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Returning to MFW, my elusive unicorn!
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coldcazzie said: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?!
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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!!!1 -
South_coast said:I knew there was a reason I didn't ask 🤢!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.1 -
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.2 -
coldcazzie said: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.
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.2 -
Cashed out £5.82 from prolific which has brought the OP account to a pleasing round £470. I am uncertain how the rest of the month is going to pan out but I'm *hoping* that I'll be able to hit my target with a big TT on Nov 1st.
Work is suddenly busy. This is both exciting, and stressful, because I'm simultaneously trying to develop better ways of working.
Grocery shop went smoothly when I went on Wednesday, except I got IDed for buying paracetamol, and it totally threw me 😂 I just kinda stared at him, and then he asked me again and I floundered, couldn't remember how old I am, and eventually just offered to show him my driving licence. 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.5 -
Cashed out £5.08 from prolific this am, courtesy of a long survey last night comparing opinions of people in different cities. Also have been paid for a fleabay sale, so paid the FVF for that and withdrew that too. Will post that on the way to A1di this morning and then leave whatever the postage amount is in our joint acc and move the rest. I think it'll be in the region of £9.
I confess I have fallen behind in the fleabaying. Work has been grabbing a lot of attention and not really felt it (not that it takes much for me to not feel it haha). I am delivering a pool this evening and then tomorrow should be blessedly blank during the day, so this is me making a mental note that THAT would be a good thing to do.
Grocery shopping today. Absolutely could not fit it in yesterday. Big Small and Medium Small's dance class has now been moved to a Monday, and I had muchos work during the day. Other than getting the food shop in, my other job for today is making an email template to say thank you to a client and inviting them to leave a review on my website/facebook/google. And then asking someone to be a guinea pig for me and test it. I have yet to figure out how to make a workflow in order to have the templates get automatically sent at particular times, but I'm sure I will get there. I may have to rope Himself in for help with understanding the coding because he's great at that and I am decidedly not
Finally, the chickens are back in their old run during the daytime hours. Himself covered up the pop door to the coop with some bits of wood laying about and they've been thoroughly enjoying the opportunity to dust bathe (can't do that on grass haha). We're still bringing them into the shed on an evening, but it means we don't have to keep rotating the rabbit run around on the lawn and covering it with a tarp for rain protection (the chickens hate the tarp because it's flappy in the wind).
Money shuffle is all done, and everything is on track for the end of the month. Unless something drastic happens in the next 5 days, I'll smash through my OP target on Nov 1st!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.5 -
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!2 -
£9.08 moved into OP account, total now £479.08Rule 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.0 -
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.4 -
coldcazzie said:I confess I have fallen behind in the fleabaying.
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!!!1
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