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How awful to have your employee steal from you
glad you have found new staff. Well done on the weight loss :T:T:T
Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20220 -
Have read your diary, so impressive. Awful about your emloyee, I cannot fathom how stealing x amount is worth loosing a job over, as well as all the other implications that come with it, shocking! I really hope these new ladies will be just what you need!
JodlesMFW2020 #115 250/3000 J-250
1% challenge- /1525Save 1k in 2020- /3000
Joining in UberFrugalMonthChallenge set up by the Frugalwoods!
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Hi MFD & Jodles, thanks for dropping by. Yes it was awful and I am still getting a few muttered comments from her family members as though I am in the wrong somehow. I have risen above it as I am trying to be the bigger person but I am assuming she has spun a tale about me being horrible and forcing her to leave :mad:.
On the plus side, new ladies are lovely and are doing well. Thanks for asking.
I've been missing in action a bit lately. Plans seem to be trundling along nicely, still OPing a regular amount each month, although ad-hoc OPs have stopped for now as we wait to ensure new business is doing ok and looking secure. So far so good.
I have booked most of this week off for half term with the children. I have asked them to come up with ideas regarding what they would like to do. Their suggestions have mostly been bike rides, walks and swimming which sound perfect (and cheap!!). It's a lovely day today so taking DS for a haircut, quick stop at the wholesalers (self employed - never truly "off work") then we will get outside in the sunshine. Happy days.
Online shop is arriving this afternoon, going to make some sort of veggie bake today to empty the fridge of the random bits of veg languishing there from last week. My diet hasn't been great this weekend so must try to pull it back before weigh in on Thursday!
Right, better get organised! Have a lovely day everyone.New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 20250 -
Your half term plans sound lovely (and thrifty). You can't put a price on family time:D. My kids are grown up now but it's those things they remember , not the spendy ones:)
Hope you've had a lovely week.Original mortgage £112,000 . Final payment due August 2027.
Mortgage neutral achieved August 2020 - 7 years early!!!0 -
Hi Pinky, we had a lovely week thank you, hope you enjoyed a nice break too. Back to reality today though!
Half term has been and gone, very cheaply though. Most of the week we were at home and out and about in the village/at the farm (Mum & Dad's). It was mostly a lovely week weather wise so we played on the park, rode bikes, went for crunchy autumn walks with my sisters and had a picnic. Fab.
This weekend we travelled down to my Aunt & Uncle's in Woking. They have just bought a huuuge house (6 main bedrooms plus servants quarters) that they are about to renovate. It was fascinating to look round as it has not been touched for 50 years or so. I had major house envy, although, I wouldn't like to be paying for the renovations, initial estimates are around £600k :eek:.
We spent Saturday at Legoland which was hideously overpriced (even with the half-price offer from the cereal boxes) and bl**dy freezing!! The kids enjoyed it though, that's the main thing.
I took yesterday off work as children were on INSET so spent the day washing and getting organised for back to school. All with both fires roaring as it was really cold out. Defrosted some YS stewing steak and cooked slowly with loads of veg to make stew. I had added so much veg that there was no room for potatoes/dumplings. So I fished out half of the meat/veg mix and froze as a base for another stew in a few weeks then added more stock and loads of potatoes (my fave) and lots of lovely dumplings. It was delicious and perfect on such a cold day plus there is enough for tonight and another full stew with the frozen half.
This morning I have had OOD brown bread (toasted) with beans. I've brought with me a salad made from past-it's-best lettuce, last of the tomatoes, OOD beetroot, a bit of ham and two eggs that didn't make it into the egg mayo sarnies for the journey south on Friday. Healthy and nothing wasted.
Right, I suppose I had better get on with some work...!
In other news, the heating had to go on yesterday. Its programmed for just an hour either end of the day. Don't need it much in the evening as we light the woodburner and the ESSE as soon as we get in so the house soon gets warm but its so nice to come in to a warm house in the first place.New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 20250 -
Finished work for the week, happy days, and a shiny new month begins today.
Starting the month surprisingly solvent considering DH has been paid all of about £1100 since June! His new business owes him a small fortune. I'm planning on starting to pay him weekly from next week and add in extra back-pay too as he is really busy and I'm invoicing lots. Bless him, he is working very hard to keep up with his orders, he's a good 'un.
Just checked the mortgage/business loan balances (still annoyed that I can only see an overall balance on T5B and not any details on interest etc) and we owe a combined total of £203 284.60. Our regular payments & overpayments should bring this down to a shade over £200 300 by the end of the year. So my goal of being under £200k is not too far out after all.Must try to find this, perhaps from DH back-pay?
