleague told me about a conversation at a meeting I was unable to attend last week where a manager let slip a comment that leads us to believe our contract with the client may not be renewed and may end at the end of the year. I was hoping to wait a bit longer but I think it is worth putting my CV out there now without actively looking although if I see something of interest I will apply as I do get vacancies daily from linked in and some agencies.

Omelette for tea using up some of the mushrooms from the box as we have another lot due in Friday's and I don't really like them. I haven't eaten so well today due to stressing over the mortgage and my job

Treadingonplaymobil

I feel your pain - our remortgage took a ridiculous 3.5 months to set up (we ended up on the SVR for 2 months I think), so you might want to consider the chance that it won't be set up for next month. It's so irritating I know.

Good luck with working on your CV!

XSpender

Treadingonplaymobil wrote: »

I feel your pain - our remortgage took a ridiculous 3.5 months to set up (we ended up on the SVR for 2 months I think), so you might want to consider the chance that it won't be set up for next month. It's so irritating I know.

Good luck with working on your CV!

That's a long time to get a re-mortgage sorted. We went on to the SVR the month after DH lost his job as we were in the middle of re-mortgaging when it happened. We are 4 weeks in now and they said this lender is quick, about 8 weeks, but I expect that is from when the offer is made. The only issue I can see is if the mortgage valuation is lower or we can't provide the proof on the IVA they need.

We had already budgeted to pay everything in October and I expect we will have to pay November as well. It is going to be tight but it will mean there will be another £800 or so left over from the advance which can go in the emergency pot.

DH is adamant that we focus on saving up our big emergency pot, I'm not convinced he realises what cutting back to do it will mean in reality though.

XSpender

Blowing a hooligan here today with trees down all over including the one in our garden, luckily it hasn't taken the shed with it, just a bit of the trim

Had a chat with DH about re-mortgage plans in case the worst happens to my job (would know September if ends December) and we agreed that it is still the best thing to do. The monthly payment will not be that much different doing the consolidation or refinancing the current balance but our total outgoings will be significantly reduced. Redeployment rather than redundancy is more likely and we will have some savings (not much) by then to fall back on.

CV has been updated and I have registered with a couple of agencies. CV could still do with some work but at least it is out there. I need to update my linked in profile as a couple of colleagues have been approached for new roles this way recently. Not very clued up on linked in TBH.

Totted up the food spends for this week after buying spinach, feta, dark chocolate and garlic butter this morning and we are running at £77.43 which is about a C+, could do better. There is still this week's veg box to add which comes out of the bank tomorrow before the food budget starts again on Friday. DH said he was starving today and was going to buy something from the shop even though he had substantial leftovers from home so this will be another spend to add. He needs to get into the habit of eating breakfast again or I need to make him sandwiches and leftovers or both! to avoid the shops.

I'm using the courgettes from the box and the feta to make a new pasta sauce for tea tonight. The garlic butter is to make some HM garlic bread fingers.

Also bought stamps to post requested info to mortgage broker and got a £2 coin to add to my holiday savings.

Thistlewhistle

Frustrating news on the mortgage XSpender. Hard to see what they actually do to warrant such an exorbitant commission too.


I got told I couldn't afford my mortgage when I applied for a rate reduction. This was in spite of me overpaying by £200 per month for the previous 4 years. They make it up sometimes!


T:)

Treadingonplaymobil

Good luck with finding some new work options XS .