Mints, Marzipan and Praline chocolate

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  • IndiJonesi
    IndiJonesi Posts: 505
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    I forgot to write about what was on my mind last night...I want to opt out of birthday and Christmas present buying/receiving.  My SiL has already purchased my birthday present and my birthday is near the end of the year.  I'm going to cause offence when I broach this with some of my friends/family but it's something that I want to extract myself from having to do.  When I get on top of my finances I want to start selling my belongings and so to receive more things from people just adds more stuff to my life which goes against my trying to get rid of all the stuff that I already have.  I would be much happier if they used what they were going to spend on me for themselves and I can do likewise i.e paying off my debt/adding to my savings.  Something else that is to be done that fills me with dread.
    I am completely with you on this. Our families don't know the extent of our debt and too be perfectly honest I don't want to tell them either. There is this expectation in our family too that we spend around £100 on each other for Christmas and £50 on birthdays. I've tried to manage it better this year by giving gifts rather than cash in the hope I can find a better deal on it or by getting some cash back but I don't like buying gifts that I'm not sure people want as I don't appreciate it when thats done to me. I think I'm going to suck it up for this year but at Christmas time, I'll say I'm not doing it next year.
    @outoftheviciouscircle I was buying a birthday card yesterday for a friend and I will send it. along with a voucher at the end of next month.  That should be the last one that I have to do.  I don't have family to buy for on my side and I will pass the buck to DH to do whatever he pleases with regard to presents for his family.  Good luck with managing all that for yourself next year.  The amounts of money you are paying toward these events are pretty substantial.  I have just finished reading your diary and it is pretty good indeed I must say; like reading a good book.  I like the sound of your Mum and the things you do at hers (especially hanging the washing out) but it is quite off that you get stung for overpaying at you in-laws events.  Rotters!  You have done very well on the overpayments, very impressive/inspiring x  
  • IndiJonesi
    IndiJonesi Posts: 505
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    CC2
    £6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83 / 191.02 (35.73%) - Day 10 of 28
    £0 / £187.12
    £0 / £187.12
    £0 / £187.12

    CC1
    £489.09 TCC - 11/22 - £7.00+£10.45+£200+£7.98+£8.20+£5.10+£25.50+£9.00+£3.95+£131.33 / £489.09 (83.52%) - Day 10 of 17
    £538.78 TCC - 12/22
    £171.95 TCC - 01/23
    £171.00 TCC - 02/23
    £402.43 TCC - 04/23
    £259.26 TCC - 05/23
    £136.70 TCC - 06/23
    £100.39 TCC - 06/22 - paid in full 28/05/23
    £492.21 TCC - 07/22 - paid in full 28/05/23
    £249.89 TCC - 08/22 - paid in full 28/05/23
    £212.22 TCC - 09/22 - paid in full
    £344.67 TCC - 10/22 - paid in full
  • IndiJonesi
    IndiJonesi Posts: 505
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    edited 28 June 2023 at 10:19AM
    Savings update 

    Cash Stuffing Challenge
    1st week - Envelopes 52 and 51 = £103.00 
    2nd week - Envelopes 5 and 50 = £55.00
    Total = £158 /£1378.00 (11.47%)

    365 day 1p challenge
    1st week - 52p 
    2nd week - 60p
    Total - £1.12 / £667.95 (0.17%)
  • IndiJonesi
    IndiJonesi Posts: 505
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    edited 28 June 2023 at 10:19AM
    I was asked to move the start time of my shift yesterday, which I agreed to.  I booked on last night only to be told that my job had been cancelled.  That meant that I was able to get finished earlier than I had anticipated, which was a positive result.  I was working on rostering in the afternoon (DH business)  so that that can be handed over this week.  We managed to get two weeks done yesterday and will be aiming to get through to the end of August this afternoon before we both have to go out to work.  The staff has changed somewhat within DH business and they have changed the rostering system that I had in place.  They want to keep the same days off each week (most of the time) which means they are almost always working weekends (some of them).  It has certainly simplified the whole process, which is great.  The smoother that all goes, the better.

