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An in-between phase
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Happy July everyone!
My June assessment:
Thank you meal out for mum, will go halves with Mr PIP so I need approx £50- DONE, thank you Ernie
Save/find/win approx £250 for Mr PIP's birthday next month DONE, thank you Ernie and past me for putting £25 a month for a year in a savings account that matured in June. All allocated now but I needed it now and that's a good enough return for me atm
Sort out our vinteds, ebays, and ziffits piles-
Um yeah. We have, tbf, had a whole flat move to sort out with extra effort needing to go on bits we wouldn't have prioritised because of the 'flat share' aspect.
Mr PIP has done ziffiting and has enough to cash out but we're waiting a wee while in case a bonus code occurs soon. I have done ziffiting and am nearly at cash out point and particularly pleased cos they're largely books that were previously rejected.
Next priority should be vinted as we really need to sort out where our clothes actually live but that means doing the big job of me having a big sort out, which I do not yet have physical or emotional energy to do.
Our co-study/office is a tip so going to prioritise getting stuff listed on ebay and hopefully that'll give us a few quid in the flat pot (and nicer working space)
Put up with or scrounge bits we need for flat rather than spend money-
We had two lairy octopus hooks in the useful things bag so put those up instead of spending money on a pretty coat hook rail.
Mr PIP's dad cut us shelves for bathroom so a lesser spend for coating oil and basic (sob) brackets
Friend paid for a clock as a gift.
Still want three more clocks (I'm a firm believer of one in every room) so will have a look round charity shops and money will come from my monthly budget
Would be nice to win a radio or two but not going to spend money on them, my small chargeable one that mostly lives in the bathroom can be easily carried around the flat
Keeping an eye out on Olio for a couple of lampshades but not urgent
Wipe and sell ipad
Buttons on coats
Switch to Mr PIP's old phone
Nope nope and thrice nope
Any unlikely spare money into flat pot- £25 in from PB, little bits tidied away into it, shares from surveys in
There are also a few breaks away I'm pining for but not going to happen unless we win the lottery.
Still pining
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Loving your mission on acquiring things that you need/want for as small a spend as possible.
I started a Useful Things tin before we moved. It came in handy *when* we moved, and still has quite a lot of Useful Things in it, as I recall, but can I remember where we put it now..? Of course it might be in the shed, in which case, good luck to it, and may it enjoy it's stay... In the meantime, it does mean that anything small and potentially useful that one of us is looking for can probably be assumed to be in it, I guess...
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Lots of great achievements in June.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
You need a bigger Useful Things tin in the hope of coaxing the smaller Useful Things tin into it @EssexHebridean 😁
Cheers @beanielou ☺
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July aims:
Graciously and productively manage the family friends staying this week
Get these mse brackets
Actually do the thank you meal with mum we've budgeted for!
Give Mr PIP a lovely birthday
Sort flat, preferably entirely.
Which means very much doing our vinteds, ebays, and ziffits that are hanging around
Keep chasing about the build and do not have a nervous breakdown.
Need:
x2 confirmations from Thames
All the confirmations from the bloody council
A time and cost and to-do estimate for getting the excavations started
Any unlikely spare money into the flat pot
Any additional unlikely spare money into the Christmas pot
If we unexpectedly become well off, would be nice to have at least one small trip away and one London overnight stay away weekend this summer
*Is shamefaced*
Wipe and sell ipad
Buttons on coats
Switch to Mr PIP's old phone
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an excellent list. Things will sometimes roll over…with no shame!Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p10 -
They've rolled over so many times I'm thinking of entering them for the TeamGB gymnastics Olympics squad @WinterWarrior!1
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Admin
Tidying
Couple of surveys
25 minute walk getting bits from Aldi
Bits from mums
Asked what she wants to do re thank you meal, she is pondering
Spec work
A third wussy situps
Small client additions
Comping
Flat clean before family friends arrival
15 minute carpet walk pottering
20 minute walk meeting Mr PIP for a post work beer and catch up
Will see if coop has a ys pizza to use voucher on otherwise dinner is cheesy potatoes and baked vine tomatoes
Hope everyone's week and month has started well, and if it hasn't, don't worry, there's loads left
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Good to look back at what you achieved over the month 🙂 Re Ziffit I didn’t realise you had to reach an amount to cash out 🤔 I have a few books and Wii games it gave a decent price for but not done anything about it yet.I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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I didn't realise they did Wii games too - I learn something new everyday on here.
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