Learning to walk before I run

edinburgher

Welcome to the new tax year

• £94 paid into LISA (£117.50 after bonus) - Managed to drag £85 or so out of a failed P2P lending platform that had been sitting there for months, Ch@se cashback, £2 from TCB for taking a picture of my easter egg receipt, a few pence from Tilly Tidies
• £3 paid into SIPP (£3.75 after tax relief) - Personal spends account

Managed to do an hour of overtime last night but very much not feeling it. Still, should probably keep up at least a minimal amount until I get a new job, as it helps to keep the coffers full and allows us a bit more flexibility re. fun spends.

Suffolk_lass

Eek, is that your up to date signature? Ours was £230,000 when we started. It took 18 years. And here we are, contemplating another £100k plus on our pensions!

edinburgher

Eek as in it's a large mortgage?

Suffolk_lass

Yes, I sort of expected it to be lower but after posting I reflected on the work you have done and I believe that was added to your primary mortgage (ie not additional borrowing as they euphemistically call second mortgages)

edinburgher

Original mortgage is c. £155k, second mortgage is c. £60k. 4th bedrooms don't come cheap. Also remember we did a kitchen refurbishment, new flooring and some decoration and funded maternity leave with that!

edinburgher

Spilled a ****** negroni on the couch last night - used Dr Beckmann's upholstery cleaner to remove it and it has left a line/shadow. Any tips for removing?

We are going away for Easter, £20.44 paid into LISA to reflect daily payments up to and including Monday.

Today will be housework and hanging with DD2, DD1 has been invited to a birthday party and lunch with pals

Edit: ********** Morrison's! Put through an order using a £25 off discount code 4 days ago, tried to add a bag of Mini Eggs this morning and because the discount code is no longer valid (although it was when I placed the order), they have removed it, adding £25 to the cost of our "hostess gift" of providing the food for Easter. I am raging...

Edit 2: Removed the swears, thought the filter would have picked that up. Am in a bit of a carp mood this morning, was obnoxious to Mrs E over an unimportant matter because I am getting frazzled about getting things done before going away tomorrow. Red mist receding and I have made my apologies

Have updated our regular overpayment to pay off a round amount. It's only £1 increased to £5.82 but hey, it's something and I have just discovered that B@rclay's allow you to select which part of your mortgage you'd like to overpay, so future payments will go to the slightly more expensive second mortgage (2.09%, feels like a bargain now)!

savingholmes

Annoying re the discount code.

Suffolk_lass

My Morries discounts always say use by, which I interpret as complete the whole thing by. I click and collect to avoid missing them, if I use them (I often don't, to avoid overspending). Presumably you had a birthday code too, to be used by the end of March? I didn't do the Easter one as the roast is being sourced from a freezer rummage for beef, veg I have in and the YPs I will make. Dessert will be the first garden rhubarb (I recommend a clump - my Mum's grows really well in Ayrshire, and she simply spreads a bag of compost around [never covering] the crowns in January for free food until August)

That is excellent re paying off the more expensive debt first - very MSE - and excellent timing to have such a low rate. Long may it be fixed!

Have a happy easter and don't be grumpy. Life is too short x

edinburgher

@Suffolk_lass - no birthday code here - just a crappy tub of bakery nonsense

We had a very nice Easter with family, even kept the economy going by spending nearly £100 of my personal spends on some clothing at Gretna outlets. Also picked up some very nice Denby seconds (bowls and two sizes of plates, Imperial Blue) to replace our ancient and very chipped crockery that was, I believe, a gift of unused stock from Woolworths from Mrs E's departed Gran The first money I've spent on plates for a good 15+ years.

Incredibly spendy weekend tho, what with paying for Easter lunch, aforementioned spends, DD1 needing some clothing and a tank of petrol. We need to get savvier about taking a packed lunch. Gretna is extortionate for food and it's very low quality. Could probably take smoked salmon sandwiches and a bottle of champagne for the same price as lunch (not that we would as we'd be driving)

Back to work tomorrow, 3 day week then Arran next weekend

Picked up a £10 Mr M's voucher from the gift card seller on TCB as there was a "spend £10, get £2 cashback" offer on.

edinburgher

Back to normality, zonked after not getting to bed until after 11:30. That's like an all nighter for me

£11.28 paid into my LISA - roughly 1/2 cashback from our spendy weekend (Ch@ase and TCB) - the rest Tilly Tidies from the various budget lines that were hit.