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  • FIRST POST
    • Moneyfordreams
    • By Moneyfordreams 5th Nov 15, 10:32 AM
    • 1,300Posts
    • 6,333Thanks
    Moneyfordreams
    In the nick of time
    • #1
    • 5th Nov 15, 10:32 AM
    In the nick of time 5th Nov 15 at 10:32 AM
    Hello,
    I been reading debt free diaries and mortgage free diaries since the summer and I have been hugely inspired and reassured my dreams are achievable.

    My husband was significantly in debt until 2 1/2 years ago through a failing business during the recession. Due to having equity in our home I was able (had to) to re-mortgage and pay off the debts. that's the simple version anyway.

    During the time when my husbands income was negligible we had a lodger. Unfortunately those basement rooms require about 5K worth of work and are currently unlettable. I hope either to save this money by the spring, or maybe withdraw some capital from my husbands small pensions. He gets about 200 pcm plus 800 wage. He has his own debt to pay until June next year, then I gain 120 to go towards the mortgage.

    I have a fairly good job and have always worked extra hours. My husband is working in a job on minimum wage. After many money related traumas and battles our relationship is fantastic.

    My aim is to retire at 55 if I can. I am going to go hell for leather to make this happen. We trimmed our expenses years ago. We have the occasional slip up and overspend in fact this year has been an overspend on some big items whist shopping at lld1.

    We have recently registered with airbnb to increase our income and may soon break even from initial outlay.

    Sold house March 2018

    Savings
    Rainy day 2000

    Short term goals
    Buy new home, pay down mortgage to < 100k by end of fixed deal June 2019 (looking less likely as spent 10 weeks in temporary accommodation)
    NEW HOME page 32

    KEY DATES
    Can access work pension 2025 (55 years)
    Have very small 2k private pension to close 2025
    DH state pension 2025, plus current pension of 200 pcm
    DH shares can be accessed from June 2020 and 2021but aim to cash them 2025
    my state pension 2037
    Official mortgage end 2030

    http://www.whatsthecost.com/snowball.aspx

    Mortgage OP
    June 2018 OP 278. 68
    June 30th OP 200.00 = 478.68
    July 2nd OP 34.14 = 512.82
    January 2019 = 4.99 = 517.81
    February 2019 = 4.96 = 522.77
    March 2019 = 7.71 = 530.48
    April 2019 = 3.00 = 533.48
    May 2019 = 6.71 = 540.21

    Long term savings shares/ISA (without interest/growth)
    Me
    July 2018 100 & 143
    August 2018 100 =343
    September 2018 +100 = 443
    October 2018 +100 = 543
    November 2018 +100 = 643
    December 2018 +100 = 743
    January 2019 +100 =830 ( loss of value)
    February 2019 +100 = 930
    March 2019 + 100 = 923 + 141 = 1064
    April 2019 didn't happen (expired card)
    May 2019 + 100 = 1033 +143 = 1176
    June 1st 19 +100 = 1129 +139 = 1268

    OH SM shares
    June 2018 1200 + 200 = 1400
    July 2018 +200 = 1600
    August +200 = 1800
    September +200 =2000
    October +200 = 2200
    November +200= 2400
    December xmas month off

    Jan 2019 200 = 2600
    Feb 2019 200 =2800
    March 1st 2019 200 = 3000
    March 28th 2019 200 = 3200
    April 26th 2019 200 = 3400
    May 24th 2019 200 = 3600
    Last edited by Moneyfordreams; 31-05-2019 at 6:47 AM. Reason: to add link
Page 42
    • jodles16
    • By jodles16 23rd Apr 19, 5:25 PM
    • 1,442 Posts
    • 4,367 Thanks
    jodles16
    Hey MFD,

    Sounds like sticking with the current provider is the best option! We locked in for 5 years, with the view that we know we are safe for 5 years regardless, but that could end up backfiring in the long run! Everything is so uncertain!

    It is so easy to say yes to shifts, then the regrets hit when it comes to time! I am going to drop agency now I am back in full time, I feel like working full time is enough!haha. But like you said, May's pay will be amazing!

