Moving forward and upwards

Skint_yet_Again

I’m glad you have been resting. It’s mostly dark and cold here too.  Good to hear the cats gift turned up so quickly after reordering 🐈

Well done on the cleaning.  

MovingForwards

November financial round up:

Saved £207 (now £7636)
Car pot £150 (now £558)

SIPP £10

Mortgage O/P £395 (now £57,584)

Surveys, made £32.50 in 18 days

CC balance £87.25, B-shop purchases

It's been a 'spendy' month for me due to getting gifts sorted out, however I've saved well over £1000 just on TomBo's gifts; got him five L3 Cr3us3t cast iron items, and their cookbook, and have change out of £110 🤭

I've cashed in survey points to give MIL a voucher.  Took advantage of the B-Fri and C.Mon sales, combining purchases with mine and using reward points to bring the overall cost down at B-shop for SIL and AIL gifts. Just have to sort sibling out.

I've got £25 to last 7 days, all bills have gone out for December aside from bank fee which is end of month.

Plans for December are throw everything spare into mortgage O/Ps, savings, clear the CC and pay regulator fee.

MovingForwards

Thanks SH and Skinty

I do like my bargains and keep looking until I've found what I'm after for the price I want to pay 🤭

I've done more of the shower room, but will have to do a bit more on the cubicle before I can do the floor and move on to the lounge, although I've started tidying up.

I'll be studying over the rest of this week and thought a few hours of chilling would be beneficial.

We're having spag bol for tea.

MovingForwards

Well I succumbed to temptation last night and opened up a FD current account, I'll get £20 just for opening it. While I could have switched my car pot CA to get a bigger bonus I didn't like to as that's always paid interest.
- really feels like my bad history is behind me now and was quite apt to open after just 6 years of my new life, hasn't that time flown by.

I'm hoping the CA details arrive quickly so I can open their RS, it's the first one paying more than my mortgage APR!

Been chatting with sibling about money, specifically about when my hours drop down and my income and bills matching each other. They've realised I can't help them and have been applying for various jobs. I do feel guilty how I've gone about this, but it's time they grew up and stood on their own two feet.

Don't think I said but during the B-Fri sales I got us P-r-m0unt+, another streaming service. TomBo was going to do it for a month, but I said a year as it was half price and cost less than £35; we've already got stuck into that and have lined up what we're watching over the holidays. 

I've a busy day lined up. I'll mainly be revising, but it will be broken up with a telephone Dr apt to change my script to more than 2 weeks of my meds, filling in the pension forms and a trip to my local Christmas market; I do feel very privileged to have the market a few minutes walk away. 
- even if I'm only revising 21h pw over 3 days, with my extra over the holidays, it's still enough and means I get half a day of rest.

I'm hoping my camera and TomBo's other gifts arrive today.

MovingForwards

Dr apt went well, getting another med to try and have a physical apt next month as she wants me on the right meds for everything. She actually went through my records before we spoke and I felt comfortable describing some of the problems. I'll write a list ready for my apt just as a prompt for me.

My B-shop order came.  Just waiting on one more delivery, which I hope appears next week as it's TomBo's gift all his others have arrived.

Popped to the bakers.

Went to the butcher got bacon, steak burgers, rhubarb and apple pie and a tin of custard. 

The market wasn't that great compared to last year, barely any stalls but I did get some tablet (kind of like a hard, crumbly fudge), baubles, handmade soap, beer; that's all the gifts sorted.

Total spend today £43.

I've got my feet up and you can probably guess what's for tea and pudding today 😀

Skint_yet_Again

Glad the dr appointment went well and it sounds like she is interested in getting things right for you. 

Food sounds lovely esp rhubarb pie & custard 😋

MovingForwards

Thanks Skinty, she's a younger one therefore not at the jaded stage and has an interest in palliative care, which I think is working in my favour as she appears to have good knowledge of pain meds. 

Got my meds. The new bedtime one is for one of my pains, if these work the Dr just needs to figure out what to prescribe for the remaining pain type; I may have a better quality of life next year!

I popped to a charity shop, got a purse, thick cardigan and a gorgeous wood photo frame; it's a little too small for my qualification certificate but I could scan, shrink and print it to fit. Spent £14.

Picked up a bottle of lemonade 55p

I've had a walk round the garden, last year's onions should be ready to harvest in spring, with this years later in the year. Garlic has settled in and is growing nicely. My greens are doing well and I've still got some from last year. Fruits are still fruiting. 

We're having pea and ham soup for tea, I'll have rhubarb pie and custard for pudding. 

savingwannabe

I'm still thinking of the rhubarb pie and custard. Yum. Glad your new doctor is nice. Well done on charity shop bargains. Have a good day.

MovingForwards

Thanks SW

I was really bad with side effects yesterday, eased up bedtime and I had to take the next one. Slightly better today, no sleep vomitting and not as out of it, but I'm definitely not me. I am taking it easy today!

Back pay of just under £540 it works out to just over £200 in my pocket, but I can't get the calculations to match the p-slip.
- hopefully I'll have a decent tax refund when I'm back down to my normal hours and claw some more of this back.

My camera arrived, I've done a few test photos and will have a read of the instructions later. I'll be resting when I've finished for the day.

We're having soup for tea.

Skint_yet_Again

Sorry to hear about the side effects. Hope they settle soon. 

Deductions from £540 sound high if it’s only leaving around £200