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It's lovely to see Spring on the way at last!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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Hope you have a lovely weekend
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Thought I'd better post an update.
The weekend was lovely, I had the best weekend for a long time. Time spent with the kids and sorted out the garden, a trip to the garden centre and I have a few plants that I am hoping will take and look lovely once they are established.
Had a disaster last week with my lunches, but I'm determined that this week will be different. I will need to bring my lunches every day until the end of the month if I am going to hit my target.
I am supposed to be on a night out in London, Thursday of next week but it would mean that I would get to Waterloo about 8pm and would then need to get to where I am meeting my friends. So I have decided against it. It would cost me over £100 in train fare, drinks and a taxi home. So as I have booked the Friday off, I am going to use that day to blitz the house instead, windows open and music on.
DH has got a pay rise, that takes effect hopefully this month, its not massive but with what he pays out in pension that more or less covers it so no worse and no better off.
DH didn't get his expenses last month as they were in late, so he will have a bumper one this month. That'll help.
A few surveys have been done, just need to be able to cash out on them, a bit to go yet.
DS's parents evening tonight, I know it won't be a good one but I think he's turned a corner and I hope that this is realised by his teachers.
My six year plan is coming together, I will be the age that DH is now and I seriously want us to be in a better position by then. I will post it later once I have finalised it.0 -
Ooh, loving the idea of a 6 year planIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
I was once told that its a good idea to make a plan of where you want to be in 6 years from now. I was told that the plan should be no more than 5-6 items, any more than it is overwhelming and any less and you have nothing to aim for. I have done this most of my life, sometimes it works and sometimes 'life' gets in the way and the plan doesn't happen.
I have thought for sometime about where I want to be financially and I have made my plan and finalised it.- All annual bills paid in full each year
- All debt paid off – Aim 5 years
- Money in savings
- Overpay mortgage
- Budget better
DS will be coming up to 20 and DD will be coming up to 17 by then and I don't want this to carry on, I'd like for us to help them financially if and when they need it.
My personal six year plan is a lot different but moving house was on it and that has happened, so that is going the right way.0 -
That sounds like a great plan Purplemum and I'm sure it will help you to focus on your goals. The six year timescale seems realistic too.
I hope parents evening goes wellFinally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Glad you had a nice weekend. Love the 6 year plan"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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Morning,
I did an update the other day but my internet went down at work and I lost the blasted thing.
So Parent's evening for DS was horrendous, I could've cried. In all the years he's been at school, we've never had one this bad
No news on the company taking me on yet....I've done my 6 months, so I guess it is a wait and see...no rush for me, just wish to know that's all.
May's plan is going okay but could do better....story of my life eh?!
I was supposed to be going out tonight in London with some ex-colleagues but that is now not happening. In a way I'm glad, as by the time I get there it'll be 8pm and then another half an hour on the tube to the meeting place, a couple of drinks and then home, I can't justify spending nearly £100 for it. But as I am off on holiday tomorrow, I am going to get rid of the kids and hubby, open the windows, put War of the Worlds on and blitz the house instead
DH's expenses are due in tomorrow, he has two months worth due and they are sorely needed.
DD has her trial swimming lesson on Saturday, really hope she likes it.
DS's Cadets subs have been set up now, so I need to factor that in to the finances. DS had his Annual Inspection last night and was awarded his Leadership badge, he was so chuffed bless him
Nothing much else I can report. Will do my list for the flyladying tomorrow, so I have an angle of attack0 -
Monday - Spoil yourself - the boudoir!
]Your bedroom should be a clutter-free room in which to relax and recover. Hopefully waking up in a clean, tidy bedroom will give you the oomph to attack the rest of the house.
Level 1
Open the window
Strip the bed and wash the sheets
Clear the floor/chairdrobe
Take out any rubbish
Wipe sockets, switches and door handles with a just-damp cloth
Level 2
Dust/wipe/vacuum the bedframe inc headboard
Remake the bed
Open the window and wipe the frame
Clean the sill and window
Level 3
Dust everywhere
Sweep/wipe/mop floor
Clear out a drawer - even if it's just a little one in a bedside table
Extras
S&S kitchen
S&S bathroom
Mad half hour - work on a challenge OR batch bake/double up on a meal and freeze some - I am aware that some flyladies are really busy caring for others right now - see if you can free up some food prepping time by making a freezeable meal.
HHI
Tuesday Twinkles - Kitchen and Dining Room
Level 1
Clean table - don't forget the legs!
Wipe mats and/or change cloth
Wipe sockets and switches
Clear worktops and wipe down
Wipe kettle/clean toaster
Clean/wipe whatever lives on worktop
Put everything else away
Level 2
Clean drawer and cupboard fronts
Clear moulding/rotting furries from fridge and wipe out
Ungunge drain holes
If you've time remove shelves etc and wash out properly
Level 3
Wipe hob and oven
Sweep/vacuum/mop floor
Clean windows and wipe sills
Extras
peg out some washing
open some windows
HHI
S&S bathroom
If you've got littlies half term looms - make some plans
Wonderful Wednesday - hump day - and bathrooms
Level 1
Throw the windows wide open
If you have a shower curtain that can be machine washed get it in the machine and on the line to dry in the sunshine
If not - then wash towels/bathmats/facecloths
Flush the loo and fling some cleaner down
Scrub inside and out - don't forget the handles/buttons
Empty bathroom bins
Level 2
If you've an extractor fan get the vacuum on it - shift that dust
Scrub the bath/shower and polish the screen too
Polish taps and brightwork - don't forget hoses!
Level 3
Scrub the sink
Wipe and cupboard tops, doors, drawers and handles - don't forget the pull switch
Sweep/vacuum/mop floor
If you use anti mould/mildew spray spritz the grout with that (I just found one in Savers...I that shop) and leave to do its work!
Extras
HHI
S&S kitchen. My MAD half hour - challenge work OR pull some weeds or cut some grass or water some thirsty plants (as long as they're not being baked by the sun)
Have a lovely Wednesday x
Thursday Thrills - Love your Lounge
Level 1
Fling any carp
Wipe or vacuum upholstery - turn/rotate moveable seat pads
Plump cushions
With a just-damp cloth wipe light switches, handles and sockets
Level 2
Dust and polish all furniture
De-web
Level 3
Dust skirtings
Vacuum, sweep or mop floor
Extras
Check all smoke alarms are fully-functional
Make sure you know where your keys are to get out if you need to - and make sure any overnight guests know too - especially, if like mine, all your doors are key-locked.
S&S kitchen
S&S bathroom
HHI
MAD half hour - post what you do!0 -
Sorry about parents evening
Hope you hear soon about the job x"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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