New Empty Nest Mum starts battle of mortgage ...

shopaholicnumber1

Thanks Paddy! Totally know what you mean about the longer term plan! Just keep plodding!

longway2go

Hey,

Hope you are having a good weekend.

In relation to ynab I have had a look at some videos on YouTube which has been really helpful and think you can live chat via the help function which might help.

shopaholicnumber1

Thanks lwtg - I'll check them out as still confused - have abandoned it for now as the bill is due next week so will see what happens when it's paid!

Had a good weekend too. Took a trip to a new house shop that's opened near me. In the old days I would have done some serious damage to the credit card but I resisted and didn't buy a single thing! Was so tempting though! So despite the temptation I managed NSD's Friday, Saturday and Sunday! No need to buy anything today so a good start to November!

Anyway, had better do some work on this dark and drizzly morning - have a good day

CrowdieSaver

Hi there

Just wanted to pop by to offer my support - I'm also a single mum of 2 (+ 2 dogs!) determined to pay the mortgage off as soon as I can. It's a long hard slog at times, but we can do this!

I've enjoyed reading your diary so far, good luck with your journey!

CS x

shopaholicnumber1

What a lovely weekend in Newcastle with DD Spent money (obviously!) on hotel, eating out and some groceries (well, alcohol mainly!) for DD plus a little cash top up for her. I am a bit soft on the finance for DC, but they never explicitly ask and I like to treat them where I can. Had an unexpected bonus of spending a few hours with DS last night who was up from his uni in Lincoln for his gfs birthday. Couldn't give DD £20 without doing the same for DS - no wonder I'm permanently broke! Worth it though

So, lovely though Newcastle was, I stupidly wore new boots (purchased a while ago but was waiting to wear them), so by the time I got home last night, my poor feet were covered in blisters. Added to which as we walked for miles and miles (well, it felt like miles and miles!) plus being quite a long drive, today my knees are shot and my hips, back and legs aching. To add to my general feeling of misery, I've woken up today with a hacking cough and feel truly dreadful. I was obviously coming down with something over the weekend so the aches and pains are a combination of overdoing it and being generally poorly. Dragging myself to work this morning was something of a challenge!

Despite feeling awful, it was a really lovely weekend - so strange to see DD in her "zone" and being a visitor - a first for me! Anyway, no financial news - mid month lull, but I'll have to tighten the belt for the next 2 weeks until payday thanks to this weekends escapades.

Have a good week MFWers! Keep warm and dry!

shopaholicnumber1

Haven't posted recently as I was right in my suspicion that I was coming down with something. I spent most of last week at home feeling lousy with a chest infection, finally caved in and went to see the doctor (something I never do!) and now have steroids and an inhaler. Still feeling rubbish, still coughing like an old tramp, and still have a cold, but I'm back at work as I can't deal with the guilt!

On the upside, it meant I didn't go anywhere or spend anything - apart from £18 on prescriptions - when did it get so expensive? :eek:

Anyway, payday a week today so I'm looking forward to updating totals and putting everything into the budget for December! I need to get out more :rotfl:

longway2go

Hope you feel better soon. Did you sign up to ynab?

shopaholicnumber1

longway2go wrote: »

Hope you feel better soon. Did you sign up to ynab?

I still feel quite rough, but am back at work as can't handle the guilt staying at home! I did sign up to YNAB - and I managed to get my head around the credit card thing, honestly don't think I'd be without it now! How are things going with you?

longway2go

I love ynab. I definitely think it helps.

As you can see also not been great but at least staying in means no spending lol

shopaholicnumber1

Yesterday was payday and today is mortgage overpayment day! Yay! Have been doing well on the NSD challenge - currently on 18 for November (target was 15 so chuffed with that) :T

I'll be having a big spend this week though sadly. Over the weekend my elderly cat went into rapid decline. Not eating, not drinking and getting incredibly wonky on her back legs. Yesterday I banished the dog to the kitchen all day so I could leave food and drink out on the floor for poor pusscat and see what she had during the day while I was at work. A big fat nothing is what she managed - not a sip of water or a mouthful of food (I'd filled both bowls to the very brim so I could see). Poor thing was hiding on a dining chair so took a bit of finding to get her to the vet! She didn't even complain during the short trip which is a first

She's currently at the vet hospital (since last night) on a drip as she is so dehydrated. She's 14 and a half and was diagnosed with kidney disease in the spring so is doing well, but I know she can't keep going forever. She only weighs 2.1kg at the moment (she's always been a small cat, but in her prime was around 3.5kg). Oh well, I will await a call from the vet to see what's going on with her. Poor old girl, the house felt so empty without her last night and this morning.