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What small DFW things will you do w/c 25th March?
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Sanctioned_Parts_List wrote: »Morning all, hello from the sandpit. Summer is officially delayed, temperatures hovering in the mid-20s with rain showers. Obviously, nobody explained to the weather gods that the primary function of deserts is to be dry!
It's payslip day! My employer issues the payslips the day before the cash actually arrives. Unfortunately, my bank spoils all the fun by showing the inbound transfer 24 hours ahead of time. It's like getting unwrapped presents for Christmas.
The employer's mucking about with pension providers again. This means yet another pot, or another transfer with corresponding losses. Anyway, upped contributions from 8% to 10% from this month (company matched), so if I survive to retirement then I won't have to live on instant noodles and rainwater. Hopefully.
Otherwise, the plan's ticking along well. Nice not to have a credit card bill this monthDebts 14/6/2019 (LBM 5/3/2019)
Overdraft: [STRIKE]£900[/STRIKE]/£0:T Barclaycard: [STRIKE]£3755.55[/STRIKE]/£2859.42 Loan: [STRIKE]£21620.29[/STRIKE]/£17997.19
Total[STRIKE] £26275.84[/STRIKE] £20856.61 (REDUCED BY 20.62%)0 -
Morning frugal pals. Feels like a long week here, but on the home straight anyway. I've just spent a very satisfying half an hour with my label maker, some class jars and my herb and spices cupboard. I cook everything we eat from scratch so this is quite varied. I've now decanted several old plastic tubs the various things came in (and have been refilled several times) to glass jars. I still have some to go and our favourite coffee jars fit the purpose beautifully so will be swapping over some more throughout the year. Other smaller items will go in other jars. Looks lovely :T
I will also:
Put casserole on for tea in sc - done
Used last 4 mini sweet pot in ^^ - done
Check banking - done
Load of washing on - done
Hot drink for commute - ready
Vacuum through
Flylady bathroom
Pay a bill
Payday tomorrow, so do final shuffle of spare funds tonight to savings
Walk later for free exercise
Have a good day all. Purps.0 -
PipBoy and Sanctioned - you think you've got problems?? We run our own business, so I do my own payslips and transfer my own salary to the bank!!!
Today is my volunteering day. The risotto last night didn't use all of the chicken stock, so I'm using the rest this morning to make a flask of soup to take with me. Tea, coffee and bikkies are provided. Could be a busy day, as the forecast is lovely (I volunteer with a well-know heritage charity), but we're also a bit short-staffed.
Hoping I'll have enough energy left to get into the garage this evening - it's so close to being finished!! Once the walls are painted I'll re-stack all the shelving, then my way should be clear for painting the floor. I think I'm going to have to buy more floor paint - I thought I had some, but in all the sorting out and moving around of stuff I haven't come across it. Shame - but if that's all it's cost me to get a garage that I can actually use, it's not too bad.
The SpareRoom advert needs to be renewed, as it's been up a month. A couple of enquiries, but nothing that went anywhere (one who decided it was too expensive, and another who asked if it was still available but never got back to me when I said yes). I think I'll drop the price - it's the whole of my attic (bedroom, sitting room, shower room), and I have it on at £625 to make full use of the £7500 rent-a-room scheme. But I think I might have more success if I drop it below £600. Somehow £595 feels a lot cheaper than £625, although it's only £30. I'd rather have someone at £595 than no-one at £625!!
Right, best crack on.No longer a spouse, or trailing, but MSE won't allow me to change my username...0 -
trailingspouse wrote: »PipBoy and Sanctioned - you think you've got problems?? We run our own business, so I do my own payslips and transfer my own salary to the bank!!!0
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Hello Daffodils,
A bit of nice sunshine here. Might even get a little walky down the garden once I've finally finished all today's Big Budget Day tasks.
HK - Oh, I totally get the unhelpful cat thing.....one of our past cats once managed to drown my phone in a cup of piping hot coffee! The insurance people loved that one, but thankfully they paid out!
And today's frugal list:
*Reconciled March's budget - only one outstanding transaction to factor in.
*Set April's budget. It looks doable & I've recommenced monthly payments to those of our Savings Piggies which haven't had a top-up in a while.
*Input new monthly bill amounts onto my Excel spreadsheet. All have gone up except mmr f's professional association fees & our car service plan.....though this has only reduced through circumstance because our car was recalled for so long, it didn't require any servicing & so the monthly payments added up. Still, every little helps.
