Time to mend and make do, beg, borrow and barter.

troglodyte

Thank you Cheery! I just checked it out and read a few of her blog posts. Sounds right up my street - in fact I could have written several of those (like deciding what you want in life, saving money by substituting, re-thinking what you really need...) except of course she did write them, and I didn't. Mmmm, maybe I should get my finger out and actually write something too!

Pippilongstocking

beanielou wrote: »

I would sell them & put it to the OD.
No point in them sitting there doing nowt.
Just my opinion.

I am thinking of selling my old engagement ring.Pondering.

LOts of positive vibes for your wee maw.
MOre positive vibes for your wee doggie friend.
Take care of you too.
Hope you can get the bonus malarky sorted oot too. xx

Thank you me dear on all counts - what an utterly miserable day today. Bleurgh.

How are you feeling about letting go of that ring - I'd only do it if you'd not regret it later - I'm not sentimental as such but if you've not a huge heart tug for it, maybe its time? :A hugs lovely its a hard one.

Shares yes a much easier decision - seems sensible to just change effectively a piece of paper into something solid to reduce the debts.

Turns out I wasn't the only victim of garden-bonus-bouncing, our whole team were and we've taken it to our not quite new boss who's quite frankly furious.

:A

starnac wrote: »

Firstly I'd like to say that I think I would sell the shares too. It would make your short term circumstances much easier for you.

Secondly yay to TRG eating today :j

And lastly this....

This is lovely to read. The fact that you are struggling to think how you can improve on your life is a good struggle to have. You sound contented here :kisses3:

Aw thanks lovely on all accounts, he's officially got influenza A :eek: seemingly there's a good 40 cases of it around about. Maybe he didn't catch it at the airport after all. We've been very careful and the Dr thinks its unlikely to cause me ma any probs as I'd be showing signs by now......so I'm on for tomorrow but likely stay with an uninfected pal tonight just in case.

rtandon27 wrote: »

Since we are voting...

:rotfl::rotfl::rotfl:

I too would sell and pay off the debts (OD):D

xxx

Thirded so that's a majority so far :rotfl: the company are named after your homelands, I thought you'd be more sentimental :rotfl::rotfl:

Pippilongstocking

troglodyte wrote: »

OK call me slow but - what's UFM? I seem to have missed something somewhere.

And yes, I agree, right now there's no point worrying about debt if you can pay it off. Maybe the news came just now for a reason. I would sell the shares unless you think they are likely to rocket in value in the near future. Pay off the debt and then, whatever you would have paid in interest payments on that debt (did you say £20 a month?) you can feed that into some sort of investment instead.

:j Sorry for confusing you all CHEERY has sorted you out - I thought I'd said it. The shares are really middle of the road portfolio in a low risk so not really much in the way of variation in prices. It was £20 roughly a month on payments yes so once I'm sorted it all helps eh.

urg123 wrote: »

I thought it was just me as I've been out of the loop for a while !! Please do let me know - I hate feeling like I've missed out.

Re the shares - what kind of dividends have they given in the past? i.e. could they reasonably provide a little income?
Also, are you due dividends for over the years that you had the shares - what happened to these since you were 21?

Hey thankfully Cheery has saved the day. The shares turned up in a weird letter a while back I've had three statements and nothing much has changed tbh. Low value, low risk investment, relatively no movement, so not much to report. Since I was 21 so much has happened but not sure how much was share related :rotfl::rotfl::rotfl:

Cheery_Daff wrote: »

UFM is uber frugal month - a challenge being run on the Frugalwoods blog (just google Frugalwoods and it will come up). Pippi, Greying and I are all taking it, and probably others on here too

I do enjoy the way she writes Cheery and Trog agree there's a fair bit I knew and would have thought about and a wee few bits I'd not found solutions to, so I'm enjoying the thinking.

:A

Cheery_Daff

I went back and read the whole Frugalwoods blog from the beginning :eek: :rotfl: Excellent fun, so cheery to see them saving and saving and saving - and then finally buying their lovely big place out in the woods :j Inspiring stuff

Yesterday I was doing the exercises about where I wanted to be in 10 years or so - wouldn't it be lovely to have paid the mortgage off?? You know, that 25 year mortgage that we haven't technically taken out yet? :rotfl: Just had a play with the overpayment calculator and we can make it... if we OVERPAY by £1000 a month :eek: :rotfl: :rotfl:

Might need another plan Mr Cheery's going to have to write us a hit record or something

Poor old OH Sounds proper nasty! Also sounds sensible to stay in an uninfected zone tonight... xx

Pippilongstocking

Well Cheery - I'm approaching my 10 year MSE anniversary at the end of the month and its amazing how hard we've all worked and are finding our feet. And, therefore how long we've all been chums

I'm up for buying that hit record tell him to get a wriggle on.

