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Returning to MFW, my elusive unicorn!

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  • South_coast
    South_coast Posts: 5,830 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    (Not something I ever thought I would find myself saying....)
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Grogged said:
    If I take my glasses off they look like owls...
    Especially lefty.
    Luckily being coop up in home doesn't appear to have affected me...
    ...yet! 😂😵😂
    I'll let Freida know her fluff butt looks like an owl 😂 I'm sure she will be thrilled - owls are swish!

    Ooh, what pretty chickens 😀❤
    They are 😍😍 I loooove them! 
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    (Not something I ever thought I would find myself saying....)
    Seems to be the week for it, doesn't it?! 😆 I say we go with it. Everything will go back to normal in a couple of months...
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • (Not something I ever thought I would find myself saying....)
    Seems to be the week for it, doesn't it?! 😆 I say we go with it. Everything will go back to normal in a couple of months...
    Agree with you. I think we should all take the positives from the current situation and use our time productively if we can. I for one am getting on top of house and garden jobs, sorting and organising both physically and digitally which I often never get round to and of course reviewing finances etc. 
    MFW - #133 - 2020 Challenge - £1230.67 / £1159
    MFW - #133 - 2021 Challenge - £1328 / £1270
    MFW #56 - 2022 Challenge - £325.35 / £1296
    Mortgage began Jan 2019 - £115,900
    Mortgage Currently            - £105,160
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    regularsaver said:
    I for one am getting on top of house and garden jobs, sorting and organising both physically and digitally which I often never get round to and of course reviewing finances etc. 
    We have so many jobs in the garden (which pretty much need to be done in order), but I am pretty certain that buying the supplies for the first one (which would then allow us to do several ones after) wouldn't be seen as "necessities". We're going to do as much as we can working round it, but there will be a point where we're forced to stop.
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • South_coast
    South_coast Posts: 5,830 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I think some places are still open for click and collect - might be worth investigating?
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Yeah could be. In times past we would have borrowed a trade card from a friend of our next door neighbour and gone to the nearest builders' merchants, but he very sadly died suddenly last year (the friend, not our neighbour - she's still alive and kicking).

    Our neighbour on the other side had a tonne of topsoil delivered yesterday morning so there's definitely still some stuff ticking over.
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    The Manwife™ went to Ald1 and Tesc0 today for some shopping - spent £14 in the former and £18 in the latter. He came home and grouched heartily at me about the difference in prices, so I think he's onboard with the switch :joy: thus far we are half way through the CC month and about 43% of budget.
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • V8D
    V8D Posts: 62 Forumite
    10 Posts
    Got to the end of your journal. 😀
    I too thought your chickens were owls at first. 😂

    Re business finances: little and often is the best way. I have VAT to deal with also and have discovered FreeAgent software over the past year which is free with my NatWest business account and is easy to use, calculates VAT, profits, corp tax, runs payroll etc. 
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    V8D said:
    Got to the end of your journal. 😀
    I too thought your chickens were owls at first. 😂

    Re business finances: little and often is the best way. I have VAT to deal with also and have discovered FreeAgent software over the past year which is free with my NatWest business account and is easy to use, calculates VAT, profits, corp tax, runs payroll etc. 
    I have a friend who has 2 pet owls, and I'm rather jealous of her! They are gorgeous birds.

    I hadn't done my business finances for about 5 weeks I think. I am usually on it, but the Weirdness has meant it's fallen by the wayside. It's done now anyway, and it's not like I have a multitude of things to distract me so I envisage my tax return being done on the 6th or 7th of April :joy: I have yet to earn enough to pay tax. I don't even earn enough to pay compulsory NI contributions - I pay them voluntarily and even those I technically don't have to as I'm still in my post-child-exemption years.

    Daft as it sounds, earning enough to pay tax is one of my life goals! It's just taking me bloody ages to get there - the joys of teenage parenthood, followed by uni student parenthood, followed by home educating/self-employment in a field that is impossible to get rich in.
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
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