I'm very conscious now we are in November that I must get on with some Christmas shopping. I have a few ideas for the kids but nieces and nephews are a nightmare to buy for. I keep putting it off but I must make a start! I have also got my Nephews christening and first birthday on the same weekend mid-November so need some inspo for that too!! Arghhh. Im useless. :rotfl:
In other news:
Went boxing again with sis-in-law last night. Not aching so much this week so must be getting better/fitter.
Been lovely and cosy at home this week with CH on for a short time each day but mainly due to the woodburner and ESSE being lit every day. Very toasty and great for drying washing.
Eaten cheaply all week. Stew was lovely in the colder weather and did about 3 days and my lunch just now :rotfl:. Sandwiches last night as all out and about (trick or treating/boxing). Lunches have all been home made.
Planning a nice dinner tonight of HM low fat burgers on brioche with HM slimming world chips (love them) and salad. May have a glass of rose to accompany.
Got a spare hour and half now to get the house lovely and tidy (and half cleaned) with the fires lit before collecting children. Better get on with it!xNew Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 20250 -
I tried to post an update on Monday but I lost my post - twice - so I gave up :mad:
Anyway, we had a lovely cheap weekend with lots of outdoor family time which was great. Lots of jobs done too including a serious clear out in the front garden which was long overdue but looks sooo much better now.
I have been looking into the best current account switch deals to earn some cashback on DHs unused account. We pay all DDs from my (cashback) account so DHs old account is unused. There aren't really any good deals around for cash, lots offer gifts or vouchers but often they're not something I would use, however, I found a deal on Nat*onwide which gave 5% interest on balances up to £2500 and had a recommend a friend to switch incentive of £100 each. So I have opened myself a new account with them (for the interest) then I will recommend DH so we both get the £100 and will have £5k of high interest savings potential.
The only issue is the T&Cs state that the switching account must have at least two active DDs so I have contacted United Util to swap the DD to DHs account and re-instated his HL S&S ISA monthly savings payment which goes out by DD to meet the criteria! A small job to earn £200.
It has been my one year anniversary of my diary this week which prompted me to look back. I found that we have paid £13500 off the capital in the past 18 months alone, which equates to a capital reduction of £750 per month. Considering our normal capital + interest payment is only £618 per month, this isn't bad!! I am especially chuffed as in that time we have refurbished the shop and invested heavily in a new business (which is still not paying it's own way). All the money saving bits, such as faffing around opening new accounts etc, do add up to a huge saving over time. I must keep going, even if DH thinks i'm mad.
New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 20250 -
Happy diary anniversary WF :j:j:)Original mortgage £112,000 . Final payment due August 2027.
Mortgage neutral achieved August 2020 - 7 years early!!!0 -
Thank you PP! :beer:
I must confess to a very non-MSE day yesterday. :rotfl:
We were celebrating the fact that our new venture is finally in the black and DHs first proper pay hit the bank this morning! How exciting! The company is paying him 40% more than he used to earn from his Dad (although that was a miserable wage -families!) so we should start to feel much better off. I managed to liberate a couple of thousand of our savings that we had ploughed in too, so the (personal) accounts look much better. Come December things should look really healthy according to my cash-flow projections (more lovely spreadsheets) so we can really start to pay ourselves back hopefully.
Anyway, yesterday was a day to celebrate. I had my nails done (gel polish) then DH returned with a bunch of flowers for me. Finally, we went out to a local pub that has just won a michelin star. This was booked a few weeks ago but happily coincided with yesterday.
TBH, we both had 3 courses, with a side dish to share. We had a bottle of wine, water and DH had a beer. The bill was £100. I think that was really quite reasonable for a starred restaurant. I was expecting the damage to be much greater. And to top it off the food was exquisite, absolutely beautiful. We had a fab night and it was such a lovely treat.
Back to MSE reality this morning though! Meal plan done and shopping list planned. I've used up pretty much the entire contents of the fridge and hardly any waste at all this week. The last food shop I did was 11 days ago so we have lasted pretty well and have eaten quite a few bits from the freezer. I am planning to batch cook some meals for lunches to try to stop me grazing my way around the shop
I am terrible, there's just so much temptation in front of me! :rotfl:
So this morning is a spot of housework, shopping then helping DH at work for a couple of hours. Dinner will be chicken fajitas and salad (wraps need using up) and possibly nachos too (ditto the tortilla chips!). Yum. Happy Friday folks!New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 20250 -
Congratulations Woodfired! :TThat is great news about your DH's business and I think you are absolutely right to mark the occasion and celebrate. You actually managed to do so without spending too much. I have been in a similar situation recently of getting involved in a sideline business with a friend, which initially cost a bit and is now just breaking even but if it gets to the point where I can recoup what I put in (a couple of thousand) and make an actual profit, I will definitely be going out to celebrate! :beer:Mortgage November 2016- €202,000
Mortgage November 2018- €161,5000
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