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Saving lots in pots!
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morning starshineA bit dreary here and Im still in bed. Having a very lazy day me thinks. I have no work today and nothing at MUST be done. So taking it easy, I will do some healing work and some of my course. I fifnished one, it was very short and a refresher, but not much new. The other 2 seem much more exciting and uselful.I am on my own today, just the doogo with me. SO peaceful and so rare!!I popped to the SM yesterday and bought a few bits for tea last night and teat tonight which will be mackrel, flavoured rice and a big salad. So nice to have that sorted out, not used to cooking for 3, thats very weird!🪷🪷Gratefuls🪷🪷. time to relax. time to learn something new and exciting. time to make freah soup for lunch. time to think about future plans. time to drink coffee and snuggle the doggo. time to wander around the garden♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸⭐My rambling savings Diary ~⭐1
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Another dreay day today, just seen from my DD that her busy is delayed, it's sound take 45 minutes, but she's just arrived and it took 2 hours and 10 mins, she's very late for her first class, missing over half of it! I how this won't stress her out too much.
Today,
Will try and get out inti the garden if it I is dry.
Also want to try something out in the studio
Tea tonight will probably be pasta, that's our usual Wednesday tea!
🏵️🏵️Gratefuls 🏵️🏵️
. Another calm day here
. Mobile phones, so greatful I can be in contact with my children when they are not at home (obviously this means they have to actually answer calls / msgs!,,! ) I would feel alot more seperate from them if I couldn't contact them! Or know that they can contact me!!
. The new fb group ive joined, it has opened up a new ways which can be used in my healing work
♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸⭐My rambling savings Diary ~⭐1 -
Friday - again!
These weeks are flying by
My poor DD is having bus nightmares. They are doing motorway works and closing slips tied here and there which of course means diverted traffic, which is causing so many issues in the town where she goes to college. Wednesday it took 2 hours to get in and 3 hours to get home. When it should be 45 mins each way ( which is long enough for 6 miles!!)
Yesterday I was able to collect her early, before rush hours so they helped. Not sure yet about today!
Yesterday I had a dental appointment to start work on a root filling through a crown. I was well numbed up and it didn't hurt, but crikey there was such an ache from keeping my mouth open for 1 and 1/12 hours!!!
I used my headphones and listened to a meditation while I was in there and it definetly helped to distract me! This morning I can barely feel it, although it feels tender when I touch my jaw not really surprising mind.
So today I am taking DS1 GF to the dentist! She had come back from uni for this app, unfortunately it's in the same place as. Dds college, I'm hoping by 10am the traffic will not be as bad!
And shock horror DS1 has an interview this morning. Fingers crossed he gets it and can cope with it. I think it's only seasonal. But anything will do and then at least next year he will have some work on his cv!
Time to look at my accounts and do s round up! Bit ashamed and def need the accountability on here!
Friday round up tine,
unfortunately I've been a bit spendy and some pots were raided!!! Oops!
EF £2990 /£3000.Very, very nearly there
Buffer ✨✨ shiny new pot! ✨✨£40. I hate going into the. EF so I want to have another out which I can dip into. That's dip into and not raid! Partly needed because i have different work loads from week to week so keeping a bit extra on a good week should help on a lean week!!
Tax pot this has about half what it needs, shocking!
Xmas FULLY Funded and ready to spend,!!
Doggo, this got raided and is not being put back £140 /£200
Car £160- this is a sinking fund and it's where it should be after paying all the car bits
Health pot, I've recently restarted this one £20 /£200
Pension £150 added this in Oct so far
Envelope challenge. Bit behind on this, but added 42 and 30.
Reflection, I stayed in a hotel when I took Ds2 to uni. Also when we went to a concert in London with DD and the train and food etc. And then I also had another weekend away for my meditation group. So I've been overstretched and work has not been as busy.
Plus I've had to pay for half of my tooth (£350) which is sitting in the credit card at the moment.
Also DS1 had good birthday next week so I need to work out a plan for that.
I can see I need a pot for my weekends away, that would definetly help!
♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸⭐My rambling savings Diary ~⭐3 -
saturday~ mostly feeling toothachy! it was fine the first night, but by friday teatime it had begun to swell and hurt!so im dosed up with painkillers and really hoping that it settles down. i dont want to have go back to the dentist for antibiotics.Have however managed to spent the morning with DH cleaning the lounge. The whole house is in such a state, but at least the lounge is properly cleaned.Also made some decisions; the sofa is too big and too heavy to move, we've had to move it a lot, as we've had carpet moths!! we want smaller, more moveable sofas that are raised up slighty, removing the dark hidden spaces that moths love!! and also the dog has stained the sofa . DH is trying to steam clean it. then we are going to try and sell it cheaply and buy something second hand which, probably leather. maybe a coupls of smaller sofas rather than this massive corner sofa!♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸⭐My rambling savings Diary ~⭐2
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Oh dear!
I ended up in hospital!
That tooth I had root canal on, became an abscess and got very angry, very quick. My face was swelling so fast!
Anyhow after 2 trip to. A and e a 111 call and an emergency dentist, they realised the swelling was escalating down my neck / throat and so I had an op this morning to remove abscess and poor tooth ( the one I was trying hard to save 😂😂)
Now feeling better, in a bit less pain and swelling has begun to go down, hopefully I will be able to open my mouth to drink properly soon!!
Unfortunately my. DH had to Cancel all my work this week, so no pennies coming in at all.
Never mind I will hopefully do them all next week, health comes first, and anyway they're was no choice!
💕💕💕💕♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸⭐My rambling savings Diary ~⭐2 -
Oh no!! I hope it is all better soon. Thank goodness they dealt with it asap. I hope you're all mended soon, nothing worse than toothache and not being able to eat/ drink properly.MORTGAGE BALANCE January 1st £99224.13 🤨 September 1st £120, 615.59 😬Emergency Fund goals:- £2561.91/3000
MOP goals:- £85/ 1000 (before August '25)
SnowBallFund:- £489.05/1300 (before March '25)
New house, new jobs, new debts 😒
Car- 0/12386
Carpet -0/1500
CC - 0/1792 Paid 🥳👏
Car Ins- £434 Paid 🥳👏
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Thank goodness they got you in straight away and treated it Flowers. Hope it heals quickly and you feel better soon 💐0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p10 -
Yowsers! That sounds horrendous. Glad it got sorted quickly and hope you heal swiftly.KKAs at 16.10.24:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £245,528
- OPs to mortgage = £7,173, Interest saved £2,658 to date
- LTV 51% @ccord, 51% Yopa
Fixed rate 2.17% ends October 2024
Read 43 books of target 52 in 2024 (as @ 21st November)
Produce tracker: £200 of £300
Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality.0 -
And home, battered and bruised and very very tired, but home.
The NHS are amazing and I am so, sogreatful to all the staff, the whole team: Dr's, nurses, anthestists, porters, healthcare assistants, caterers.
So appreciative right now
But also did I mention knackered! Hospitals are so noisy at night!♥️ Your thoughts are incredibly powerful. Choose yours wisely ♥️ = Dr Joe Dispenza =🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2024🎖️🎖️🎖️🏅🏅🥇⭐🌸 DS2🏅🏅DD 🥇🌸⭐My rambling savings Diary ~⭐3 -
~FlowerPot~ said:And home, battered and bruised and very very tired, but home.
The NHS are amazing and I am so, sogreatful to all the staff, the whole team: Dr's, nurses, anthestists, porters, healthcare assistants, caterers.
So appreciative right now
But also did I mention knackered! Hospitals are so noisy at night!Glad you are safely home 😊 Be gentle with yourself and rest, yes?
KKAs at 16.10.24:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £245,528
- OPs to mortgage = £7,173, Interest saved £2,658 to date
- LTV 51% @ccord, 51% Yopa
Fixed rate 2.17% ends October 2024
Read 43 books of target 52 in 2024 (as @ 21st November)
Produce tracker: £200 of £300
Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality.1
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