Pay for the future and not the past

MissRikkiC

Got thoughts in my head of all sorts at the moment, money/house related. Then something else I remembered was that next September my daughter will start school and will need picking up at school hours. I’ll need to review again my working hours/long term plans and again work out what the right thing to do is. 

I appreciate I’m quite early forward planning but I’m really not too sure if I’d be able to leave it and too much longer as I feel it directly impacts now and what life things we need to be considering. The knock on affect i guess. 

MissRikkiC

Had a nosey at our total credit cards this morning and total mortgage. It was the plan to start clearing the credit cards after my daughter gets 30 hours free at nursery come September and I’ve just checked and 1 of the cards 0% ends in January. So Decembers pay cheque needs to be the one which includes the final payment I think. 

Does anyone know how it works if the date is say 8th of the month. And then the 9th the 0% period had ended, at what point the balance is calculated? Would it just be safer to clear the balance by the end of the month prior?

MissRikkiC

If paying off by the end of December is the plan, there will need to be a big push on from Septembers pay. I have asked nursery to give me a rough idea of the additional costs I would still Incur so that I can plan accordingly. 

The balance at the start of August will be just shy of £4200 so on average covering off 5 months at £840 a month. Ouch. They money will be available come then to pay it, but not sure if it’s the best thing to do. If instead that balance would sit better in savings and BTing is a better option. Savings currently all being used to do renovations for the house as it’s needed however I’m certain there would be another £4200 worth of things to do in the house if I didn’t pay the credit card. Hmmm 

MissRikkiC

Outside of my main job I have trained as a nutrition coach and this weekend by word of mouth have taken on 2 clients for the next 6 weeks. Super excited to be working with them both, especially since their goals are the opposite of each others! 

KajiKita

Excellent news on the new clients 😊👏

KK

MissRikkiC

A few jobs done in the garden the last few days. Only 20 minutes here and there though but an hour from 8-9pm the other night which was just lovely to be able to be outside at that time. I’ve dug up a grass type plant. Think, wide blades of grass type leaves, pointy, similar to day lillies I think but it’s never flowered and whilst the snails seem to breed there (!) it’s overcrowding where I planted the blueberry bush so it’s had to go. I’m not a fan of snails, they seem to be prolific in my garden but I did feel guilty moving essentially a home for them. I did try and relocate some of them; but above everything else my children’s opportunity to pick fresh fruit from the garden wins the battle. 

I’ve since found a few other shoots of marestail as well in various places, one amongst my garlic so I have moved it out from the root but it’s likely that I’ve disturbed the garlic roots a bit too much in doing so. The same with weeds in the brick built planter at the side of the house, I have red baron onions in there and in clearing the surface I’ve probably disturbed them too. Hoping they both survive. 

Raspberries have gone completely mental in the little space I allocated them last year which I’m pleased about although im not sure there will be fruit this year if they’re the type that grow on the previous years wood. And strawberries are all getting flowers which is nice. I need to weed the strawberry beds actually. 

I’m going to start some more stuff off this week as almost the final hurrah as I fear because the stuff outside isn’t doing too well (think seedlings eaten by birds and snails decimating the rest!) I worry I’ll not have enough to use the beds up!

MissRikkiC

had half an hour spare so fixed my greenhouse pane and quickly threw some compost into modules (I think 5 sets of 6) and grabbed some seeds on the way out of the shed. 

My daughter wanted to help so as a result, I have no idea which I did in what module sets as I didn’t have time to label them as we were doing it 🤣 We did basil, rainbow chard, squash, perpetual spinach, sweet peas and cucumber! Just not sure entirely which order they’re in the greenhouse in! 

I bought myself a new watering can as a birthday present today, it’s lovely. I also bought some cacti potting mix as we’ve had a tiny cactus since we moved in, one of those miniature ikea ones and it’s about 30cm tall and keeps falling over because the pot is just too small for it so I’m looking forward to moving that into a bigger pot to give it some stability (and to stop us getting a nasty prickly shock every time we accidentally knock against  it!). 

In my test run of sweet peas I watered earlier, (9cm pot with a few seeds to see how they’d do) I sniffed a familiar scent in there that wasn’t sweet peas (since they’ve not flowered yet ofc).

The result of the test run is 3 very spindly sweet pea stems with a few side shoots and 2 tomato plants 😂 hence the familiar scent! Quite pleased about it as I’m worrying we don’t have enough tomatoes. 

That said, I’ve also sown all those seeds today and then as I arrived home from collecting the children from nursery I noticed a sign for the village plant sale this weekend which I’d love to go to. DOH! 

KajiKita

<whisper> You are allowed to buy baby plants in garden centres …. especially when little helpful fingers accidentally ‘weed’ precious seedlings! 😉😂

KK

MissRikkiC

Oh I’m so glad you’re in agreement 😂 @KajiKita

KajiKita

MissRikkiC said:

Oh I’m so glad you’re in agreement 😂 @KajiKita

How could I not ….! Ahem … 😂😂😂

KK