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Settling in for the long haul

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Comments

  • MillQueen
    MillQueen Posts: 128 Forumite
    100 Posts Name Dropper Photogenic

    hello and thank goodness it’s the weekend. well it sounds like you have been much too busy for spending, which is a blessing of some sort, but I hope you will get to have a rest this weekend. Enjoy your time at home.

    Updated last day of the month… focus, improving overall net wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£221,497 (April 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£8,303 (March 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£10,883 (April 26)

    Emergency Fund Savings: starting at £5,511 (Jan 26) now at £2,500 (March 26)

    Investments: starting at £50 (Jan 26) now at £339 (March 26)

    Net Wealth: starting at -£204,317 (Jan 26) now at -£204,615 (March 26)

  • FootyFanDan
    FootyFanDan Posts: 1,964 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper

    it sounds like a chilled weekend is very much needed.

  • vampirotoothus
    vampirotoothus Posts: 418 Forumite
    Part of the Furniture 100 Posts Name Dropper

    Hi how about a wrap of some kind, so she can wear the hot bottle? V x

  • MillQueen
    MillQueen Posts: 128 Forumite
    100 Posts Name Dropper Photogenic

    Sounds like a nice nice village hall… probably with lots of nice cheap activities to get involved in.

    Aww sorry about your gran, that's a sad reminder seeing her address 💔😔

    Ideas for hospital gifts: a colouring book, an eye mask, a water bottle with a straw, cosy socks….

    The £1.72 over the £1000 is sort of satisfying though…

    Updated last day of the month… focus, improving overall net wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£221,497 (April 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£8,303 (March 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£10,883 (April 26)

    Emergency Fund Savings: starting at £5,511 (Jan 26) now at £2,500 (March 26)

    Investments: starting at £50 (Jan 26) now at £339 (March 26)

    Net Wealth: starting at -£204,317 (Jan 26) now at -£204,615 (March 26)

  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 1,031 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    edited 8 March at 10:34PM

    Books Read - 2026
    The Wild Folk - Sylvia Linsteadt
    The Wild Folk Rising - Sylvia Linsteadt

    Really enjoyed both of these books and will keep them to read again. About 3/4 of the way through Dracula.

    Just remembered today I said I would keep you updated on my read list!

    Debt Free - 4th June 2025
  • Dakota_Rose
    Dakota_Rose Posts: 311 Forumite
    100 Posts Name Dropper Photogenic

    Ah thank you for sharing with me! Will have a look at those titles - can’t say I’ve heard of them before. If you’re keeping them to re-read, you must have enjoyed them 😊

  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 1,031 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper

    I hadn't heard either but picked the first one up in a charity shop for £1.50 because I liked the cover.

    However the bargain hunter in me hates this next part, I realised when I started reading that it was a part 1. I had to pay £11.50 for the 2nd one! Contacted loads of places including the local library and they couldn't get it. A book shop near me contacted the publisher and they said it was on a print freeze so had to buy it online.

    This was made better though because they were so good.

    Debt Free - 4th June 2025
  • Dakota_Rose
    Dakota_Rose Posts: 311 Forumite
    100 Posts Name Dropper Photogenic
    edited 9 March at 9:58PM

    @_Dolly_Rocker_ I’ll need to bear them in mind next time I have an opening on my to-be-read shelf. It’s bursting at the seams just now.

    Long day to start the week but fairly productive. Hoping for some more reasonable finish times for the rest of the days now.

    Sore throats have hit the house again and I’m really cross as this time it includes me 😂 😭 Last night was not a good sleep with all the coughing and spluttering going on.

    In money news, there’s a few unlikely payments that may be in the pipeline and have meant I have my eye on my inbox hoping for some good news. The first is a claim I have made for a tax rebate for professional fees I have been paying the last few years. This morning, I have had two emails from HMRC saying my tax code had changed as a result so maybe, just maybe some pennies are coming our way.

    Secondly, still waiting on a gift card through money supermarket and/or a TCB bonus for taking out a new life insurance policy. I’m not sure if one will cancel out the other but there’s no sign of either yet!

    Thirdly, my car tax is due to decrease significantly as the 5-year luxury vehicle rate is ending. This should mean over £400 less a year is charged although I do pay monthly so likely to be £37 a month saved or thereabouts. This should be a definite rather than unlikely saving but need to keep an eye.

    Finally, and most unlikely, we’ve asked our old car insurance company to review the payout we were given for my car when written off almost 5 years ago. I’d had it around 8 months, (wasn’t even in it when an neighbour crashed into it on my driveway) and was given about £4k less than I had paid for it/insured it for - it was second hand so no major depreciation expected in that timeframe. I couldn’t have bought like for like with it and ended up loaning more money to buy a different car. So, we felt an inquiry into it would be fair to ask for. They’ve replied asking for more details as they ‘couldn’t find the record.’ Luckily I had all the info they wanted and sent it to them promptly. Stereo silence since. It’s worth a shot for the old, gentle/naive Dakota Rose. We were prompted by an article on here saying that the companies were being told to review their past offers and pay extra due to unethical practice. Our address and my name have since changed so I thought I’d reach out myself.

    Other than that, I’ve been earning my salary and enjoying my mortgage when not in work. So little else on the money front to report.

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