    Savings are coming along with the official and the unofficial challenges and I am still PADding daily.  I have had a good few NSD's too, which certainly helps.  I paid my parking fine yesterday, was £100 charge but if paid within 14 days of the issue date, the charge was reduced to £60.00 .  The issue date was 13th June and I accessed their website yesterday but was still charged £100.00.  There is a phone number for contact but I have not yet attempted that.  

    I did a bank switch a few weeks ago but still have to download the app, put on two direct debits and run a certain amount of money through the account before I get the bonus.  Must get this done tomorrow so that I don't miss out.

    That's all for today, Indi x
  • IndiJonesi
    IndiJonesi Posts: 505
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    Not got much of an update today.  Yesterday felt like a long day.  Did rostering in the afternoon and then went out and did my own shift at night, finishing early hours of the morning.  Watched some telly to try and unwind and I'm when I've finished writing here, I'm going to finish what I started watching (The Old Guard).  On the financials, have just paid the following:

    CC2
    £6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82 / 191.02 (39.3%) - Day 11 of 28
    £0 / £187.12
    £0 / £187.12
    £0 / £187.12

    CC1
    £489.09 TCC - 11/22 - £7.00+£10.45+£200+£7.98+£8.20+£5.10+£25.50+£9.00+£3.95+£131.33+£19.54 / £489.09 (87.52%) - Day 10 of 17
    £538.78 TCC - 12/22
    £171.95 TCC - 01/23
    £171.00 TCC - 02/23
    £402.43 TCC - 04/23
    £259.26 TCC - 05/23
    £136.70 TCC - 06/23
    £100.39 TCC - 06/22 - paid in full 28/05/23
    £492.21 TCC - 07/22 - paid in full 28/05/23
    £249.89 TCC - 08/22 - paid in full 28/05/23
    £212.22 TCC - 09/22 - paid in full
    £344.67 TCC - 10/22 - paid in full

    No overtime today, which is most probably a good thing.  I am done in.  More rostering today, floats to be done, wages to be done, bank account to be set up for the switching bonus.  Other admin required for DH business.  Back to my own job tomorrow but I took an annual leave day for Saturday.  I have a week booked off at the end of July and one of my friends, with her daughter, is coming to stay.  I am looking forward to getting a break from work.
  • IndiJonesi
    IndiJonesi Posts: 505
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    Last day of the month and what a month it has been.  I have been fortunate on the overtime front and fortunate on what I have been able to pay daily towards debts.  The NSD challenge has been really helpful as it focuses my mind when it comes to spending habits.  My food intake has changed for the better as there has been a significant reduction in sugar and carbs in my diet.  I have consciously withdrawn money from my current account to physically put towards my savings with the challenges that I signed up for and I enjoy seeing the total amount of the savings increasing weekly.  Being able to write about it here allows me to go back and read where I was at the beginning of the month and compare it to where I am now, which helps.  So the last financial update for this month is:

    CC2
    £6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83 / 191.02 (42.88%) - Day 12 of 28
    £0 / £187.12
    £0 / £187.12
    £0 / £187.12

    CC1
    £489.09 TCC - 11/22 - £7.00+£10.45+£200+£7.98+£8.20+£5.10+£25.50+£9.00+£3.95+£131.33+£19.54+£8.70 / £489.09 (89.3%) - Day 12 of 17
    £538.78 TCC - 12/22
    £171.95 TCC - 01/23
    £171.00 TCC - 02/23
    £402.43 TCC - 04/23
    £259.26 TCC - 05/23
    £136.70 TCC - 06/23
    £100.39 TCC - 06/22 - paid in full 28/05/23
    £492.21 TCC - 07/22 - paid in full 28/05/23
    £249.89 TCC - 08/22 - paid in full 28/05/23
    £212.22 TCC - 09/22 - paid in full
    £344.67 TCC - 10/22 - paid in full

    Thanks be for experiencing June as it was. 
  • redofromstart
    redofromstart Posts: 3,920
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    Great progress- are you going to carry on?
  • IndiJonesi
    IndiJonesi Posts: 505
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    Great progress- are you going to carry on?
    Thank you @redofromstart, yes, I'm going to commit to overtime working, NSD's and PADding for July also.  
  • IndiJonesi
    IndiJonesi Posts: 505
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    New month starting and now just over half way through the year.  July is one of my favourite months.  It reminds me of when I was a child and how much I loved being free from the constraints of school, as July was school holiday time.  We used to cut our jeans into shorts and go swimming up the river.  The weather was warm and it was just so idyllic.  No holidays abroad, or UK for that matter, just left to our own devices and I loved it.

