Cutting it Fine - the challenge is on!

SandyShores

Oh FtbDreaming, it really is awful.  I think its as much the shock of it being gone forever as actually losing the items.  If they'd only called me and said if you don't come and get it we're dumping it.  I had my handbag stolen once, and another time I lost a dear bracelet, and it was the same stomach churning feeling - which is shock I suppose.  Sorry to hear about your bike savingholmes have you got any photos of you on it?  I'm definitely going to get my treasures box together.

Well today was hump day and now the rest of the week should be plain sailing.  I had a bit of a confidence boost today, although it was a slightly stressy day work-wise, it was nice to have a compliment about a piece of work.  I had a glass of wine and some chocolate after dinner as a little treat.  Here's to only a couple of days left at work, looking forward to the weekend

Sandy

ps on a bit of a roll with the ToDo list and down to 7 items only.  Hope to get another two of those down soon.  Will be nice to be down to the last 5.

savingholmes

You're doing really well with the list... I had a bracelet stolen once too that had been my mum's mum's - who died before I was born. I wore the bracelet on my wedding day... 

Ah well. They are only things....

SandyShores

That's sad SH.  I don't have anything of my mum's mum's.  I don't even have anything of my mum's (my fault) but I do have some photos of my mum at least.  I have a gold bracelet passed onto me by Mum in Law before she died.  Its nothing particularly posh but I am planning to pass it on to DD.  I'd be devastated if it was lost and from time to time I have a panic and have to go and find it to make sure.  I used to wear it every day but I'd panic about losing it a lot, so stopped.  I ought to wear it a bit more now we're wfh, feels like a good luck charm.  So, yes they are only things, but I guess its the connection that makes them special.  I'll have to read the MK book again and remind myself of what she says.

Well, I logged into the mortgage account today, and think I have finally figured out my overpayment planning.  So, interest is added daily - well its added onto the interest paid amount, so to work out daily interest I'd have to log in two days in a row and calculate the difference.  Then, I'm planning to make sure the mortgage is paid down £1k per month, which means making a monthly OP of around £100.  So, at the moment the amount is under the £000 where I want it to be, but very soon it will start to go over as the interest is added.  That's when I'll start making overpayments and I should be able to figure out how much is needed for the rest of the month (by logging in two days in a row and multiplying the difference by the number of days left).  I'd like to start the first working day of the new month on £000's - which means a full £1k will have bitten the dust every month   

Very tired tonight, but one more day left before the weekend.  Woohoo!!

savingholmes

Hope you're okay. Well done on figuring out the mortgage... and planning for OPs.

SandyShores

Made it through Friday and looking forward to enjoying the weekend a bit more.  Weekends have felt blurred in with the working week recently.  This weekend I have a little more focus and know what I want to achieve.  Its nice to feel more positive.  I've been thinking about the things I'd like to do once this pandemic is all over.  All those things you keep putting off, and people you keep putting off visiting - must make more of an effort when we can, as you never know what is around the corner.

Thanks SavingHolmes, I am feeling a bit tired still, but I know I need to stop the electronics again at night, keep up my stretches and exercises, and go to bed early.  It all works, but I need to be more disciplined about it.  I'm so pleased to figure out the mortgage OPs and the targets are a stretch, but not too out of the way, just enough to keep motivated.  All we have to do now is to keep healthy and employed - and things are looking good in those areas at the moment so I am very grateful.  We've had a rocky few years and about ten years ago we had nothing to pass onto DD except a load of debt, now we are in a totally different position.  We just need to keep it going for another 10 years

savingholmes

You'll get there. My DS said recently he didn't expect us to be in a position to leave him anything. I was shocked! Our house would need selling but there would be equity. We also have life insurances -  including a couple in their names.

SandyShores

Received my 300 B00ts points free via the V0daphone app.  So that's £3 to spend on household stuff (and £3 from the household account will go into the xmas savings).  Only £3 more to make the end Feb target for xmas'21.  Its slow progress at £1 a day, but when xmas'21 comes around there'll be a lovely £365 to spend.

That's true SH, the life insurances are in place and we actually have equity.  Its nice to think we'll be able to leave them something to help them along.  

FtbDreaming

I haven’t used Boots for years since Dd2 was a baby so my card got abandoned... I used to rack up load of points in there! 

I don’t know about ‘leaving money’ for the kids.... I had this conversation with my friend the other day who said she’d never sell the house even though she’s miserable and tied to the XH with it because it’s for the kids when she dies. She’s 42 and the kids are 22 and 16 so I think that she needs to live for her and when she eventually does die hopefully the kids will be in their 50s+ by then anyway and already set up their own life. Obviously I have life insurance incase I die when the kids are kids! 

SandyShores

FtbDreaming I know, I'm the same with Boots.  I had £1.50 on my card for at least a couple of years, but didn't go in the shop to use it.  I tend to find things are more expensive than Asda or Superdrug.  But it was good to get the free three quid so with £4.50 I'll buy toothpaste or shampoo or something and move the household funds over (when lockdown's over of course).

Completely agree re your friend living her life - 42 is a fantastic age, and with the kids reaching independence too.  The best thing we can help our kids with is a means to earn a steady income (and of course how not to get into debt) - and then our job is done!  

I've now started reminiscing about being 42 again.  I wonder if in 15 years time, I'll be reminiscing about being 57 again   Probably, knowing me.  I'd better make these next 15 count.

savingholmes

FtbDreaming said:

I don’t know about ‘leaving money’ for the kids.... I had this conversation with my friend the other day who said she’d never sell the house even though she’s miserable and tied to the XH with it because it’s for the kids when she dies. She’s 42 and the kids are 22 and 16 so I think that she needs to live for her and when she eventually does die hopefully the kids will be in their 50s+ by then anyway and already set up their own life. Obviously I have life insurance incase I die when the kids are kids! 

I agree we have to live our own lives - and go wherever that takes us. It is nice to leave behind a positive legacy though - which can include financial blessings but isn't only that. Our ceiling becomes their floor from which to build.