    Makes sense to get the patio right, needs to function properly! I think with the extra shifts you shouldnt be too hard on yourself for not exercising as much, its so hard!

    Jodles
    MFW2017 #29 1200.24/4524
    MFiT #66
    Overall aim 10,124.20/21,743 (156,000)
    2016- Jan-177,472, Apr-173,195.04, July- 171,417.47 Oct- 169,366
    2017- Jan- 167,347.80 Apr- July- Oct-

    • newgirly
    • By newgirly 23rd Apr 19, 8:54 PM
    • 6,742 Posts
    • 46,827 Thanks
    newgirly
    Glad the cruise was ok, shame about the missed port but 200 back is a good result
    MFW 21

    72,866.48 left target 10k/ 6,133.52 in 2019
    • Tahlullah
    • By Tahlullah 23rd Apr 19, 10:17 PM
    • 967 Posts
    • 5,111 Thanks
    Tahlullah
    I agree with Jodles. Seems like madness to pay out more money for the sake of a remortgage, when you can stay where you are without the added expense and stress.

    Personally, I always go for 2 year fixes and have never been caught out with the interest rate going above and beyond reasonable. Just started my new fix in March at 2.15%. I don't think this is unreasonable. I guess if you have lived through the 15% era, then anything around the 3% mark is great. Ultimately, its about how you are with risk. I am completely risk averse, but still find 2 year fixes to give me choice when I need it.

    You will make the best decision for you!!
    Still striving to be mortgage free before I get to a point I can't enjoy it.

    15 February 2019 - Mortgage debt - 78,400
    23 April 2019 - Mortgage debt - 85,000
    28 May 2019 - Mortgage debt - 83,300
    • Moneyfordreams
    • By Moneyfordreams 28th Apr 19, 3:12 PM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    Not sure how I measure myself and risk. I think we've been through a lot of financial traumas husband related, rug pulling out from under me, therefore I want to be safe... but I also want my money to be mine and not some shifty banks so still undecided... I'm thinking if a couple OPs bring you into a lower 0.1 or 0.2 % quickly, then then higher 0.2or 0.3% will cancel out quickly... or the fella on the phone just pedalled me a line and I fell for it. Although I can change with my current provider on the 1st May, by doing it early it will increase my payments so may just wait until a whisper of an interest rate rise and keep my fingers x'd it doesn't happen soon or before July. I won't be able to make significant OP's until next summer as we have so many jobs to do. But at least I'm not increasing the mortgage like. I nearly did We may take supermarkets share out next July when they mature to get drains and bathroom fixed rather than increase debt.

    We have plans for ex lodger to come and repair front of house. He says he will do it over bank holiday weekend. He also says he can borrow ladders big enough to reach the eves as that needs repair. I did say I could buy them and have them delivered... but we shall see I suppose. Then that leads me to porch doors. , we have rotten wood. they are draughty and I think beyond repair , but useful as we only have put a mortice lock on our lovely front door. This has proved a little harder to live with. I've seen a lock I like in screwfix but getting joiner to fit is costly ( probably as I want him to fit new internal doors too ). So porch DG doors I'm imagining around 1500, paint and filler and young man, I'm heading towards 1800... but at least front of house pretty... So only painting to be done for now. I am wanting a patio before a porch too.

    Pay day for me tomorrow. Another good one which I wasn't expecting. People at top increcrement like me who don't get further pay rises, have recieved a payment agreed with last years pay talks ( at least I think thats what its for) . Cost of living rise and small tax changes too have had a good effect also. I will pay off 500 of cc's in a bit of a snowball effect, but rest will be moved to a house budget/savings. Next months pay will include easter Bh's, 20 hours OT, and every W/E. Can plan further home improvements.

    Our Hols over 3rd April , I have put 20 in the new car and still have 1/4 tank or 120 miles to go. I am so happy I went for economical and no road tax

    Supermarket shopping April is 110 this includes alcohol a few times and from 3rd April. I did double up on meats and potatoes (29p) at adli when we got back from Hol. I've been buying Aldis 24 pack loo rolls 5.29 ( 22p roll) and as always their own laundry detergent.

