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Finances are going ok, pretty much on track. Have been eating healthier, still room for improvement though!
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
If you stress how sore it is to be doing your normal job, could you get a few weeks of admin duty (every place I ever knew has some jobs that need doing). Now they would be really mean (possibly illegal) to pay you less. At best - you find a niche (eg review, ...) and get some experience or you realise you really really hate admin more than your actual job.
be careful though HR really don't like being played
Weight 17/01/2021:95.5kg - YTD: -1kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Steps >5000: 2/300
Debt 01/01/2021:-£107.5K - YTD (17/01): [email protected]%:{PDBX21 #26} £550/£12299 - {MFW21 #57} OP Pot: £2.7K/£102K
Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 (Repaid YTD): £1.8K
Had a pretty unspendy weekend; littlest was a bit poorly, so we hibernated. I let the other 4 invite a friend over each on Saturday, kept them all out of mischief and it was calmer with 9 kids in the house than it would have been with 5 bored ones! Today was a bit of a chore/homework day.
Will be weird tomorrow, I would usually be at work, so will have 8-6 child free... last week I didn't send them to their wrap round care as it seemed daft me being at home and not having them here, but actually it made them a bit 'it's so lovely coming straight home, why do you have to work....' etc. So, we've decided keeping them to their usual routine will be less disruptive or them until I get back to work :-(
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
I've been baking more, making banana bread, pizza dough etc.... the children have enjoyed this and have been getting involved too.
I should be able to do a bit more exercise after Wednesday as that's 2 weeks since my injury and the knee is feeling a bit easier and less swollen. I think I'll start taking short walks and build up, we have got an elliptical trainer, so that might be good too.
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
This was to cover phone (£10), bus pass (£12, but not necessary, they could walk or bike), snacks at school (we give them each a big lunchbox, so not necessary either) and spending money. We buy all the clothes they need, but designer gear, they have to contribute!
Child no.2 has embraced the whole thing and apart from his phone, has been saving or spending the rest, but staying within his new means.
Child no.1 is constantly whining about being skint 'my friends get this, my friends get that'. Today's argument was she didn't want to walk to school, but didn't want to waste her money on the bus and that I should pay for it as it was my fault for buying a house so far from school. Yawn.
The constant battles are draining, I told her this morning, that every time she moaned and was ungrateful, I'd deduct £5 off the next month's amount. I suggested she get a paper round like both me and my husband did at her age, the look on her face was hilarious. Not quite sure why she's so entitled, our others aren't. Maybe it's a teenage girl thing?
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
I've just completed my tax return for 2017/2018 and I now owe £600. Doh. Usually I just use savings or a month's surplus money to cover it. This year, all our savings went on the build, so I'll have to pay it out of my January pay back, so we won't be paying anything much above minimum payments next month. Sad times
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
Nope it is not a teenage girl thing. Not sure how old your daughter is but my two girls were out working at 16, waitressing, cleaning, shopwork. The elder one did a paper round for a while too. We made it very clear that if they wanted extra money for going out, clothes etc etc then they needed to earn it. They had allowances from 13 though and the only thing we bought for them was school uniform and school shoes. Clothes, entertainment and 50% of school trips had to come from their money and it really focused their minds on the difference between wants and needs especially as we were strict on not lending them money if they ran out half way through the month. Good life lesson for teenagers I think.
If this is something new for your daughter I daresay it will take a few months for her to adjust but I had to laugh when you said you will deduct £5 for moaning. That is a good idea actually. If she is the type of child who does feel entitled (could be the kids she mixes with are very rich?) then you are really doing her a favour by making her realise that money does not grow on trees.
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I have a sneaking suspicion we've spoilt her a bit and now we're paying the price in having to reeducate her expectations... the younger ones will hopefully learn at the same time!
I resisted the urge to meet a friend for lunch today, instead she's coming round here :-)
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to [email protected]