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Returning to MFW, my elusive unicorn!

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  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Happy Easter!! (if you celebrate it of course; if you don't, well a very Merry Unbirthday to you!)
    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
    And you! 


    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
    edited 12 April 2020 at 9:40AM
    Receipts from Friday's shop have been added to the spreadsheet.

    Shopping spends
    Aldi: £37.84 (food)
    Morrisons: £29 (food)
    Toiletries: £2

    This brings the food spends this month to a Grande Totale of £431.33, which is 91% of the £475 budget.
    Booze spending amounted to £27.39, which is 110% of the £25 budget.
    Overall, this is £458.72, so still well under the budget of £500 for both :mrgreen:

    As the first month of the new shopping arrangements this has the potential to be quite impressive. I don't expect it to be like this every month though - we've had months like this with our old shopping routine....so I think we'll probably give it 6 months before we draw any solid conclusions. At that point I will either adjust the budget to match what we're actually spending more closely, or I will extend the £500pcm "food" budget to also include us occasionally eating out or getting a takeaway.

    The money from the eBay sales has been moved into our joint account, and I've left the eBay fees in my PP acc so I can pay those next week when the invoice lands in my email inbox. There is 2 lots of postage to pay, and I'm not sure what either of them will be. Packaging the items up, weighing them and checking the new RM prices (I assume they've gone up) is one of today's jobs. The others are to eat halloumi for lunch and play a boardgame. No Easter Eggs here right now, but we may well get some next week when they are on sale.
    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
    You can make a one-off payment for your fees if you want the money NOW and don't want to wait for the invoice (I am always too excited to have actually sold something to wait). Just go to your account page and click on the one-time payment option. Or (if you're on the mobile site and can't get to the account page, no matter how many times you click on classic site and then it pings you back to the mobile site, which drives me nuts!) type "one-time payment" into the search box on the help page and click on the link at the bottom
    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
    You can make a one-off payment for your fees if you want the money NOW and don't want to wait for the invoice (I am always too excited to have actually sold something to wait). Just go to your account page and click on the one-time payment option. Or (if you're on the mobile site and can't get to the account page, no matter how many times you click on classic site and then it pings you back to the mobile site, which drives me nuts!) type "one-time payment" into the search box on the help page and click on the link at the bottom
    Yes, I know; that's what I usually do. But something is making me hold back for now, not sure what! 
    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
    I have located the missing 68p! It was a transposed number on one of the spreadsheet entries - .29 instead of .92. So glad I found it, it was really annoying me!
    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.
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I hope you get the Easter eggs, we went on Thursday and Mr A was discounting them all, so they were going quick. Makes sense as very little treat stuff was left. 😕
    Glad you found the 68p!
    If it's not adding up, compound it!
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Today marks the beginning of a new CC month. That usually means a flurry of spending that will come out of the next month's budget. I'm paying for the silk painting kit today and may buy a new music album too. Our Splosh subscription is also due to be paid today, although that isn't paid on the CC.

    I am absolutely itching to Do Stuff in the garden, but we point blank refuse to mix cement/concrete by hand, having done it before. Never again. Ow! Can't hire a mixer because everywhere is shut, apparently one of our neighbours has one, but it isn't a neighbour we've ever spoken to and Manwife™ feels it would be rude to just rock up and ask to borrow it. We will have to content ourselves with digging (almost typed dogging then :open_mouth: yikes) and moving stuff around best we can. We've some paving slabs we want to lay behind the shed - we have the sand to bed them in and some weed fabric, and then 2 water butts which we'll chain together and attach to the guttering on the shed. The road is on a hill, so our garden is higher than next door's, and the ground just slopes down, so there may well be some building up that needs doing with breeze blocks or bricks. Not sure yet how that might work until we actually get in there and right now the whole area is covered with wild garlic which I desperately want to move elsewhere rather than removing completely, so we may end up with a bunch of pots of wild garlic until we can find alternative homes for it!

    I am planning to get in touch with the exam centre today and ask if we can defer Big Small's English exam until next year. The "assurances" from the govt that "no child will be left behind" seems to have the subclause "unless you're home educated, then we don't care". Given that waiting until next year IS an option for us (it isn't for some) AND her college place is secured, we'll probably do that. I imagine it will cost us an admin fee though, I believe this is in the region of £45. Not great, but what else can we do right now.
    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
    Dogging would certainly be another way to keep occupied 😂! Not sure it quite falls into the "fun for all the family" category though!
    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
    Dogging would certainly be another way to keep occupied 😂! Not sure it quite falls into the "fun for all the family" category though!
    It certainly does not!! :joy: dearie me.
    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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