    I have used the local library for printing rather than replace ink and faff with printer. While I was there I took out some books (who knew? ) Even my husband has read a couple, he usually reads sports pages only.

    April has been good to us. Low spends as hoped for. I just need to keep away from holiday pages as I'm tempted to book a Late September trip. Morocco flights < 100 return, add All inc hotel < 700, 400 bnb, if we do it ourselves. Late September variable weather rest of Europe, but wordering cheap flights and BNB hotel.
    Last edited by Moneyfordreams; 28-04-2019 at 3:18 PM.
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • Moneyfordreams
    • By Moneyfordreams 3rd May 19, 9:33 AM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    Today DD1 flies off to Vegas, leaving her 5 yo with me... GD is very tearful... I imagine I will be by next Friday Her dad will have her Sunday through to Monday , then me again until her mum returns.... I'm only working Sunday then a week off.

    Hopefully weather will stay dry enough for front of house to be painted and pointed this weekend. ex lodger helping with the high bits. I'm expecting a roof rack (yesterday) anytime now as we need to collect extra tall ladders from his friends. I didn't want to pay >150 for ladders and one use. A roof rack was 36.50. OH spent around 100 on stuff yesterday to pretty things up.

    Water bill reduced in this house by 19 pcm over this year. Next months bill will be 23 and then 28.97 pcm for the following Year
    Thankfully G&E also hitting the summer figures. I'm really glad now that we are paying pre payment and have kept sensible control over things. April's gas 36 Elec 44

    I need to return books to library today. but also want to finish sanding the banisters my husband started months ago.

    I used the 200 claim from cruise to buy flights to Marrakesh in September . I have booked an all inclusive hotel for 750 for the week. I have free cancellation and don't have to pay for hotel until we are there. I think we will want some sunshine then. We have our wedding anniversary in September so I like to book a break then.

    Unfortunately the BT I started 9 days ago with NW still hasn't gone through. They said it did and it's my cc of many years. I imagine it will on Monday, which will be the 10th working day. It means I will have some interest to pay

    I keep telling myself I do not need a new phone. My contract is up next week and although the new shiny s@msung s10 is calling me I do not need it. I'm planning Sim only for this year. This'll help pay for holidays
    Last edited by Moneyfordreams; 03-05-2019 at 9:36 AM.
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • Moneyfordreams
    • By Moneyfordreams 6th May 19, 10:58 AM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    1st BH off in ages and it's piddling down. At least front of house is almost finished there is some woodwork to gloss, and we've taken the rotten weather board trim off the porch doors and just decided to paint them for now. We've (OH and ex lodger ) removed all old metal work (rusty handle bases ) and house numbers from exterior walls. The house number is on the doors also. Extra paint has been returned to the shops. Front of house with lad to do and hiring ladders from his mate it has cost 250 His bricklayer friend has quoted us 450 to raise and extend our patio, 550 for bricks, then to fill and lay flags OH and exlodger will do. All in for <1500 I hope

    DD1 is like Holidayzilla ( bridezilla for holidays) … her friend wants to sleep and she wants to party. she's phoned me to say she's listened to me, and not got cross. She spent yesterday watching her friend sleep, so she took herself to the bar to make new friends. I'm not sure whether the I love you mum, at 10am (2am there?) was reassuring or I should be worried

    Apparently GD is bored at daddy's and wants to come here.There is a local festival today, which has probably been under utilised by the weather this W/E , we'll wander down soon. last year it was glorious. . but her daddy is sticking it out until tonight. I did suggest we could take her but he's declined
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • Moneyfordreams
    • By Moneyfordreams 7th May 19, 3:31 PM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    DD2 has gone off on holiday today for a week... Unfortunately she was telephoned by a national company offering her an interview for an apprenticeship whilst she is away. She's keeping fingers crossed they will interview her on her return. I known my employers generally allow applicants to interview at a later date if they can't make the one offered, but the person she spoke to was a trainee and didn't know if that would be allowed.