    I broached my course application with DH this morning, but he just laughed.  I was attempting to lay the foundation of letting him know that he is going to have to employ somebody to do the work that I am currently doing, as come September, I won't have the time.  Perhaps the penny will drop when he is at work today.

    PAD's made today and detailed below.  Just another four payments required on CC1 month Nov/22.

    CC2
    £6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83 +£6.82 / 191.02 (46.45%) - Day 13 of 28
    £0 / £187.12
    £0 / £187.12
    £0 / £187.12

    CC1
    £489.09 TCC - 11/22 - £7.00+£10.45+£200+£7.98+£8.20+£5.10+£25.50+£9.00+£3.95+£131.33+£19.54+£8.70+£32.30 / £489.09 (95.9%) - Day 13 of 17
    £538.78 TCC - 12/22
    £171.95 TCC - 01/23
    £171.00 TCC - 02/23
    £402.43 TCC - 04/23
    £259.26 TCC - 05/23
    £136.70 TCC - 06/23
    £100.39 TCC - 06/22 - paid in full 28/05/23
    £492.21 TCC - 07/22 - paid in full 28/05/23
    £249.89 TCC - 08/22 - paid in full 28/05/23
    £212.22 TCC - 09/22 - paid in full
    £344.67 TCC - 10/22 - paid in full
  • IndiJonesi
    IndiJonesi Posts: 505
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    I spent my formative years in a small village and I was thinking about this yesterday.  My mother and father both worked full-time and a woman that stayed over the back from us used to look after me.  There was a factory in the village and a hooter sounded in the morning, at dinner time and again at tea-time.  I remember my mother telling me "c'mon, there's the hooter, we need to go".  From memory, I think the first one sounded at 7.45am to let you know that it was almost time to start work and then the second sounded at 8.00am to let you know that the work day had commenced.  I can't remember the timings of the dinner-time hooter, but the tea-time one went at quarter to five.  I liked watching the men coming and going from work.  The village was split in half by a river and the majority of the housing on my side of the river was social, whereas the majority of the housing on the other side was factory housing.  I don't know what or who determined tenancies in the factory houses on the other side of the river but I knew how "Staff Road" worked.  Staff Road consisted of mainly detached houses and only factory managers were allowed to occupy those houses.  I was taught to "be in awe" of managers as they were deemed to be important people.  My mother worked in the factory but my father did not.  My parents did not earn enough to be able to afford a vehicle so my father stood on the roadside every morning and hitched his way to work and the same again coming home.  That was in the early seventies.

    Back to the present, my PAD's for today have been made and I am out on overtime later on.  I had an annual leave day yesterday and did absolutely nothing.  I watched some telly - The Substitute - which was okay, but I did keep dozing off whilst watching.

    Finance update is as follows:

    CC2
    £6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83+£6.82+£6.83 +£6.82+£6.83 / 191.02 (50%) - Day 14 of 28
    £0 / £187.12
    £0 / £187.12
    £0 / £187.12

    CC1
    £489.09 TCC - 11/22 - £7.00+£10.45+£200+£7.98+£8.20+£5.10+£25.50+£9.00+£3.95+£131.33+£19.54+£8.70+£32.30+£10.66 / £489.09 (98.08%) - Day 14 of 17
    £538.78 TCC - 12/22
    £171.95 TCC - 01/23
    £171.00 TCC - 02/23
    £402.43 TCC - 04/23
    £259.26 TCC - 05/23
    £136.70 TCC - 06/23
    £100.39 TCC - 06/22 - paid in full 28/05/23
    £492.21 TCC - 07/22 - paid in full 28/05/23
    £249.89 TCC - 08/22 - paid in full 28/05/23
    £212.22 TCC - 09/22 - paid in full
    £344.67 TCC - 10/22 - paid in full

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