Prosperous soul, mortgage neutrality & creativity Year 2

jwil · 30 March 2023 at 6:28PM

Hope your day was ok in the end. Good luck to DD in getting the car.

savingholmes · 30 March 2023 at 6:49PM

Thanks Jwil, Dancing, FS and Daisy

Picked up the patches on the way home. These ones last for seven days instead of needing changing twice a week. Will see how I go on.

DD still needs to pass her test - so mum's taxi still required... baby steps...

One day left until the weekend! This week has been super busy at work but in it's own way that's been good.

savingholmes · 31 March 2023 at 10:08AM

Yesterday I used a £2 Mr A voucher towards £2.50 orange tulips. They are beautiful.

Today a regular saver matured and gave me £39.30 interest. It all helps. I'm using £1.6K of that towards DD's car once she's chosen one. The rest - £139.30 will top up my other savings where it will get a higher rate.

savingholmes · 1 April 2023 at 10:29AM

I sent £50 to savings yesterday. £25 today. I received over £21 in interest today. I've moved my matured reg saver and transferred £165 of it into a 5% account. I am debating whether to open new savings accounts and if so which. While I'm deciding I've got 1.5% on a current account and up to 3% on another couple of savers... My B saver is almost full. So unless I open an FD account again either Ll or a new H account will be my next focus.

I think at £5,777 (plus DD's car £) this is the most I've ever had in savings especially with minimal to no CC debt. Currently £170 which will be cleared again in 2 weeks. I have more than that in 'float' in my current accounts anyway which cancels out the latter.

In theory DS will start paying me back at £25 per month from April with a view to increasing that once his EF is more established. I plan to use that £ towards my summer holiday. I am still debating how much to spend on that, when is best to go and with whom and exactly where. For affordability reasons I'd need a cottage rather than B&B. If I go with DS though while it will make the driving side of things a breeze it's likely to increase my costs (as we'd want separate rooms) and I don't think he's in a position to pay much towards it. I would hope he could cover the equivalent of his food as he'd have to pay that wherever he was.

Would be a lot easier to enjoy the summer if I manage to shed some weight. My food has been better this week but further to go. May have lost a couple of pounds - but I fluctuate up and down quite quickly so getting it down and keeping it off is key.

It doesn't look like the car thing is happening today as I don't think DD and BIL finalised the arrangements - once I have confirmation - I may go out for the day.