    Glossing hasn't happened again. Bit wet this am, also my sleeping has been awful with the little one in bed with us.. 2 more sleeps until her mum returns

    I feel like money will fritter away this month. We've spent 12 on shopping today. dog food, milk, bread, new bathroom bin 2.49 homebargaiins, We have our annual race day coming up. That's usually costly, this year it is cheaper as our local, where the event ran from has closed... citing local council rates as the killer blow. We still have paid for coach travel and tickets and will need spending/betting money.

    I've steered clear of matched batting as I'm scared of becoming a gambler... I did register on sky bet last week and lost (for my OH ) yesterday I had a couple of bets on the horses as we were talking about the up coming day out and won 125 . I am taking the money and running … deleting app.
    Last edited by Moneyfordreams; 07-05-2019 at 3:33 PM.
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • Moneyfordreams
    • By Moneyfordreams 9th May 19, 11:24 AM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    DD1 has arrived home safely this am

    GD school dress wasn't a dress this am it was a playsuit.... the fool who thought this up needs to be made to wear one... to school!!! And stupid young DD1 who bought it.

    I told GD I wasn't putting that on her, she was glad as she had to get undressed for a wee last week

    I suppose my shopping will now include a school dress and decent socks
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • Moneyfordreams
    • By Moneyfordreams 10th May 19, 11:00 AM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    Our little GD was very pleased to see her mama yesterday, so much so she kept calling her nanny We are very pleased with the silence and the rest.

    I didn't book OT last night so in effect turned down 150... I'm hoping the OT I was hoping on is available later in the month. I slept badly these last couple of weeks due to an old problem re appearing. I've needed the rest.

    However this annual leave the weather has been dire... day 5 of rain I've tried to strip the banisters more, and managed half a newel post, it seems we are just taking top layers off and there is still dark varnish below... I will leave the spindles alone I think. I have saved money by risking washing the cushion covers on our sofa. they've been grubby since they came out of storage. hand washed fist then risked a low spin curtain cycle on machine. They came out amazing. We just have to do then all now !

    BT went though day before yesterday , well showed 0 balance on the old card, before yesterday showing much more on the transfercard. The joys of doing up a house on a cc. There are 3 cards now on 0% for 15, 18 and 22 months. Unfortunately the smallest balance is the longest lasting one. The plan is to pay around 400 per month until xmas, just more than minimums on the longer 2, then the short one pay enough to clear over the next 6 months. Then snowball the 2nd and 3rd cards. I hope with a couple of OT a month I with be able to have 1k a month on house repairs

    current order of work
    plod on with stripping banisters ( free )
    finish painting outside brickwork below bay. we have paint (free)
    gloss external porch door when it stops raining ( free)
    dig trench for footing raised patio , exlodger next couple of weeks, 100
    build raised patio, bricklayer is busy for 3 weeks, bricks, sand and cement and labour 1000
    hard core to fill raised patio and flag stones 500

    Right sided fence/ trellis. Joiner did fab last year on the left wall. This side is longer ( no brick shed). Now we have removed trees next door can see in. 400
    strip hall (free )
    remove plate rack living room. strip paper and ceiling paper ( free)
    plastering hall and living room , guessing 500
    2 new doors downstairs, plus fitting and lock front door 500
    Facias and guttering 900
    hall glazing ? 500 ( seen as everything else usually is )
    decorate sitting room and hall 200

    drains 4000
    bathroom 4000
    kitchen 3000
    flooring everywhere 2000
    New windows ( I can't stand the rose pattern in the upper windows ) 5000

    I'm thinking of a gardener for the heavy work. a fella knocked a few months ago and I said no.. I'm thinking of saying yes if he appears again. The shrubbery is willd and tbh I have suddenly developed an aversion to getting my hands dirty

    I don't want to start stripping the living room making it uninhabitable causing pressure to finish without the cash. Also days like today when my OH came in a 6am I have to be quiet. and likewise him when I'm on nights. We should've thought this house through more
    Last edited by Moneyfordreams; 11-05-2019 at 8:42 PM.
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • Moneyfordreams
    • By Moneyfordreams 11th May 19, 10:08 AM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    After yesterdays list I made a plan of when jobs could be achieved.

    Patio was Aprils salary, even though it runs into May It allows me a bit of a cushion.

