A new chapter, An empty nest, Drama school & Last year of Uni

Spendless

Thank you both.

Day before Mr S gets paid and we end the month with £39 left - though not really as my bank shows the following days transactions so I can see that we are really about to go £75 overdrawn but also that wages are due to be paid in. This is the first time this has happened that theres not really anything to put into savings from leftover wages since early 2023. So, what caused it? Basically an additional night in a hotel whichever way you look at it. One wasnt anticipated and needed due to a red tape delay re studying abroad, that wouldnt have mattered if we hadnt slipped up with not knowing the ts & cs  booking a hotel for a night before a flight we will go on in a few weeks. We live nowhere near the preferred airport with the most direct flights so an overnight hotel is a must. Still, I dont think one blip in a 2.5 yr period is bad. 

 As the amt to go out will coincide with wages going in Im not taking from another account to even things out. I will deal with everything tomorrow when the money is there. 

Tomorrow we have a carpet being fitted so need to pay for that plus a dental appt. Ive literally just missed payday at my new workplace. So Ill continue as before with student rent until I receive a wage and then will reassess figures. 
 

Honeysucklelou2

Congratulations on the new job.  How exciting to be able to go and visit your DD while she is abroad…something to look forward to.

Spendless

Another finances day. I have the money saved in my ISA for the studying abroad expenses (so glad I saved for them!) and that needed to be used to pay off the CC only Im currently on a preferential interest rate until early Sept so Mr S said hed take from his ISA instead which is low interest. Then we had to wait for that figure to appear in our bank account before being able to pay the CC. In going thru the figures we discovered we'd been charged a whacking £60 to pay DD's overseas rent by CC. We'd missed it because we'd already had a late charge applied but we knew that, when there was the red tape visa delay it was the better of the two evils to accept a late charge than commit to something that might have had to be delayed for weeks.

Anyway we found a bank account to send the overseas rent to that only charges a few £s. Our own bank rang later to question if it was a fraudulent transaction. Quite like their security. Think it had flagged because you put a nominal amt in first to open it and then a large sum was transferred and sent abroad. Reassured bank it was all legit (we'd checked it out) and why we were sending. 

Mr S got paid today along with the missing bonus from last month and I *think* some tax back. It doesnt make it clear on his wage slip but I think working out last months wages plus bonus minus tax he's had a refund. He still needs to speak to HMRC about previous years being wrong but didnt get chance to do that today because .....

Our carpet that was due to be delivered today didnt come. The company rang this morning, theyd discovered it was damaged and knew we wouldnt want it. Only we'd paid for it in full and last night had moved all furniture into another room completely cluttering it. The dog was already sulking that the old carpet had been taken up days ago and he now had a hard floor to lie on, but since he still has his dog bed, the sofas and the hallway carpet to sleep on, thought he was just being a diva, now with no living room furniture and inaccessible dining room, I could feel his pain. Mr S WFH so managed at lunchtime to go visit carpet place. Asked about carpet from the roll rather than a roll end and they agreed to do it for the same price due to the situation, so more expensive carpet for less money - result, even if dog is still sulking- lol. It is being fitted early next week. Already finding the joy of part time working and time off midweek.

Dentist didnt find any cavities so bill was cheap, but do need to book hygienist, which will do once I fully know my work pattern for next few weeks. 

Waiting for Mr S to finish on a conference call and going out for our tea since you cant get to our table to eat.

Enjoy the weekend everyone. 

Spendless

Honeysucklelou2 said:

Congratulations on the new job.  How exciting to be able to go and visit your DD while she is abroad…something to look forward to.

Thank you. Where she now lives is where it was my dream to visit with both kids for their 21st and 18th birthdays which fell in March 2021. Had been my dream since youngest was born 3 years after eldest was born and I knew they'd get their  special birthdays in the same month. I never dreamt we'd be in a pandemic though and unable to go, so thrilled this is now becoming a reality.