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Turning Straw into Gold: Creating Long Term Security & A Solid Home

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Comments

  • vampirotoothus
    vampirotoothus Posts: 488
    Part of the Furniture 100 Posts Name Dropper
    Forumite

    Hi FaceB may be a good place to get that. See if you have a local recycling / free group near you and ask on there. It is the kind of thing that you use a bit of and then store, so you may be able to get it for free. Good luck V x

  • MillQueen
    MillQueen Posts: 543
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    Thank you, that's a good shout, I will have a look 😊

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)

    Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,600 (Oct 26)

    Jan 27 Tax Fund: £2,750 / £3,298 (Oct)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

  • ellenvan
    ellenvan Posts: 535
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    Taking a box for leftovers at work lunch, sounds a really good idea.

    No point in good food going to waste.

    You are doing well with the grocery budget.

  • MillQueen
    MillQueen Posts: 543
    500 Posts Name Dropper Photogenic
    Forumite

    @ellenvan, sadly it didn't end up being logistically possible to take leftovers from work, as it was going to be many hours before I could get back to my site and put anything in the fridge. I made up for it by stuffing my face while I was there. Got to make the most of anything work is paying for 😂.

    I have another work lunch on Thursday, but this one involves spending money. A busy few days with a partner event I have organised on Thursday and my interview for the training development that same day. Both of which I need to finalise preparations for tomorrow around a day that's jam packed with meetings and people needing things doing from me. I will need to allow a couple of days of not thinking about money.

    I keep wanting to make a stew or risotto involving green lentils, mushrooms and kale but it will have to wait. Just need to focus on work and getting enough sleep until Friday.

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)

    Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,600 (Oct 26)

    Jan 27 Tax Fund: £2,750 / £3,298 (Oct)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

  • MillQueen
    MillQueen Posts: 543
    500 Posts Name Dropper Photogenic
    Forumite
    edited 5 August at 8:08PM

    I have updated my signature and also paid a few round downs, which were £13 towards my postgraduate loan and £33.34 to my energy account, so the latter is owing £500 now. It's weirdly satisfying to move debt down a bit to a round figure or get it below a big number. It's helped by the fact I've not had the heating on in months and I am going to go as long as I can until the energy debt is paid off as it's an easy way to save cash. I want to be in a position where I build credit on there next summer. I got really excited as I won 800 points on Octopus on the spin the wheel thing, but then it turned out to be only worth £1 when converted to credit 🤣

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)

    Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,600 (Oct 26)

    Jan 27 Tax Fund: £2,750 / £3,298 (Oct)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

  • Rhyddid2026
    Rhyddid2026 Posts: 1,550
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    I have that problem with the gas meter too. I have a really old gas meter and when they came to install smart meters years ago they could only do it for the electric meter. I also have ridiculously thick walls. It doesn't stop them contacting me regularly and trying to convince me to get a smart meter installed on my gas meter. I try to explain that they've tried and it won't work but they still keep insisting it will. I think maybe they get commission on the number of people they convince. So yeah, I have to try to remember to read my meter monthly and manually input it on the website too.

    Debts                04/01/25       01/09/26  
    CC1                   £14,122.71     - 
    CC2                     -                   £6,975
    CC3                   £6,112.60      £6,495
    1st Direct CC     £176.03         £151.44
    CC total             £20,411.34    £13,621.44
    OD                     £1100            £0
    Car loan             £4,000          £2,400
    1st Direct Loan  £10,684.44    £3,825
    Total                  £36,195.78    £19,846.44
    EF £2,800
    HF £3
    EB £250
  • Rhyddid2026
    Rhyddid2026 Posts: 1,550
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Forumite

    How weird! I wrote that message a couple of days ago.

    Debts                04/01/25       01/09/26  
    CC1                   £14,122.71     - 
    CC2                     -                   £6,975
    CC3                   £6,112.60      £6,495
    1st Direct CC     £176.03         £151.44
    CC total             £20,411.34    £13,621.44
    OD                     £1100            £0
    Car loan             £4,000          £2,400
    1st Direct Loan  £10,684.44    £3,825
    Total                  £36,195.78    £19,846.44
    EF £2,800
    HF £3
    EB £250
  • MillQueen
    MillQueen Posts: 543
    500 Posts Name Dropper Photogenic
    Forumite
    edited 6 August at 8:25AM

    @Rhyddid2026, they must have convinced the previous owner at my place to get one installed, despite knowing it wouldn't work, as the one that's there already there looks quite recent and is already a smart meter but it's just not able to function as one. Apparently they could replace it but there's no point, as he said it's probably working fine it just can't connect to send data. He said all this as soon as I opened the door that I couldn't get one, so someone must have convinced someone here at some stage to try it anyway.

    I am in work today after a not good night's sleep. I have blocked out everything so I can focus on writing a speech for an event I have to present at later (and then discreetly stuff my face with free sandwiches so no one senior sees I messed up the sandwich order and overspent our budget as people have now dropped out from attending, as it's impossible to get reliable RSVPs), Now finalising my presentation for my interview for the staff development training, which is this afternoon. Feeling vaguely sick and under pressure. I spent £20 in Home Bargains buying drinks and some cakes for later, as otherwise there's only hot drinks and it's boiling.

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)

    Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,600 (Oct 26)

    Jan 27 Tax Fund: £2,750 / £3,298 (Oct)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

  • foxgloves
    foxgloves Posts: 13,764
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Forumite

    Hope it all goes better than you are anticipating.

    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
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