Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • teapot2
    • By teapot2 11th Jan 19, 10:57 AM
    • 2,208Posts
    • 8,985Thanks
    teapot2
    Life is a minestrone as the song says - my new diary
    • #1
    • 11th Jan 19, 10:57 AM
    Life is a minestrone as the song says - my new diary 11th Jan 19 at 10:57 AM
    Hello all,

    I had a diary on this board a few years ago when OH and I were working towards being MF which we managed in mid 2014. That diary is here; https://forums.moneysavingexpert.com/showthread.php?t=2676587

    My last post on there was about starting a new diary which didn't happen. Life is now very different and although I'm MF, I'd like to re-start a diary here [if you'll have me] as this feels like 'home'

    Not long after I last posted my OH was diagnosed with a rare and aggressive cancer and life changed completely. This was a huge shock to both of us and we became immersed in the world of cancer treatment and learned a whole new language. Briefly, OH was in remission for 18 months then had a relapse which was terminal and died just over a year ago.

    I don't want this to be a gloomy diary though I still have many sad days but I do feel I need to get a grip on my finances and some sort of planning in place for the future and I hope writing about these and getting feedback from others [hopefully] will help with keeping me on track.

    I've been reading a few diaries but not posting as yet but have already got some thoughts about possible ways forward. I haven't lost all my MS ways in my absence from here but circumstances have not always been conducive to frugality I'll post again later about where I am financially.
Page 3
    • the cross rabbit
    • By the cross rabbit 17th Jan 19, 1:47 PM
    • 434 Posts
    • 2,654 Thanks
    the cross rabbit
    https://www.treehugger.com/living/
    hi how to make bee wax wraps
    CRx
    Mortgage 82,000, due to end July 2036. 18/1/2019 Mortgage 79,150.55
    #67 mortgage free wannabe 2019 157.48/800
    • teapot2
    • By teapot2 17th Jan 19, 9:27 PM
    • 2,208 Posts
    • 8,985 Thanks
    teapot2
    Thanks CR, that sounds fairly straightforward
    • teapot2
    • By teapot2 17th Jan 19, 9:43 PM
    • 2,208 Posts
    • 8,985 Thanks
    teapot2
    Very cold today though no snow so was able to go out to the PO and send my online sale.

    I also bought a new diary for work for 1.50, I did buy one online from P@perchase and thought it was the size and layout of the one I normally get but unfortunately it wasn't. I had to take it out of the cellophane to find out the layout so couldn't return it. I normally have a week to a page but this has a week to 2 pages and its driving me potty and I keep writing stuff on the wrong days. Also had a coffee and a brownie for 3.40

    Am nearly at cashout on Onepoll - just 10p to go but if previous experience is anything to go by, that last 10p could take several days to get Also did a Prolific survey but its been quiet on there for me lately.

    HM soup for lunch and the rest of the qu@rn and veg pie for tea with some cheese melted on top of the potato. Was meant to be having lunch with a friend tomorrow but she has had to cancel due to family probs so maybe next week,

    After the talk of PPI claiming on HHOD's diary, I think I might pursue a claim on OH's estate as I was his executor. He had a LL@yds CC so I might call them to ask about the process.

    Also did a bit on my tax return and writing up my figures in the account books but more to do tomorrow.
    • teapot2
    • By teapot2 18th Jan 19, 9:15 PM
    • 2,208 Posts
    • 8,985 Thanks
    teapot2
    Got my annual energy use email and was quite pleased as combined gas and electric cost 750 over the year. I sent meter readings every month and got a refund a couple of times. I know its still quite a lot but its a big house and since OH died, I've managed to reduce the bill to that from well over 1000 a year. During that year I was off work apart from a few months so was at home a lot more than I would normally be.

