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Ding! Ding! All change, please... (now replaced with new diary on MFW)
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I’m glad the send off would have been one he would have approved of.I was late to the party with Happy Valley but loved it.January spends - £587.583
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Glad the funeral went as well as these events can. We were coming up to London from Cornwall so opposite direction to you and the traffic is much heavier and faster up that way than at home even in silly tourist season.I love Happy Valley and have watched all of it. Sarah Lancashire is brill I think.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
Save £12k in 2025 #1 £12000/£70003 -
I haven’t watched Happy Valley but it’s on my to watch list. I’m always late to the party with TV series. Good to hear your FIL got such a lovely send off.I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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I'm glad that the family created the funeral that your f-I-l would approve of.2
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Hey all - thanks for stopping by!
CL - I can't comment any further on Happy Valley as we've not really been about to watch any more of it! I definitely will do though - I enjoyed the opening episode!
I'm finally starting to feel as though I'm getting my head back in the game here. Went through the CC statement this morning, so I've transferred last month's food account money across (suspiciously under the amount I thought it was going to be...allowing I thought I'd gone over again, this is interesting.) Also done transfers for a couple of things from the weekend, and noted those on this month's email record of payments made. somewhere along the line there is a balancing payment from last month that needed taking account of, so MrEH and I will be splitting that between our personal spends, and there was also one payment of his that he'd never transferred the money for, too. I can now be confident at it will be squared away to zero as at the statement date, which is excellent.
Other than that, banking checked and all good. The long awaited Oyster feeding took place this morning (finally!), and my FD reg saver money came out - as that is now set as a standing order - so all is good there, and still in surplus too. The Oyster should now be good until next month, and it will be wait and see on whether the car needs a fill-up between now and the end of the month- but probably it will. I also need to remember that the joint account has covered the Sant-and-Er regular saver payments this month rather than me taking it from the "feeder" savings account , so I might well want to transfer that money over to the new house fund at some stage.
I do still want to have a bit of a re-vamp of our savings pots I think. There are some where interest rates have dropped, and ideally I could do with getting those changed over. It still feel odd looking at accounts with interest rates around the 1.3% mark and having to remember that those are rubbish now! I've worked o the basis that where the ongoing balances are relatively low, it's not worth me putting too much time into changing things, but where they are higher (so for example things like the car account, and holiday fund, which tend to run at higher balances at least for part of the year) it's worthwhile. Sant-and-er are dreadful for dropping interest rates, so all the stuff I set up there when we changed joint account provider is now in a position where I need to change it back again, annoyingly! I have just transferred a little over £100 from the "ongoing expenses" car account to the main one though - there should (hopefully!) be plenty in the ongoing one to cover my MoT - I need to consider whether I'm going for a service as well. That will need a check on the paperwork to establish I think - I've really done very little mileage in the past year though so it may well not be worth it. (I'm not unduly fussed about missing services based on time now as the car will be with us until well past the point where that has any bearing on value).
Food under control - ish. I have the cottage pie made and ready to go into the oven tonight - it's an unusually indulgent one for us as it used an entire portion of mince all to itself - no lentils were harmed in the making of...This was partly because my larger saucepan was in use with the balance of the mash, and I couldn't be bothered trying to make a double portion of cottage pie base in the smaller pan - sometimes laziness is the way forwards! Omelettes for the win last night - MrEH's with a large jacket tattie alongside (thus getting a starting-to-sprout one dealt with) and mine shoved into a wrap that I liberated from the freezer. This leaves me with 4 eggs in the box still - I may well turn tomorrow night's tea into a shakshuka yet - we'll see. The eggs are on the end of their date though so I want to cram them in somewhere before I feel the need to start checking them for floatiness. I'm veering towards curry for Friday at the moment - using the rest of my greek yogurt for garlic flatbreads to go alongside.
MrEH has rugby training again tomorrow evening, and a game on Saturday too as things stand - I might go to the club after that one - but then again I might well take the weekend as proper recharge time after the very "people heavy" one last weekend. Admittedly that was mostly people I love, but still! (I'm not even going to go INTO witchy SIL's behaviour on the day of the funeral - let's just say that the rest of the family worked incredibly hard to ensure MIL wasn't aware of any of it whilst all quietly fuming to ourselves!)
Reckon that's about it for now - happy hump-day all!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her9 -
Have you thought about using the last 4 eggs in your curry on Friday? We occasionally have an egg curry for a change but not often as DH definitely prefers something with meat!
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I have occasionally made Madhur Jaffrey's hard-boiled egg masala. Easy & cheap.
F2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (29/100)
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)4 -
Gosh you seem to have so many different accounts...feeder accounts, going into main accounts and "on going" car accounts into main ones....lol. How do you remember it all? I must admit though, I need to sit down and take a good hard look at ours and see how I can improve things.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,964
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £730/£3000
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Fiver Friday '25 #10 £10
Studies/surveys July £31.25
Decluttering items 728
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
@EssexHebridean you are indeed back in the game! Hope this isn't too painful a story for anyone but your comment re witchy (quichey if autocorrect has its way!) SIL reminded me. At the funeral of a dear friend's dad, her BIL tried to replace one of the pallbearers...as they were about to process into the church. We put it down to grief and social uncertainty but it will never leave me. You're doing brilliantly love Humdinger xx3
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Oh Shakshuka - love it. Joe Wicks does a lovely recipe with chorizo (not sure if that’s traditional but it works) and I always make some for the freezer tooCredit Card 1 - £6249.99 £4,900
Credit Card 2 - £13,481.47 £12,985
Total debt - £19,731.46 £17,885
Emergency fund £9303
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