Here’s where the story ends…

skint_spice

So I have had the week off, not done much except run and play with the kitten😂 I had such plans but was shattered on Monday so just as well I didn’t go away like I intended to.

Met up with some old workmates for lunch today, it was very cheap but the food and conversation were great.

I have been reflecting on my spending - the second half of the year will have to be frugal and focused!

KajiKita

Sometimes a rest is what is needed 🤷‍♀️😊
Glad you had little Miss S to keep you company ❤️

KK

skint_spice

Got a new phone last week and just had a look at my mortgage OP app and everything is gone! Argghhh! I am on a new rate from August so will reset it then but what a pain.

KajiKita

How do you mean anything has gone? Maybe the app needs bit more time to access the historical data?

KK

skint_spice

It doesn’t seem to have a log in KK so nothing saved just must sit there? Hopefully my mortgage will be gone before I change phones again😂

skint_spice

Payday at last! Money shuffled although I still haven’t got new log on details for the Spanish bank so not putting food money or savings in there this month! Overpayment allowance for my mortgage should reset in July I think so waiting to check it does before making an OP.

Nails and brows done yesterday so feeling a bit more polished. Out for lunch today with some old work mates - we started working together nearly forty years ago, seems just like yesterday sometimes but other times it seems forever ago, it will be good to catch up.

Reduced hours start in July so after Tuesday I hope to get more balance into my life. Off for a run this morning before making myself presentable. But first cuddles with the cat!

beanielou

Happy cuddles. 🐱

skint_spice

So glad to have a day off! 53 hours worked over the last four days😩 having a lazy morning with little Miss S, actually I am having a lazy morning while she zooms about, although she did stop for a while to watch the washing machine…
Mortgage OP of £400 yesterday bringing balance down to about £36900 but will know better once interest is added. OPs will have to reduce due to lower hours from July pay but will continue to plod!

skint_spice

So inspired by others I have had a look at what I have achieved so far this year…

Paid off £5750 so far, I was aiming to be sub 30k by the end of the year but have decided to refocus and cut my hours. I dare say I could do it if I either work all hours offered or become a frugal fanatic but the truth is I want balance now as the future isn’t guaranteed. Should probably be around 34k at the end of the year.

My beloved cat died in January which was the low point of the year but now able to look back at smile at the memories. Wish she was still with me but she hadn’t been great since her accident seven years before so I suppose it was all a bonus.

Holiday in Feb with friend which was lovely. Spent my birthday in a cathedral listening to a string quartet - bliss.

Holiday up north in March on my own which was bliss. Beautiful spot and lots of walking.

Holiday in May - my first abroad alone but won’t be my last! Lovely place, people and food.

Mad decision in June that a kitten was a good idea🙄 she’s insane but great company🥰

Workwise I have just cut my hours and so pay will go down but I think I will have more time to be. I have started running again and beginning to enjoy it and feel the benefits. I plan to improve my diet from this month and rest more too.

Today I went with my dad to visit my mum, messaged with my brother and my DS popped into visit so hopefully more time going forward for my family and friends sounds good. Currently stuck under a sleeping kitten…

KajiKita

That’s a lovely summary (in spite of the loss of your cat) and I’m glad you have a better work-life balance now and a gorgeous Miss S 😊❤️

Paying off £5750 on your own is good going 😊👏

I’m struck by how much she has grown already! 

KK