2020++ - smiling and waving and looking so fine

f0xh0les

Woohoo!  A surprise (almost) grand!  Not to be sniffed at as a windfall. 

 I got an electric bill for my ex-step-gran's empty bungalow.   Your post is much more exciting

mark55man

Not feeling the excitement at the moment - although the cheque was smile inducing.  Need to get my mojo fired up as there is plenty to do here

trying to be more frugal as the last few months have been a bit indulgent - but just a little uninteresting.  Peaks and troughs though - hopefully will be cooler now and can get more done without flaking

savingholmes

How lovely on the refund. 

Have a great weekend.

doingitanyway

Weight and finances holding steady. All good.
More and more I think MSE for me means stopping the pointless, stupid spends. That way, opportunities for meaningful spending (like time with loved ones for meals or holidays) presents we can embrace them guilt free
I am also relieved the heat has subsided. 

mark55man

Did my OH Charity Foodbank receipts and realised we hadn't done them since February at £100pm that's another batch of cash coming in.  I had written it off as cost of living which maybe shows I'm not paying enough attention at the moment,

Also had my 6 monthly health check and scraped a pass - not as good as I was, but still within healthy guidelines (ie much better than I was previously at the start of this diary).  Got told I was the poster boy for middle age men in remission from excessive plumpness - which was gratifying for about a millisecond.

OH and I are looking forward to the bank holiday - will spend one days hard at chores, one days relaxing and one day trip (maybe NT).   Only decision is which order to do them in!.  At least 2 trips to the tip !!
  

savingholmes

I think £100 pm x 6 or 7 is a lovely find right now. The way things are going - perhaps bung it straight in your energy account!

On the health front - where do you think you've slipped - is the weight or the steps or something else?

Enjoy your weekend.

mark55man

so today is lazy day!!  anything worth doing is worth putting off until tomorrow

savingholmes

You normally sound really busy. Well done for listening to your body and having a rest.

ohdearhowdidthathappen

Two nice little financial surprises there, definitely worth being happy about, not often that way round
Good news on weight and health check too.
I'm not a fan of excessive heat either, it's very tiring and I find the constant nagging the kids to remember sun cream and hats tiresome  

mark55man

So just did my numbers for July and August.  Was remis not to do it monthly but things are very steady (ie dull) here.  Plus you may have sensed some loss of mojo -  I think the COVID I had in early July is still (mentally at least) having an impact on my get up and go.  Plus may have overdone it a little.

Anyway without going into too much details everything is pretty much on budget - been a bit spendy on socialising but my OH extra pay (more hours and pay rise)  means we are OK.  Plus some of the windfalls have been consumed but generally back to normal

My Regular savers are going well in that I always do better managing when a little short than having a surplus and trying not to spend it.  my EF is hovering around £5K for the first time in a long while (after CC4 balance deducted) so in reality a bit more but no hurry to pay that off - although will try and clear the decks in December - depends on what happens in next few months. 

I know its fortunate timing but I am just so glad I got my act together before the current cost of living crisis - it would so hard having to get spending under control at the same time as everything going up.   2 years since being overdrawn and although CC4 is in attendance that was for really to avoid draining EF - which when I think about it is probably the wrong way round!!