Pay off mortgage and start having even more fun 😁

newgirly

Ooh not sure where my reply went as I wrote one out days ago! 

Yes GP, that’s what I’m sneaking in already, fairy lights and candles (mainly battery ones), make everything feel cosier 😊

Unusual day today as I’ve been out with my husband! This is a rare occurrence this year really as he’s so busy 😆 we went for a drive to a town fairly nearby that is closer to ds2 now, about 25 mins away. Popped into a charity shop and bought nothing - flipping expensive 😳 then bought lunch at the cheap pub £18.94 for both of us incl drinks, not money I should have spent I know but it’s been a very long time since we went out together. Then I got dh a free hot chocolate and cream from gre99s with my app as I get a free one a month via car insurance perks.   

Also got my little car mot’d ready to give ds1 who is having it for when he passes, he did offer to pay for it but as it passed I said we would, it may have been a different story if it failed 😆  anyway that will come from the car fund. 

daisy_1571

definitely needed to spend that considering how little time you get to spend together 

Dxx

South_coast

What are you going to do for a car, NG? Sorry if I've missed that update!

newgirly

Dh’s new job comes with a van (a big van that takes up half the drive 😒) it’s for work only but he can use it to commute too so no need for two cars, we just have the electric one now. It’s not saving anything really as dh was paying for the electric ones bills previously through the business but now I am, plus it now has road tax. My little car was very cheap to run but not really needed, ds1 is learning so I said he can have it. I suggested it might struggle going to Leeds all the time (they usually get the train) as it’s a 20 year old one litre Aygo, but he thinks it’s all fine 🤣 will splurge a few hundred on the other two kids further down the line as I like to even things up, luckily it’s wasn’t worth much though! 

newgirly

Urgh, I’m not having the best week, lots of family tensions and I feel like I’m treading on eggshells 😩 Xmas is now an issue, so much so I’m considering going away as an excuse to avoid it all. I’ve always said I would never do it (Christmas with the kranks film proved this is a bad idea 🤣) we won’t do it, but today I sure feel like booking a nice cruise! 

I had a very busy (and stressful) day yesterday with some family and then had a couple of friends round in the evening which was lovely. I did blow the budget and do a big cheeseboard with nice picky bits, they have hosted me way more than the other way round over the years so I wanted to do something nice, budget is now at £768.30/£1000 this weeks shop mainly consisted of nice bits for last night instead of “proper” food but we can eat leftovers for a couple of days and then I’ll concoct something from what we have already. 

Still not done the budget for next year though, maybe today is the day I’ll face it 😆

South_coast

At least if you do the budget that's half an hour you won't be spending any money 😅!

daisy_1571

Go away! 

Complete change for you both and lets your 3 each go to their in laws this year then they'll be back at yours next year setting the pattern for turn about, every second year you have them all, every second year you can go away if you enjoy it this year  😊 😉 😀 

Dxxx

newgirly

South_coast said:

At least if you do the budget that's half an hour you won't be spending any money 😅!

🤣 indeed, I didn’t though, perhaps today 😉

Hi Daisy, haha I’m not sure I actually could when it came to it! One of ours goes away every year as girlfriends family is in Leeds which is fair enough, the others partners are brother and sister (I know sounds weird! 😆) and don’t have the traditional set up where they would go to the inlaws plus their mum has passed, so sometimes they see gran. I don’t know, today will put me off as im in all day and the only thing planned is the washing and the finances, once I look at that I won’t want to spend anymore 🤣


We are still living off glorious leftovers from the other nights friends visit, chilli bread and chilli oil with Boursin for lunch and dinner for me , with a pear on the side as a nod to being healthy 😬 this is the reason I won t be buying nice treats for Xmas until the last minute and only in small amounts, I’ve eaten way too much the last couple of days and I’m supposed to be cutting right back at the moment to kick start the weight loss. If it’s here it’s a stress thinking about not eating it, so best it’s not here…

newgirly

Dh is still out this morning at the new place where all is equipment is going. Should be back around 12 ish then we were going to go and see the new “now you see me” film, I have however just noticed my car insurance runs out today so I need to get the car to ds1’s underground carpark and I’m not even sure he is here, he may well be in Leeds as he is not great at replying to messages 😆 there’s no barrier but I know one of the neighbours parks in his spot 😳

We had a lazy afternnon yesterday, watching tv and dh wanted to make pizzas, they were edible I guess but it was a long messy process and wasn’t the best I’d had, I did however give him some praise, it’s a rare thing him cooking 😆 not very weight loss friendly so I’m expecting bad things at weigh in tomorrow morning…

I’ve done a first draft for the finances next year 😩 will go through again with a coffee this morning to check but it looks like we may be able to cover what we have booked next year just about if we stay frugal but won’t hit the 0% cc debt really. This is all dependant on the factory renting out at some point, I’m basing it on dh paying some money out until March then it stopping. We have a few months and then we would need to feed money in while it’s empty (business rates) but the positive side of me says this won’t happen- it had better not anyway 🤣 

In vinted news I’ve sold about four items this week! 

newgirly

I’m losing it, I swear I posted yesterday! Must not have clicked on plastic at the end 😆

Well it’s cold here, I noticed the heating clicked on when I got up yesterday, it’s set to 14 or in-effect “off” unless I want it on. I see it’s costing £5 a day for it to basically be freezing and not on 😳 I said I would put it on but it does go against the grain as it feels like a waste of money which I know it’s not 😩

I’m spending time either out the house (cinema yesterday) plus more time in my bedroom often with the fan heater on, which I’m assuming is cheaper to have on periodically than heating a drafty three floor house. I think I need to whack the heating on for a couple of days and see what the cost is really is, I’m imagining many hundreds a month, it may not be that bad though. I do have a heated throw but that does encourage sitting around I’ve found 😆 

This morning the Black Friday discounts go live on one of the cruises we have booked next year so I’ll be booking a couple of things, sounds crazy when I’m moaning about the heating costs I know, although it’s perhaps part of the reason I’m trying to be tight right now as we have big plans and a small budget next year 😬