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And now we go again...

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  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It felt really well deserved PiP - after a weekend where as MrEH put it "It really feels like we've got a lot done!" 

    And now here we are at the start of a whole new week. No plans other than the usual sort of stuff (MrEH;'s rugby training tomorrow, work stuff) until the weekend now - on Saturday we are heading off to a pal's 40th birthday party (which she is very sensibly hosting at a brewery!) and on the way home on Sunday we may well go via an RSPB reserve assuming the weather is appropriate.

    MSE Stuff:
    - I have been paid - so I have already shuffled my contribution to the joint account
    - Joint account surplus for the month ended up at £155 - which I shuffled to the OP account this morning. And that in turn meant that...
    - £200 transferred to the mortgage this morning as an OP too! 
    - I will probably do the remaining money shuffling - mostly just my personal stuff - later on just to get it done.
    - Brief conversation with MrEH relating to what to do when our fixed rate savings mature - currently leaving them with the provider they are with but going for a 2 year fix there at 5.50% is a strong contender - I will have a look about and see what other deals are on offer with providers we already have accounts with too, I think. 
    - May hold off re-homing that sum until we get our Pr1nc1pality reg savers out too, mind you. They aren't huge as they were only taking £125 a month, and we've both reduced payments to £25 for the final 2 months as well, but still, it would be another lump sum that could go to a fixed rate quite handily. One to ponder.
    - My mobile bill will finally go to it's full amount this month so I need to remember that will increase what comes out of my personal account a small amount - still only just over £8 a month though! 
    - Need to budget for Saturday night food/beers - that will be from personal spends of course. 
    - Free heating from the fire - currently completely free in fact thanks to the logs and smokeless fuel we had left for us by our sellers! It will almost certainly continue to be just a weekend thing, but in colder weather I may well get it lit earlier on a Friday afternoon with a view to it stopping the requirement for the central heating later. It's a lovely thing to have, anyway! 

    Spendiness:
    The weekend WAS quite spendy - they have a habit of being at the moment - but I'm content we got good value for money.
    - £6.80 on a sheet of welded mesh which between us we snipped to the right size to block in the ventilation gap under the extension - this should mean that small critters aren't able to get in there, and in turn that will reduce the risk of any damage to cabling etc. It is currently just wedged in - the idea being that if anything is already inside there we want it to be able to get out again - but we'll work out a way of fixing it permanently once we are content that the space is "vacant"! 
    - £30 on the replacement loo seat - this was on the basis that we agreed that it's not the sort of thing where one wants to go for the cheapest, but similarly also, we were slightly bewildered by why anyone would pay some of the amounts being asked for them, as they didn't appear to be gold plated... 
    - plants as already mentioned - if that redcurrant turns out to be as productive as our old one then it will over the years pay for not only itself, but the other plants we purchased yesterday too! 
    - The £20.50 in the charity shop on the table and a picture frame too - a quite nice one which will be forming part of the group of pictures we plan to hang above the stairs. I couldn't believe my luck when he said 50p! 

    Financially I would like this week to be mostly a "no spend week" I think - aside from stuff that is already planned in. I do need to start thinking about birthday presents for Mum, and Christmas presents for both her and MrEH though - so will be keeping my eyes open for various bits as I go along. Shopping will be back to Lil's this week I think - with the usual monthly aim of extracting the value from the free bakery item once I hit that spend level!  It's a straight 4 week shopping month as well which is always nice as it ought to mean that I can start bolstering the food account a little again...

    One thing that we have decided on is that our annual Good Food Show trip will be a single day one this year we think. We do still want to go, but adding the cost of a hotel in just makes it a bit "step too far" on the costs right at the moment , and while we'd need to factor in parking by doing it as an "up and back" that will still work out better value.
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • themadvix
    themadvix Posts: 8,716 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    edited 30 October 2023 at 3:48PM
    Your fire did look lovely. Don't forget to 'go twigging' when you're out for a walk - I've been collecting twigs and even a couple of small branches recently for our chiminea - it's amazing what you can find - and not even in the woods! (ETA: of course, you may not want to look as bonkers as I do!)

    Wise move on the GFS. Cheap hotels are not easy to come by these days it seems - gone are the days of a Premier 1nn for £40 (at least when and where you want one!).
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


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