    Joiner coming later to quote on doors and trellis. I won't be able to afford them until after May's payday, but at least there's a plan. OH has agreed to do a bit of digging out for extra 50 pocket money ;o

    June can be spent doing the stripping of the walls and prepare for a plasterer. June's pay can pay for plasterer. There may be some wiggle room to decorate from this. I only plan to paint the hall at this point as the bathroom upheaval next year may damage any paper.

    Then July and August save. I will hopefully have saved a bit each month, but will need 750 for our all inclusive hotel in September and a few quid spending money.

    Septembers salary will pay for gutters and facias to be replaced

    October and Novembers salary will hopefully be saved for a kitchen in the January sales if ours last that long. OH keeps putting wet pans on the electric hob to drain, causing them to rust!!

    DD2 has an interview for an apprenticeship next week ….. she wants help to buy and outfit

    I hoping there is no rise in interest rate over the next month or 2 . I want to fix for 5 years (decided to accept increase) but want to leave it until July 1st to process for August 1st start. otherwise I'm throwing away about 60. Unless there's a rate rise and I'm out of pocket . There will be structural changes in work possible in 18months. The goal post keeps moving. No job losses they say.. but I don't trust them. However after my > 30 years of employment, unless I monumentally mess up I will be fine
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • brizzlegirl
    • By brizzlegirl 12th May 19, 12:31 PM
    • 739 Posts
    • 5,001 Thanks
    brizzlegirl
    All sounding super promising. Love the jobs list stretching to the end of the year

    Have a great Sunday
    MFW..aiming to pay it off in 2022.. 2019 Savings Rate - Goal 40% 37% May 25% April 54% March ] 2019 Income Goal 301/750 June Goals: AFDs 4/25 Decluttering 40/80; LSDs 04/10; NSDs xx/05 Exercise in June RT 12k 02/15 12k steps per day pls Aiming to be a true Frugalista!
    • Moneyfordreams
    • By Moneyfordreams 12th May 19, 2:21 PM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    Ahhh , the lists stretch over 2 years really however I am super pleased to have planned this year. And fairly positive for the future

    I have my big birthday next March and need to save for that too. I've refined plans a little... instead of two centre Dubai and Sri Lanka, maybe 10 days in Mexico or Caribbean. We did decide to withdraw some supermarket shares when they mature next year to pay for next years renovations. Thankfully we live simply day to day.
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • brizzlegirl
    • By brizzlegirl 13th May 19, 8:09 PM
    • 739 Posts
    • 5,001 Thanks
    brizzlegirl
    Wow..either of those sounds great. Think we are similar ages we are also thinking of a long and memorable trip. However in our case as we are much further behind the curve than you on our debt busting/building up the funds so we may be staying in Europe and using the motorhome. But I am not complaining

    Hope your shifts this week are good x
    MFW..aiming to pay it off in 2022.. 2019 Savings Rate - Goal 40% 37% May 25% April 54% March ] 2019 Income Goal 301/750 June Goals: AFDs 4/25 Decluttering 40/80; LSDs 04/10; NSDs xx/05 Exercise in June RT 12k 02/15 12k steps per day pls Aiming to be a true Frugalista!
    • CathT
    • By CathT 14th May 19, 6:05 AM
    • 6,056 Posts
    • 42,208 Thanks
    CathT
    Sounds like the house will be looking as you want it by the end of the year. Did you expect to do all this work or did you plan it all after being there for a bit? It will all be worth it.
    June 2019 - part 1 - 69,271 part 2 - 43,690
    Total - 112,961 101 months to go!
    • Moneyfordreams
    • By Moneyfordreams 16th May 19, 5:35 AM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    No Cath, I thought kitchen diner wall removal and bifolds, then bathroom and simple decorating. Unfortunately the house gave us "lemons" after our arrival, drains, increased cost.. time... I imagined 10>15K ... reality will be ~ 30k to make lemonade .

    A house down the road has just gone up for sale 30k more than we paid for ours.... hopefully we won't be losing money.

