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Dilemma, Dilemma, Dilemma

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  • Hello Saturday, 

    Its been a very busy week in the hive, working full time and back to back trips to the city. It wasn't meant to be this way but it was just how it evolved. 

    The kids are back with me this weekend and we are hoping for a bit of dry weather to have a bonfire night. We were originally meant to be hosting a mini family gathering with my nieces but the twins are having some regular jabs that are not compatible with OH so thats had to be cancelled. With my partners situ we have to be careful anyway but this time of year with winter bugs really brings it home how careful we really have to be and we are finding ourselves becoming more clued up on vaccines and whether they are dead virus or live virus. Its also meant having to make special arrangements for the kids to have the flu jab rather than the nasal spray as this would put my partner at risk. 

    This morning i was awake early and made most of the opportunity to catch up with surveys. Still have some to complete but its something. I find nowadays I struggle to find the time to do them so this was nice. 

    There is no real updates moneywise. I'm in a hole and have found Nov to be an expensive month. But the outstanding bills for the kids are now sorted and im going to have a little break in the travels so that should help a little. Christmas gifts haven't started shopping yet. It'll be focused on the kids and making it a nice thing. I'm thinking of how I can get myself in the festive mood on the cheap. Quite fancy buying some citrus fruits and baking them in the oven to produce dried fruit garlands. 
    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £103,899.61 / £122,400.00 Overpayment total: £1,071.14 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 27%

    2). #7 Save 1p a day challenge 2025 £360/£780

    3). £2,249.06/£3000 in Investment ISA (35/50 investments)

    4). Increase cash savings & saving pots

    5). Keep debt to a minimum.

    Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump
  • Ooh let me know how you get on with drying the citrus fruits. I always see them at Xmas fayres and think they're overpriced and I could do that myself. (Then don't do it).

    Xmas doesn't have to be expensive if you're struggling. For years I have just done four main presents for all three kids (sometimes I buy extra but as long as I have those four I feel like it's going ok 🤣) something to wear, something they need and want and something to read. In the stockings I usually did plenty to eat so they would leave me alone for a snooze after waking me at 5am ....🤣 I think that covered most things they could want or need 😊.
  • dawnybabes
    dawnybabes Posts: 3,545 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I sliced oranges and lemons last year and dried them out on the top of a radiator, house smelt lush whilst they dried out, then I threaded them with some cinnamon sticks to make a garland. 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,242 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 11 November at 5:58AM
    Hi Tuesday, 

    After a period of reflection and being not the right headspace, I am pleased to say I feel brighter and having a better week so far. Although I spoiled it by eating crappy food last night and didn't have the best sleep.You'd think I'd know better as a middle aged woman, hey ho! Today is a normal working day. Its also dance class night and I am going to go for a jog too. 

    One of the things I feel a bit spurred on to do at the moment is re-engaging with surveys. I used to aim for £25 mp/m on Prolific and to build my pots on others which I was registered. This year I have been so busy a lot of that has gone out of the window but as am in a quieter period its time to start again. Yesterday morning I managed to add £7 to the pot with 2 good paying surveys. Nothing so far today but am using my morning time before work to continue going through surveys in my inbox. All the money from Proliifc I try to add to "Reno & Refurb" account for home. Its got £510.56 so far. 
    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £103,899.61 / £122,400.00 Overpayment total: £1,071.14 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 27%

    2). #7 Save 1p a day challenge 2025 £360/£780

    3). £2,249.06/£3000 in Investment ISA (35/50 investments)

    4). Increase cash savings & saving pots

    5). Keep debt to a minimum.

    Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,242 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 13 November at 9:14PM
    Its the 13th of the month and time to celebrate the little wins this month! 

    * Hit the 200k on total pension savings. 
    * Total debt inc mortgage has reduced by £385. This was not a much as previous months but there was extra expenses due to half term and kids needing some kit. 
    * Savings are up too but so is the credit card debt so it kinda cancels itself out.

    In a better headspace and enjoying Thursday evening. 

    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £103,899.61 / £122,400.00 Overpayment total: £1,071.14 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 27%

    2). #7 Save 1p a day challenge 2025 £360/£780

    3). £2,249.06/£3000 in Investment ISA (35/50 investments)

    4). Increase cash savings & saving pots

    5). Keep debt to a minimum.

    Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,871 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I've recently started on surveys again after having a few months where I just couldn't bare to sit through a single one 🙈🤣. It's helping to rebuild my EF ...that and cashback sites are really helpful for a bit of extra income here and there. 
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,242 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I've recently started on surveys again after having a few months where I just couldn't bare to sit through a single one 🙈🤣. It's helping to rebuild my EF ...that and cashback sites are really helpful for a bit of extra income here and there. 

    Morning @debtfreewannabe321 I totally agree, its lots of little bits that can make the difference. Good luck on building your EF! 
    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £103,899.61 / £122,400.00 Overpayment total: £1,071.14 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 27%

    2). #7 Save 1p a day challenge 2025 £360/£780

    3). £2,249.06/£3000 in Investment ISA (35/50 investments)

    4). Increase cash savings & saving pots

    5). Keep debt to a minimum.

    Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,242 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited Today at 8:20AM
    Its FRIDAY!

    Woke up disgustingly early and instead of going back to sleep I decided to embrace the time and enjoyed Celeb race around the world & got some work done to put me ahead for the start of the working day, There are deadlines we have to meet today and I still have work to do so this is a positive. I'll probably need a nap at lunchtime but this is one of the advantages of WFH. I do tend to do over and above my hours, no slacking in the hive! 

    This mornings "dawn calling" also meant I was able to do two short Prolific studies. Monthly total in the pot so far is £10.54 with £1.45 pending! Yay go me! Well on the way to £25 monthly target for Nov. 
    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £103,899.61 / £122,400.00 Overpayment total: £1,071.14 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 27%

    2). #7 Save 1p a day challenge 2025 £360/£780

    3). £2,249.06/£3000 in Investment ISA (35/50 investments)

    4). Increase cash savings & saving pots

    5). Keep debt to a minimum.

    Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump
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