*Wrote up a new grocery budget tracker sheet for April (it lives in my diary).
*Paid CC bill in full.
*Read energy meters & uploaded onto our account.
*Was one of the lucky 200 people to receive a full-sized brand new Body Shop product to test before it goes on sale......just in return for an online review, that's all, so a nice surprise.
*Do meal plans for next week (next on the list, but need ore coffee first)
*Make tomorrow's packed lunch.
*Make fajhitas for tonight - will use some of the re-fried beans I batch-cooked in the slow cooker last week, some surplus peppers I sliced & froze & a round-up of salad in the fridge,home-grown frozen chillies, l/o tortilla wraps & last bit of cheese, etc. Will be cheap, filling & tasty.
*Water baby veggie seedlings.
*Check greenhouse seedlings too, to see if any are thirsty.
*Continue knitting Stash Busting Challenge Project #7 - a little cardi. Am halfway up the back already & would be further if I hadn't tried to knit while watching Danish subtitles, which resulted in 5 rows having to be frogged. Bah!
*Carry on reading my book (lent to me)
*Remembered to budget for treating nephews to some Easter choc - one wrote to me this week & very helpfully reminded me that it was 'nearly Easter egg time'.
I think that's it.....Oh actually, just a little bargainaceous thing to flag up.......for anyone who likes avocados but finds they can be a bit pricey.....I've been buying the M*rrison's Wonky Avocados recently. They come in a net bag priced at £2.40 & I was amazed to find that the bag we bought at the weekend contained an amazing ELEVEN avocados!! They mostly need ripening at home. I usually only have half a one a day, sliced onto my lunch, so this will keep me going for ages.
Right, must update my DFW diary now,
Cheers all,
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)0 -
Washing out again todayI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
No thanks need lovey, spotted these which might be of interest too
https://ounews.co/around-ou/tv-radio/blue-planet-live-bbc-ou-series-celebrates-marine-life-characters/
https://www.bhf.org.uk/starts-with-your-heart
Ziggy Thank you once again. We are recording The Blue Planet series, it is always useful to have material to support our learning.
We applied for the poster last week, awaiting it's arrival. It will complement our human body unit study.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family0 -
Good Afternoon everyone
Well it's been another gorgeous day here and boy does it lift the spirits. Spent a lovely afternoon chatting with DD. Today we have/will:
Gym/Rehab
Checked Bank & make PAD
Entered a few comps
Purged a few emails
Swagbucks
All meals from cupboards/fridge/freezer
Check: Lucky Bob, PMP, WinaDinner
Read Library Book
Dig out the knitting needles & wool
Have a great day!
C xGoodreads 2025 Challenge :16/75
Goodreads 2024 Challenge: 65/80
Goodreads 2023 Challenge: 77/520 -
Evening all
Nice day after the freezing fog first thing had cleared
Went to next town to the market this morning, bought veg for the week, £4 spent.
Started shopping list, may go tomorrow
Watered seedlings and other things that needed it, as it is quite dry, with no rain forecast for the foreseeable future, according to the BBC weather app on my phone, anyway
Heating on for a couple of hours first thing, but turned off as soon as it started to warm up. Stove alight now
RM surveys stuff done
A couple of online surveys also done
All food was from home
My brother turned up this afternoon, having walked from his workplace about 5 miles away. I don't know why he didn't either phone us for a lift, or get a bus. His car has blown up apparently, and bearing in mind he has never had it serviced in the 3 years he has owned it, he is probably right. I will need to lend him the money to buy another cheap car so that he can get to work. OH took him to a local dealer and he put a deposit down on one which should hopefully be MOT'd etc by sometime next week. Hopefully it won't be a dud :eek: In the meantime, he will have to stay here so that either OH or I can get him to and from work. He starts very earlySigh!
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Oh dear Dawn hope it's not too long until the car is ready. You are so good to your brother.
My list for today:
Check for washing, if any is needed pit on and peg outside, it's another lovely day
Put away some washing from yesterday
It's payday :j so big budget day and money shuffle
Cancelled a meeting so I can wfh
I do need to pop to town for a couple of items to collect
Something out of freezer for tea
Order chicken online
Quick triage of fridge before the weekend
Have a good day folks. Purps.0
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