Debt, Endo and Reno

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Mixed blessings. So Santander have added on interest, it’s a couple of quid less then what they refunded so I’m guessing they refunded last months but have added on this months. Still better than nothing! 

I had £100 to go towards debt from the house, so I’ve put £33 each towards Lloyds, Santander and Tesco. I should have some more coming in this week so hoping to do the same again. 

With all the interest added on we’re back up to £27,927. With overpayments next week I’m hoping to get it under £27,800. Would ideally like to get it under £27,700 by the end of the month.

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Yoga was fab on Friday night, but I was sooo out of practice!! Been very stiff yesterday and today, just having a coffee then off to do a change over at the house. Trying to only have one change over on a weekend but also need the money, so I’ve had change overs on Saturday and Sunday this weekend. Rest of the week is quite organised and I only have 2 changeover mid week and 1 on the weekend. 

On the endo note, GP is questioning if I am actually ovulating; so some more blood tests this month and she wants to refer me for further fertility testing. It’s not something I’ve really wanted to consider tbh! 

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Paid £50 each towards Tesco and Santander. It’s still pending on Tesco, so balance stands at £27,877. Hopefully a no send day today. Popped into home bargains yesterday to get some essentials (cleaning products, lightbulbs and cling film etc) both for our house and the let house. I’m still getting used to recording all my expenses for the cottage, I’m not 100% sure what I need to record with the changes on tax allowances last year for let properties. So I’m just trying to remember to save all my receipts and put my income and expenditure in a spreadsheet; then I’ll try and work it out at the year end. Should have some money come in tomorrow from the cottage so I’ll have another £50 to put towards debt. 

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Payments have gone through this morning so we are down to £27,778. Which is so exciting as I’ve paid off £1000, I think, it might be slightly under or over. £100 pound in from the house this morning, so I’ve put £30 into my current account and £50 towards Santander. I’ve worked out it’s about £260 a month of interest that gets added on, I’m not 100% on the loan as they add it daily so it’s a slight estimate. 

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We’re going away the weekend after next, the mini UK break instead of abroad trip. I’ve booked the accommodation this morning on my credit card (so I get cash back and so it’s “protected”) and then transferred the amount immediately from what I had saved up. Accommodation was £280 which I’m more than happy with for a weekend away, the boyf is going to transfer me his half. Also transferred an extra £60. So debt is down to £27,728.

I had to resist the urge to put off transferring the money out of my savings, kept thinking I should wait until I’d had my next booking payment in so I could increase my savings…. I think the fear of an emergency has made me useless at paying off my debts, when in reality I’ve just ended up spending any savings on non-emergencies! So I’m keeping it at £300 and above that is going on debt. Also aware that Christmas is coming up and January is quiet for bookings so I want to clear as much debt over the next month as possible. 

Work is busy I think my bosses job is finally going to be advertised. Debating on applying for it or not, I’m the only one internally with the qualifications. However one of the guys in my team is putting me off, he’s been awkward ever since I took on some of our old boss’s work and just blanks me in the office (turns his camera off when I speak  or just doesn’t turn up to the team meetings I organise). Also made a big carry on that it needed to be an external advert or the qualifications need not be essential as other wise “there’s only one candidate”.