Emailed share folks to find out HOW to sell/redeem them. I've less than 20 sitting at around £61 each - so we'll see. Its hardly high investment banking, but my 21 year old self obviously was looking out for future Pips. Jolly good.

SO tea was some leftovers - tatties and cabbage. Yummy it was too. Side of beans, and it was lush. DH had some leftover lamb ragu.

Lunch was leftover wing salad and flat bread. Miso soup. All grand.

Brekkie - porrige, what else I had it raw, couldnae be bothered to cook it. Lazy moo.

All from the stores.

£5.27 on the way home for supplies for the sick one, juice and some wee extras, poor fella.

So household spends are up to £66.44 my oh my what am I playing at. Although £30 of that is gas and £20 was cold meds/etc. so really really its **cough** only £16.44 on food but its only the 4th.

Some UFM (Uber Frugal Month) example I am..........:P although I promise to try harder, aside the spends for the sick one.

Picnic for the car packed from the stores, sticky toffee pud portioned up for mum'/bro - one in the freezer.

I've water and snacks in my bag for the hosp too. DH is in house isolation so I've just stayed home. But my bro offered me a bed - I am just a bit tired to do that tonight - checked the weather will manage the drive in the am and 'I-cannae-believe-I'm-up-o-clock'.

So not much UFM progress - although the email about 'How to stop impulse spending'

Essentially aside life and death meds (and juice and sweets today :P) you give yourself 72 hours cooling off period on spends.

Now I do this on larger spends - for a long time now. For food spends I don't. And, I know this is an area of fripperifoulourous spends for me.

Will try harder on this one from today apart from the poorly one's needs for swizzels.

No real gains on mend, make do, borrowing, begging, or bartering today, but that's OK it was first day back at work.



Smaller car packed for tomorrow - uses less petrol and wee mither is, erm, wee, so nae probs there. Tomorrow is free parking, free coffee and a free lunch, although as she has said, its not a cafe we'd LIKE to be going to for a free lunch, but for now, we'll rock up. The nurses are ace and the volunteers prolific with the cuppas and home bakes, lovely that they are.

Off to check the banks! Then its sleep time.

Pippilongstocking

£5.27 paid off the CC as the odds were bugging me. I've borrowed it from elder hounds budget this month, here's hoping he doesn't miss it. SO that's down to 1720.00 ace.

beanielou

Great.
The odds always bug me too.

rtandon27

Pips - yer green light is still on! - git yerself into bed woman or you'll be cursing those we hours of the morn more than you should!
xxx

troglodyte

Cheery_Daff wrote: »

I went back and read the whole Frugalwoods blog from the beginning :eek: :rotfl: Excellent fun, so cheery to see them saving and saving and saving - and then finally buying their lovely big place out in the woods :j Inspiring stuff

Yesterday I was doing the exercises about where I wanted to be in 10 years or so - wouldn't it be lovely to have paid the mortgage off?? You know, that 25 year mortgage that we haven't technically taken out yet? :rotfl: Just had a play with the overpayment calculator and we can make it... if we OVERPAY by £1000 a month :eek: :rotfl: :rotfl:

Wow, how long did it take to read the entire blog? I've just read three or four posts this morning and have already spent an hour that I should have been getting on with work! I did want to read some of the earlier posts though, to see how it all started.


On the mortgage front though- it's surprising how far you can get if you just keep chipping away at it, so don't give up!

Pippilongstocking

beanielou wrote: »

Great.
The odds always bug me too.

:j

rtandon27 wrote: »

Pips - yer green light is still on! - git yerself into bed woman or you'll be cursing those we hours of the morn more than you should!
xxx

IF you could have a word with hound senior my sleeping might be well improved!!! He had me up and down like a yoyo pesky mutt.

troglodyte wrote: »

Wow, how long did it take to read the entire blog? I've just read three or four posts this morning and have already spent an hour that I should have been getting on with work! I did want to read some of the earlier posts though, to see how it all started.


On the mortgage front though- it's surprising how far you can get if you just keep chipping away at it, so don't give up!

I was just wondering that - her articles are so good and very comprehensive.


Free wifi - woop. Mothers all plumbed in and first new treatment has gone well, this one is experimental but seemingly v effective. Next ones in a wee bit and she's napping.

:A

I blew £12.55 on mags from treat budget. All good things as these are agreed spends.

Amazing the amount of flu going around (not here thankfully) in our county is rampant. :eek: