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Should itsthelittlethings spend less on coffee?

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Comments

  • itsthelittlethings
    itsthelittlethings Posts: 1,394 Forumite
    1,000 Posts Second Anniversary Name Dropper
    edited 9 October at 3:29PM
    Watched the first tutorial of my access last night. I couldn’t make the live session because they are all during working hours. It’s kind of pretty easy but like anything I think it is what you make it. Actually - I’m saying it’s pretty easy but despite having a degree I’m a bit flummoxed by the assessment questions. Mind you, I did a level 2 in advice and guidance which is equivalent to a GCSE a couple of years ago and they sent some of the assessments back to me to rewrite.

    I received my wool and fibre parcel today. I’m not going to open it as I have just had my last two cigarettes and I don’t want it to smell smoky. I do want to see what it looks like though.

    Right. Giant destash incoming.
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  • itsthelittlethings
    itsthelittlethings Posts: 1,394 Forumite
    1,000 Posts Second Anniversary Name Dropper
    It’s looking a bit like nobody wants my old junk so I will sort out the good stuff, or maybe give it away bit by bit as I think people like to see what they are getting. Also a lot of people who collect from me don't have cars so it would be better to go little by little.
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  • itsthelittlethings
    itsthelittlethings Posts: 1,394 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Seems like people do want my junk and I have significantly cleared out some of the stuff taking up space in my studio flat. They are collecting tonight and tomorrow. Mustn’t get all enthusiastic and start getting rid of loads of stuff. Slow and steady wins the race.

    I had to make a bed on the sofa for a bit last night as my mind was turning a few things over and I had to move my knitting stuff to the chair. It’s so disorganised and I have so many projects stacked up to start. In my weakened state I saw that as just another sign that I can’t cope.

    I start my blanket course in a few weeks. I have loads and loads of what they call DK minis so I’m going to supplement the basic wool with hand dyed. I hope it works. I have an idea in my head of how it’s going to be.

    Nobody has bitten on my destash. I might just shove it all back behind the living room door which hides a multitude.
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  • itsthelittlethings
    itsthelittlethings Posts: 1,394 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Got rid of the bag of jars.

    Have washed up and done a wash. I’m exhausted. Gonna watch my favourite programme.
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  • itsthelittlethings
    itsthelittlethings Posts: 1,394 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Well well. Another weekend, another 5am start. Am just lying here with a faint Dominoes hangover as I got pizza last night.

    Have coffee round a friend’s house at 9, coffee at 11 (will buy out) and knitting group at 3. Must remember to get decaf or I won’t sleep tonight.

    I can hear the start of the dawn chorus, such as that is even a thing with light pollution nowadays. Looking forward to payday and another £150 pay off.
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  • itsthelittlethings
    itsthelittlethings Posts: 1,394 Forumite
    1,000 Posts Second Anniversary Name Dropper
    This is my fleece. It’s for spinning really but I don’t have a spinning wheel or even a drop spindle. They take the sheep’s wool and “card” it (comb it out) after washing it I think. Then they dye it. It’s quite beautiful. Sorry the photo is not in natural light.

    Off to browse drop spindles! The ultimate in apocalyptic skills.


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  • itsthelittlethings
    itsthelittlethings Posts: 1,394 Forumite
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    Have spent an hour watching people dressed up as dancing bears at 70th birthday parties in Russia on the ‘gram! I shed a few tears every time the music starts. My friend got me into this meme.

    Roll on knitting class.
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  • itsthelittlethings
    itsthelittlethings Posts: 1,394 Forumite
    1,000 Posts Second Anniversary Name Dropper
    edited 11 October at 1:19PM
    Redone my SOA to reflect some costs going up.

    [font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b]

    Household Information[/b]
    Number of adults in household........... 1
    Number of children in household......... 
    Number of cars owned.................... [b]

    Monthly Income Details[/b]
    Monthly income after tax................ 1675
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0[b]
    Total monthly income.................... 1675[/b][b]

    Monthly Expense Details[/b]
    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 210
    Council tax............................. 150
    Electricity............................. 80
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 19
    TV Licence.............................. 15
    Satellite/Cable TV...................... 12
    Internet Services....................... 23
    Groceries etc. ......................... 250
    Clothing................................ 75
    Petrol/diesel........................... 0
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 35
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 25
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 8
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 20
    Haircuts................................ 45
    Entertainment........................... 150
    Holiday................................. 75
    Emergency fund.......................... 50[b]
    Total monthly expenses.................. 1242[/b]
    [b]

    Assets[/b]
    Cash.................................... 0
    House value (Gross)..................... 120000
    Shares and bonds........................ 0
    Car(s).................................. 0
    Other assets............................ 0[b]
    Total Assets............................ 120000[/b]
    [b]
    No Secured nor Hire Purchase Debts[/b]

    [b]Unsecured Debts[/b]
    Description....................Debt......Monthly...APR
    CC.............................2300......50........0[b]
    Total unsecured debts..........2300......50........-  [/b]

    [b]
    Monthly Budget Summary[/b]
    Total monthly income.................... 1,675
    Expenses (including HP & secured debts). 1,242
    Available for debt repayments........... 433
    Monthly UNsecured debt repayments....... 50[b]
    Amount left after debt repayments....... 383[/b]

    [b]Personal Balance Sheet Summary[/b]
    Total assets (things you own)........... 120,000
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -2,300[b]
    Net Assets.............................. 117,700[/b]

    [i]Created using the SOA calculator at www.LemonFool.co.uk.
    Reproduced on Moneysavingexpert with permission, using other browser.[/i][/font]
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  • satchmo1
    satchmo1 Posts: 3,304 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You haven't included anything for water rates? 

    What would you get if all you got was what you were thankful for?
  • itsthelittlethings
    itsthelittlethings Posts: 1,394 Forumite
    1,000 Posts Second Anniversary Name Dropper
    satchmo1 said:
    You haven't included anything for water rates? 

    Water is included in the management charge.
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