📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

MeandO's money-shuffling

Options
1303133353693

Comments

  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    The weather has been wild today! Lots of standing water on the roads. Made sure my son knew to be very careful driving to work. (He is 18 and only past his test a month ago!)
    Debt free Feb 2021 🎉
  • MeandO
    MeandO Posts: 3,238 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    edited 3 January 2024 at 12:31AM
    We’ve had horrendous weather today too Elisheba and drawingaline, with lots of flooding around. I hope your son took care on the roads, @Drawingaline
    Our street floods but thankfully it hasn’t ever made it up to any houses as far as I know, just the road and pavement. It makes me nervous for the future though. The route we have to take to my parents house was in the amber warning zone all the way and as much as I’d like to have been there by now, I’m glad we didn’t set off in this storm. 

    I was kindly given some &ldi gift vouchers for Christmas (we do practical gifts in my family ;) ) so I’ve sent £25 to the mortgage from the funds I’d already allocated to the grocery budget to offset one of those. I may do the same with another one later in the month but I don’t want to leave the bank account too low in the meantime. The mortgage now stands at £68,565.

    We had to pop out earlier for milk and bread as we’d completely run out. I picked up a couple of other bits on offer and spent £5.08 in total. Unfortunately not Aldo, so I couldn’t use the voucher, so it’s come out of the grocery budget.

    DS has come back from a few days at his Dad’s looking absolutely wiped out with tiredness, wearing filthy clothes as he said there’s no clean clothes there, and with unwashed, greasy hair as they apparently haven’t fixed their shower 3 years on from it breaking down. The first thing he did when he came home was to take a hot shower and put on clean clothes. He’s actually been asking to go to bed early tonight as he feels so exhausted due to lack of sleep at his Dad’s, so it’ll be an early night for us both tonight. Oh, and his father also handed me two sets of unwashed, stinking school uniform back to me from before the Christmas break. How lovely. 😒  I really do question what my younger self was ever thinking… 
    Mortgage @ 03/2019: £125,000, Now: £51,706.16
    Mortgage OP’s: £20,691.73
    Remaining 10% OP allowance 2025: £1327.55
  • badmemory
    badmemory Posts: 9,661 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    MeandO said:
      I really do question what my younger self was ever thinking… 
    Well join the club.  The bit that is really scary though is that when they get older (mine is now in his 40s) and you look at them & wonder if they are following in their footsteps.  Thankfully mine hasn't.  But I had a few OMG moments when he was in his late teens.

  • MeandO
    MeandO Posts: 3,238 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    edited 3 January 2024 at 12:31AM
    He is very much like his father in some ways badmemory, but for now, and I am hoping for the future too, he has a lot more grace, compassion and kindness than his father. He is not a selfish soul whereas his father is only ever concerned about himself, so I’m praying that continues. The more time he spends with my family and away from his father’s environment, the happier and more relaxed he seems to be. It says a lot really. 
    Mortgage @ 03/2019: £125,000, Now: £51,706.16
    Mortgage OP’s: £20,691.73
    Remaining 10% OP allowance 2025: £1327.55
  • MeandO
    MeandO Posts: 3,238 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Looking at my signature, I just realised that I hadn’t updated the mortgage OP’s to 2024, so have reset the total to zero again and added the OPs so far this year which total £33.15. I sent around £1940 in OP’s to the mortgage in 2023 which is annoying as I would have found the extra £60 to make it up to £2K if I’d paid attention to the totals before the end of the year, so I’d like to aim for £2000 in 2024. £100 gets swept to the mortgage every pay day as a regular OP so I need to find another £800 to reach my target. 
    Mortgage @ 03/2019: £125,000, Now: £51,706.16
    Mortgage OP’s: £20,691.73
    Remaining 10% OP allowance 2025: £1327.55
  • Sorry to read about the Velux window and radiator issues. Hope they are easily fixed. 

    Hope you have a wonderful time with your parents.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Elisheba
    Elisheba Posts: 1,790 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    MeandO said:
      I really do question what my younger self was ever thinking… 
    Ah, if only we could go back and have words with our younger selves!  Still, you have DS from it all so I suppose you wouldn't change things even if you could.  
    Live the good life where you have been planted.
    Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary
  • MeandO
    MeandO Posts: 3,238 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Thank you HSL2 and Elisheba, yes, wouldn't change DS for the world. 

    Unfortunately we're not going to be able to go to my parents today, possibly at all now, despite the sky being blue and (slightly) sunny here today. DS was up most of the night with a horrible hacking cough and we've had no more than a couple of hours of sleep. I couldn't physically drive that trip today without falling asleep and we can't risk giving this cough to my parents. I'm gutted as we're not going to get chance to see them for some time now. :(
    Mortgage @ 03/2019: £125,000, Now: £51,706.16
    Mortgage OP’s: £20,691.73
    Remaining 10% OP allowance 2025: £1327.55
  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    So sorry you can't get to see your parents.  Hope DS cough clears up  quickly.  Take care of yourself.  (((hugs))) X
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • So sorry to hear that you won’t now see your parents. Hope your sons cough disappears. The weather is miserable I’m totally fed up with it xx
    2025 Decluttering 10472⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
    2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.