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Returning to MFW, my elusive unicorn!

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  • South_coast
    South_coast Posts: 5,829 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    The smaller freezer under the fridge is used for cat food, ice blocks, and currently also has 2 placentas and a bunch of duck feet/necks/giblets from when I last culled some ducks (there you go @South_coast - told you I'd win your weirdest freezer contents competition!! And no, neither of those placentas are mine...! I think that makes it worse?! :lol:)
    I knew there was a reason I didn't ask 🤢!
    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
    I knew there was a reason I didn't ask 🤢!
    It's fine, so long as they don't get mistaken for anything else. Believe me, they are WELL labelled!
    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
    Today I listed another 5 items on ebay, bringing the running total for items listed to 18, which takes me up to tomorrow.

    2 items sold, one of which had a bit of a bidding war on it. These will be posted Monday. The funds for these are going in the clothing pot, rather than the OP pot, to make up some of the deficit for this month in that particular area of spending. Will be paying the ebay fees and withdrawing the funds when I've finished this post.

    I also sold the remaining cat food we had leftover from before we switched to another brand. I am dropping those round at her house on Thursday when I go to visit the chiropractor for a very overdue crunching (shakes fist at covid). The money for this has gone into our pets account.

    I've been improving my website this week, and now have an online booking form plus pp payment link for one of my services to replace the "I'll email you documents, you fill them in and send them back, then make a payment" rigmarole I had before. Combined with my domain email that has been finally set up this week, this makes for some exciting business developments. When setting up my email access on my phone I decided to set peak times where it syncs, and then have it not sync at all the rest of the time... I've got to say, it feels very odd to know there are emails going into my inbox but I have no idea because my phone hasn't picked them up ON PURPOSE.
    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
    When setting up my email access on my phone I decided to set peak times where it syncs, and then have it not sync at all the rest of the time... I've got to say, it feels very odd to know there are emails going into my inbox but I have no idea because my phone hasn't picked them up ON PURPOSE.
    Ooooft. This is a learning curve!! I'll get used to it, but right now I am definitely finding myself fighting the urge to check my business emails to see if there's something there that I don't know about!

    Yesterday and today have been busy and I haven't been able to do a grocery shop. Planning to do one tomorrow.
    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
    Glad work is picking up and the girls are starting to return to some sort of normality.
    Well done on the OP target.
    If it's not adding up, compound it!
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    £9.08 moved into OP account, total now £479.08
    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
    Bills almost all paid; just one more to go out on Monday.

    Next month is the month where we benefit from the 4 weekly payments in a 12 monthly calendar - we'll get 2 CB payments in a month, one right at the beginning and one right at the end. My current plan is to use this to increase our current account buffer to £500 instead of £300.

    Here's the big news: Himself is changing jobs. We've actually known about it for a while (he applied back in August!) and the proposed start date is end of Nov, but because everything is moving so slowly and not yet confirmed we are still feeling a bit like we're waiting for the other shoe to drop. We have no idea what his new payday will be. Currently his wages are paid for the month he's working, but his overtime is a month in arrears, but the regular overtime he's been doing for years and years is finishing at the end of October. He's also got A LOT of unpaid leave accrued, and we're not sure how that will work (ie, whether they'll pay it in lieu, or whether he's obliged to actually take the days off) but we do know he can use leave for his notice. Like I said, it's all rather unclear right now... HOWEVER the overlap of CB has come at a useful time as December is the time where we may need a bigger buffer due to payday differences.

    And of course it's happening in December *eyeroll*... A big Yule celebration is hardly on the cards this year but we do have the car MOT due in December too and I am feeling very anxious about that because of how low in funds our car account is - if all it needs is new back tyres (expecting that one) then that's fine. But if more is needed then eek.
    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: 5,829 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I confess I have fallen behind in the fleabaying. 
    Tsk....

    Better catch up in case there's any December shortfall 😀
    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!!!
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