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Ding! Ding! All change, please...

in Debt free diaries
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  • luciellelucielle Forumite
    9.9K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Sorry to hear about the house. Have you tried any more leaflets?  Would you consider putting it on Facebook?  
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Makingabobor2Makingabobor2 Forumite
    1.7K Posts
    1,000 Posts Photogenic Name Dropper
    Onwards and upwards with the house hunting and selling. Our neighbour still not had any more viewers that we've noticed and his house has been on market 6 months now. But TBH, nobody with any sense would want to live in our road...lol. 
    Making the debt go down and the savings go up, one day at a time.

    LBM 2015 - debt £57K / May '23 now £34,568

    Mortgage at 1st May 2023  £26,081 (Officially finishes June 2026, but plan to get MF well before that....watch this space)
    Total Mortgage Overpayments in 2022 was £240. 
    Total Overpayments so far in 2023 is £70

    EF #68 £100/£1000
    Christmas 2023 #3  £5/£365 (as I am saving for Christmas & birthdays, total will fluctuate through the year)
    Penny a day 2023 #12 £100.57/£667.95
    Make £5 a day -   June £5.51/£150

    NSDs for June  0 /12

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-down-the-savings-up

  • EssexHebrideanEssexHebridean Forumite
    18.4K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Right then - general update. The end of the month hoves into view, and the cashback on the bank account has turned up - a teeny 76p this month thanks to no council tax and water rates payments - but that is after the fee, so it's still 76p in my pocket for doing precisely nothing that I wouldn't have done anyway - which is a win. There will be a surplus in the joint account this month - how much it will be will depend on whether I can get away with putting off one or other car for refuelling until the weekend though. Current gut feeling is that if I use my own car for the commute tomorrow, as it will need filling up before Friday in any event, then that means MrEH's car doesn't need fuel until probably Sunday - and we should then have in the region of £150 surplus left - that will get shuffled across to the New House Fund. 

    There is shortly going to be some more spendiness (don't throw me out for being a bad MSE'er please!)  - as I've been saying for a while that I wanted to use some of my Great Aunt's money to replace our current jointly owned laptop with a personal one specced up for photo processing. Frustratingly the existing one - which we only bought at the  beginning of lockdown - has never really performed as it should have done, and has been getting progressively slower and slower - it's now close to impossible to use for my stuff! I've had a good comparison of a few different D3ll models - and have now found what looks like it will be a decent option for me, so that will be being ordered. I'll be going through TCB of course, and the one I've chosen also happens to currently be on special offer as well. A good friend already has a very similar machine and has been pleased with it, so I'm hopeful that this time round might be the right one! MrEH is of the view that this should be a joint expense - as he will gain the earlier purchase for sole use. My current feeling is that I'll probably go 50/50 on it - but will need to work out where the balance of the joint funds are coming from. I'll also need to add another external Hard Drive ahead of the start of the airshow season too - I need to check whether my current ones are 2tb or 4. At some stage I will also need to go through the pain of ensuring that everything on the old laptop is saved back - that probably won't be much fun! :lol: 

    I've had a bit more of a play with the new camera at lunchtime - a few teething issues currently but I've been doing some reading and discovered some tweaks I will make later before having another go after work. I'm going to have a go at getting some shots of the goslings over at the lake this evening - so the silent shutter will potentially come in handy! (I've only got a 50mm lens with me so I'm not expecting any particularly spectacular results, mind - it's really just familiarisation at the moment).

    I need to set aside some time at the weekend for cooking I think - I want to soak and batch cook some more chickpeas as I used the last tub of frozen ones last night. I've got plans to make a loaded cauli mac & cheese for sunday dinner I think - and might make a second one for a dinner in the week too - I think the cauli I have is large enough. I'll be cooking up some chunks of black pudding to add to that along with bacon and probably a little chorizo more for flavour than anything else, and might grab a ball of mozzarella to thinly slice on the top too. I can probably cook the black pudding at the same time as I cook the slices for tea on Friday - that means I can cool it so it is easier to chop up and won't crumble as much. Must have a think about anything else I want to add to the list for a mammoth cook-off as well.  The plan is to keep shopping to a minimum again this weekend after an expensive one last week, too!  should be doable as we are now pretty well stocked...but I've said that before! 

    🎉 MORTGAGE FREE 30/09/2016 🎉
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    2023 "Gym Neutral Fund" - £89.99/£280 (Membership taken 01/2/23)🏋🏻♀️ 2023/24 Gym cost per use: at 03/05/23 £23.33 per visit! (12) 🏋🏻♀️
  • DawnWDawnW Forumite
    7.3K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I have a Santand*r regular saver about to mature, and the 'new' interest rate looks pretty shabby, so I shan't be starting another.
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