Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻

Cheery_Daff

LadyWithAPlan said:

Ah the joy of feeling  YNAB poor - knowing all your money has a proper job already so no to you can’t eat more cake (if only Marie Antoinette had had YNAB..) 

I got my next months money holding category nicely up last month but now only a few hundred on it - I am liking my 6 month water bill due in Nov  is nearly all saved  

Ha, if only my YNAB categories stopped me from eating too much cake!

Goodness, I don't know where this week is going, I really don't. Well, I've had six hours of meetings today, that's where, plus another half hour waiting for someone to turn up to a meeting that they forgot about. Yesterday was similar, plus I've had to walk between offices every day, so that adds an extra half hour in each direction. Tomorrow is similar. Friday I'm back in the city again, and AGAIN on Saturday (staffing a work event on Saturday). Five days commute (not all 'commuting', but the same journey).

I'm going to take Monday off, I think, and fortunately next week I currently have NO MEETINGS AT ALL! Not sure how I've gotten away with that - other than that it's half term (not for us, but some people will be off with their own kids which lessens the pool), and for the last three weeks I've had at least 15 hours of meetings a week (I'm only meant to work 30 hours) so perhaps there's just nobody left to meet with

Anyway, nowt else to report. I ordered a replacement bra which arrived today - looking at my current one I've ordered the wrong size... but I have a strap extender which I hope will suffice while it stretches a bit!

Mr Cheery has returned his defective laptop too - the postage label was a 48 hour one, so it should be with them on Friday, then they say they'll fix it within 3 working days, so hopefully we'll know one way or the other by the end of next week. Fingers crossed. I think he'll be going for a new one if this isn't fixed (not that being new would have helped the one that got struck by lightening!) We'll see. 

New mortgage amount should kick in on 1st November - I've just remembered I didn't allow more for it in YNAB. My payrise will cover about half, but we'll still need an extra £76 or so a month I think (Can't remember without looking at exact figures). I think the total will be £1035 a month I might round up to £1050, sick of not overpaying at all!
 

greenbee

I'd forgotten about the new mortgage payment next month I did switch to Agile today though, so hoping to save enough to fund the difference in the mortgage payment. 

Cheery_Daff

Checked the mortgage spreadsheet. Original end date was Feb 2043, although with no overpayments that seems to have increased to August 2043 - I must have got the actual payment amount wrong (or the interest rate very slightly out?) Will check figures at some point. 

Anyway, rounding payments up to £1050 takes us to April 2043, and if we throw all of Mr Cheery's state pension at it when it arrives (just under 5 years to go) then we'll be done by May 2036. It's more likely that we'll use that to fund me dropping another day at work (if I haven't done so already by then) but it's nice to see what would happen if we didn't!

Ho hum. Will sort out figures properly at some point, clearly there's been a small hiccup in the spreadsheet somewhere... 

Cheery_Daff

Hmm, annoyingly for the first 3 years of this fix, the interest payment will be  more than the capital payment - starting with £138 more in the first month, then reducing. According to the spreadsheet, the interest payment has NEVER been more than the capital payment since we've had the mortgage - but that'll be because we fixed first at 1.8%, then 2.26%, and as of next month we're going to 4.46%. 

Hey ho, others have it worse, and we'd decided to focus on savings rather than OPs for the time being. I do think a little regular OP might not go amiss though, and perhaps I could aim eg survey income - won't make a dent in the usual budget, but gives me a nice incentive. We'll see. 

KajiKita

It’s primarily cashback and survey payments that I shuffle off to OPs 😊

KK

joedenise

My mortgage overpayments were a rounding of the actual amount plus rounding of the bank accounts on a daily basis!  Definitely made a difference - just wish I'd started OPing earlier than I did.

rtandon27

For me I Tilly Tidy every month - at first it was the last two digits to zero, then I braved the last three digits and now it's the last four.  This meant a few pennies for the first year, a few pounds the second, and in the third no more than 50 to 60 a month! - I fund it by pinching the pennies, doing surveys and taking lunch from home.  I didn't feel it was much until I saw the interest had dropped by 20 pounds a month!  Bank confirmed this by lowering my payments by a couple of pounds a month but I still pay the original amount and then round it to four zeros! 00.00 is my favorite sight.

Cheery_Daff

I thought for a second you were rounding to the nearest £1000! 😱😂

Cheery_Daff

greenbee said:

I'd forgotten about the new mortgage payment next month I did switch to Agile today though, so hoping to save enough to fund the difference in the mortgage payment. 

Ha, we're likely to save about £5 a month i think, still bit to make up! 😂

greenbee

I suspect I’ll actually spent more, as I’ll use it when it’s cheap. But it will help the oil last longer which is important. I’ve put the WM and dishwasher on a delayed start for the 2.30am 9p slot (they’ll use most electricity in the first half hour, and the following slots they need are cheap). The towel rail in the bathroom with no CH has had some slots set, the heating timing been adjusted to avoid peak rate (even if the boiler and pump don’t use much), and the battery and immersion have been set to charge based on budget. It’s sunny tomorrow, so it doesn’t matter if they don’t do that much - plus I’m not bothering to export much until I know that my tariff has been sorted.