    Hafax offered me another money transfer. This time with 12 month 0%. decisions decisons. We would still need to pay back with the SM shares next year.. but means drains and bathroom this year too.
    I'm waiting until after payday to decide.

    just sneakily writing a post as at the end of a shift. one more to go tonight. I have got OT next week that'll keep the budget topped up
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • Moneyfordreams
    • By Moneyfordreams 18th May 19, 7:49 AM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    off to the races today. I'm feeling mixed about spending money. The weather report says rain, I have some fabulous clothes I've not worn but are not suitable, I've bought a denim jacket to wear over the top of a long dress.. ( 20% off ) but now I'm not feeling it. I wish I'd stumped up for the new dress.

    My hair needs colouring , but I can't be bothered. Me and OH had a little upset early in the week and I'm still smarting I suppose. He's all cheerful and has a short memory. I'm not being awkward just a bit quieter than normal.

    Just been brought breakfast in bed

    I'm counting money to ensure our patio can be built next , betting money today , 50 plus spends ( and yesterdays clothes will eat away at cash for paving stones, which means they will be next months cost too. Oh well It's only once a year.

    OH did chop down shrubs this week the garden looks so much bigger. He still needs to did out the roots though.
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • Tahlullah
    • By Tahlullah 18th May 19, 7:51 AM
    • 967 Posts
    • 5,111 Thanks
    Tahlullah
    So much to do and so little time. Have fun on the journey.
    Still striving to be mortgage free before I get to a point I can't enjoy it.

    15 February 2019 - Mortgage debt - 78,400
    23 April 2019 - Mortgage debt - 85,000
    28 May 2019 - Mortgage debt - 83,300
    • Moneyfordreams
    • By Moneyfordreams 18th May 19, 8:14 AM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    Thanks, we probably will...
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • Moneyfordreams
    • By Moneyfordreams 19th May 19, 10:14 AM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    Came home with 40 change from 100 I did have a couple of winners and a couple of runners up to take the pain away. OH was terrible and lost his fairly quickly. Then afterwards I decided to try a Thai takeaway I've not been in . I had no idea on the menu. staff were not helpful, but in the end to get rid of my wondering they said did I like coconut... yes.... so gave me a peanut and coconut chicken thing. I don't like peanuts in food... wasn't a good decision. apart from not to go there again. tipsy or sober.

    Restful day planned today. I did end up accepting the cash transfer. The shower rail fell off the wall yesterday coupled with some plaster falling from where OH to the bathroom toilet wall down, I'm convinced the house will fall down without the drains being fixed (tree root issue). Structural engineer said last year to do that as soon as possible. Money not in account until tomorrow , but showing as a balance on cc. Tomorrow we will get some quotes from drain people, and the rest will sort the bathroom. This means extra 100 a month to pay off CC until October then I'll be paying 1k a month to CC to catch up. Shares maturing next summer will now most definitely be used to pay off a cc.
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
    • Moneyfordreams
    • By Moneyfordreams 23rd May 19, 12:29 PM
    • 1,300 Posts
    • 6,333 Thanks
    Moneyfordreams
    Well Tallulah , we had some more fun on the journey had a surprize road trip to Windsor... We stayed overnight in Dachet ( 62 for petite double) .. walked in and out of Windsor.. and visited the castle. My new car did it on one tank from the north west <40

    OH's wages are slightly better this month and my OT yesterday will cover the cost.
    This weekend the snagging to be complted front of house.
    Next weekend digging for patio foundations
    the following week the raised patio begins. Apparently the bricklayer goes on hols 14th June adn wants the job and cash before then

    Drain man comes to quote tomorrw pm. Fingers crossed for under 5k. ( structural engineer said last year 3.5k)
    Joiner not given us a quote yet. We had told him we wouldn't be ready until june. But we can do anytime now. Just as he gets busy

    When in Windsor I used an old bag I hadn't used in years. I shook the dust out before putting my clothing in. When unpacking I noticed an old necklace I had thought was stolen in 2010. Its a Gucci pendant 18ct gold 10g, shaped like a Yen, a circle with a hole in the middle with a corded necklace... I couldn't believe it. Shame I can't find my eternity ring and my dads ring my mum gave me.
    Mortgage restart June 2018 119950
    May 19 mortgage 111600, 4700cc, 6000, 1400, car 6550.
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