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Simple living in the country - back to basics

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  • earthgirl2
    earthgirl2 Posts: 498 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Oh wow have a great mini holiday!
    Save £20,000 in 2025. April 2k, May 3.5k
  • Cheery_Daff
    Cheery_Daff Posts: 17,108 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you all 😊

    We are having a lovely time. Just sneaked back to bed for a nap after breakfast 😂 Mr Cheery is still asleep so I am sat up in bed watching the sea and pondering things 😊😊

    Walked over 21,000 steps yesterday 😮😮 Still didn't find anywhere we fancied eating though so we shared a takeaway on the beach 😁

    Some financial things...

    Payday today, and also the new pay scale for the next year has been released. We normally go up an increment, and each increment has itself been raised, and of course I have this promotion from September. My initial calculations were based on guesswork, but now we know how much the overall raise is, it looks like my overall increase will be just over £3700 a year gross, or around £192 a month in my pocket 😮

    I'll need to check that when we get back - I didn't want to faff about downloading payslips so I might have got the tax code wrong (I claim married persons allowance as Mr Cheery earns under the threshold). But I think it's right. 

    Anyway, I'll get a month's worth of my present incremental increase backdated to the start of August, but paid in September, and then promotion pay from September - so September wage packet should look very healthy!  

    That should allow me to finish topping up the new car fund. I think the next pot to start on will be the windows. We've got several where the double glazing has blown. Mostly easy to ignore, but the one in Mr Cheery's music room will need replacing altogether as it's letting water in, and we might as well get the glass replaced in the others, although probably not the frames at this point as the rest of the glass in them is fine. Not sure of cost, so once I've got £1000 in the pot I'll get a quote from the people who did the others. 

    And, of course, some of this will go towards offsetting energy bills. Hoping the kitchen ceiling will make a big difference this year, and there are other things I'm planning too - I'll be making insulated blinds etc for the kitchen (coldest room in the house, which currently has 4 windows and no curtains at all). Might also make some for the offshot bit by the back door - does at least have double glazing now but no curtains. And probably my study too. I'd love to stop using electric heaters in there when I work. I suspect a carpet would help considerably (it's tiled at the minute), but also insulated blinds, and trying (again) to sort out the radiator - furthest from the boiler and never gets as hot as the others. 

    Right, the sun has come out, and we need to check out in half an hour, so it's probably time to get out of bed (again) 😂
  • beanielou
    beanielou Posts: 95,478 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad tyhat you had a lovely wee break.
    Food for the soul  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • So pleased you had a good time. Will certainly be on my wish list . And good news about  building regs
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