Crunchy pays off the loan early, and other stories

crunchy_time

Morning

@WinterWarrior - I should probably point out that the £952 left of consumer debt is on a loan so paying it off now would make no difference to our monthly debt payments.  It is just a point in the sand between different categories of debt.  

I tested positive for COVID on Monday which was a bit of a shock as I don't really feel ill.  Other than a sore throat and a headache in the morning and a bit of fatigue, that is it.  Regular lemsip is helping these symptoms though.  I am going to take this opportunity to rest though.  It is very strange to be back in a sort of lockdown situation until next Friday when I finish my period of isolation.  Bizarrely, the rest of the family have tested negative so can carry on with their lives, although I have one child at home today as he is still coughing but has had a negative PCR test.

I have a to do list of course, as long as I feel well enough to do these things:

 - clean carpets 
- Get to grips with Vinted and list some pieces
 - Apply for husbands passport renewal
- Merge two of husbands pension pots that are the same provider but different companies
 - Complete the following tasks on my home organising binder - list of subscriptions and insurances and dates for renewal, Annual budget for house tasks/costs, room by room plan of what is left to do all costed up, weekly cleaning routine
- Complete the penultimate course assignment which is due on the 21st.
 - Prepare for life coaching/counselling session at the weekend 
 - List of Christmas presents to buy.
  - Start list of Christmas food and activities we can do.
- Husband sort out apple subscriptions
 - Find things to be sold on music magpie - books/tech - I know we have a lot of phones and an old ipad.  Still haven't found apple TV remote though which is annoying as that is £40!!

Lots of this is sitting down tasks which is good as I am feeling fatigued.

Anyway, have a great day everyone!

Crunchy x
 

WinterWarrior

You don’t need to point anything out, it was just a thought. You are doing so well.
sorry about the positive test, what a pain! Fingers crossed you have an easy time of it. 

WinterWarrior

You don’t need to point anything out, it was just a thought. You are doing so well.
sorry about the positive test, what a pain! Fingers crossed you have an easy time of it. 

ohdearhowdidthathappen

Sorry to hear about covid, glad you're not feeling too bad with it.  Nice to be sub £1k on the consumer debt though

Lifestartsat40

Hi Crunchy - just caught up with your diary - you are doing so well 
I hope that you don't feel too bad with the Covid - I seem to know loads of people with it at the moment but luckily no-one I know has really had any bad symptoms. Hope you can get through your 'to-do list'
Take care x

crunchy_time

Thanks all. I don’t feel too bad at all now. Just a sore throat and a headache a few days ago. I had some wine last night and worked out today for the first time in about ten days so must be ok. Husband is really ill with a horrible cold and cough and kept me up a lot last night so I’m sleeping in with my son tonight. Was very grumpy today.

Only Day 5 of Iso so five more to go. I am taking the dog for a walk every day as husband is far too ill to do it. We live in the sticks and I see no one. 

Husband did the food shop today but hard work for him being so ill and stuck to the budget which was good. Because he was ill and I am isolated he didn’t o on a lads trip to London this weekend and is pleased he has saved money.  

I’m waiting for my pay day now so I can start Christmas shopping so I can get it all done and dusted. I think the kids want roller skates!! 

I don’t feel like we are doing well at all at the moment as there is a lot on husbands credit card and mine at the moment. I want to get Christmas paid for and as much paid off with the surplus. Then once we get to 1st Jan and this consumer debt on the loans is made off, make a new plan.but thanks for the sentiment! It means a lot! We still have to change lots of the habits we have got into over the years but taking it one step at a time.

8 weeks to go!! Till 2022

Crunchy xx

Lifestartsat40

I can sympathise Crunchy - just when you think you are gathering momentum Christmas comes along to throw a spanner in the works! - I have been decluttering by selling stuff and intended to use the money to overpay my loan but with Christmas looming I think I should hold onto it so I don't go over budget 

crunchy_time

Lifestartsat40 said:

I can sympathise Crunchy - just when you think you are gathering momentum Christmas comes along to throw a spanner in the works! - I have been decluttering by selling stuff and intended to use the money to overpay my loan but with Christmas looming I think I should hold onto it so I don't go over budget 

I’m usually quite frugal at Christmas and have to rein in the husband - usually with food. I think COVID was a blessing last year as we realised we could have a great Christmas without having to see everyone and do everything. 

Going to see how little money we can spend and how much of a good time we can have. 

On that note - I looked at tickets to a stately home in the county to see Father Christmas, have a tour and a craft activity - it was going to cost us £100!!! I think we will just have a walk in the grounds instead and take sausage roll picnics.

Crunchy x

Lifestartsat40

Do you have a local panto? that always gets you in the Christmas mood and should work out slightly better value? 

crunchy_time

Lifestartsat40 said:

Do you have a local panto? that always gets you in the Christmas mood and should work out slightly better value? 

Probably but I’m not a fan of pantos. There is a big one in the city near us. Went a few years ago and spent the whole time in the bar as it hated the crowd. I get claustrophobic. It’s not money well spent for me. The kids have been with the school before which is better.