    This morning I rang the guy who services the boiler and reminded him I'd asked him to fit a new timer as the one on there doesn't work. That should help as well once its done.
    • beanielou
    • By beanielou 18th Jan 19, 9:31 PM
    • 63,813 Posts
    • 283,118 Thanks
    beanielou
    Got my annual energy use email and was quite pleased as combined gas and electric cost 750 over the year. I sent meter readings every month and got a refund a couple of times. I know its still quite a lot but its a big house and since OH died, I've managed to reduce the bill to that from well over 1000 a year. During that year I was off work apart from a few months so was at home a lot more than I would normally be.

    This morning I rang the guy who services the boiler and reminded him I'd asked him to fit a new timer as the one on there doesn't work. That should help as well once its done.
    Originally posted by teapot2

    That's great
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • teapot2
    • By teapot2 18th Jan 19, 9:39 PM
    • 2,208 Posts
    • 8,985 Thanks
    teapot2
    A NSD today, was v cold this morning when I stuck my nose out from under the duvet so snoozed my alarm twice before I decided to get up

    Caught up with some emails I needed to answer and after lunch started writing up the accounts in my book so I can get the figures to input online. Managed to get my main self employment written up apart from the travel which I need to include. Have also written up my online sales apart from the postage which I need to go through and add in so getting there slowly.

    Found the accounts quite hard going emotionally as it was a reminder of the time when I had to stop work after OH got his terminal diagnosis as I was checking things in my diary and all the appointments were in there. So, have had a break tonight and just watched TV and read a few diaries on here.
    • beanielou
    • By beanielou 18th Jan 19, 9:44 PM
    • 63,813 Posts
    • 283,118 Thanks
    beanielou
    Sorry, that must have been tough xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • teapot2
    • By teapot2 18th Jan 19, 10:03 PM
    • 2,208 Posts
    • 8,985 Thanks
    teapot2
    Thanks Beanie, am off to bed now, - tomorrow is another day.....
    • Karmacat
    • By Karmacat 18th Jan 19, 10:32 PM
    • 31,669 Posts
    • 186,938 Thanks
    Karmacat
    My word yes, that must have been really tough - I'm so glad you were kind to yourself about it, thats awful to have to dig through it all to get the detail.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • Mortgage Minimiser
    • By Mortgage Minimiser 19th Jan 19, 7:32 AM
    • 176 Posts
    • 732 Thanks
    Mortgage Minimiser
    Sending huge hugs
    xxx
    2016 MFW#46 O'Pd- 3641.26; 2017 MFW OP'd 7779.28 ; 2018 MFW OP'd 11,515.16
    MFiT-T4 # 59 - reduce mtg to 195,000; MFit-T5 - reduce mtg to 140,000
    Mortgage at start (01/2/2015) - 243,750. @31/12/15 - 235,906.71. @31/12/16 - 224,120.98. @31/12/17 - 210,224.06. @31/12/18 - 190,821.21
    Mortgage today 182,814
    • teapot2
    • By teapot2 19th Jan 19, 9:34 PM
    • 2,208 Posts
    • 8,985 Thanks
    teapot2
    Not a great sleep last night so a bit reluctant to get out of bed however when I opened the living room curtains at the back there was a tiny wren hopping about and visiting all the pots and containers hopefully finding and eating some insects. I watched for ages until s/he hopped away through the fence - love it

    My friend was meant to be driving over from the city but texted to say her car wouldn't start so she came over on the train and I met her at the station. We went to a cafe and had a good long blether. So, not a NSD but we split the bill so 7.50 for my share of lunch and nothing else spent.

    Have done a bit of adding up postage for the online sales bit of the tax return but that doesn't have an emotional catch like yesterday so felt ok about doing it.

    Today enjoyed; friendship, snowdrops out in the front garden and the visiting wren
    • teapot2
    • By teapot2 20th Jan 19, 7:26 PM
    • 2,208 Posts
    • 8,985 Thanks
    teapot2
    A lazy morning doing not very much, listened to Cerys Matthews on 6 music as she was broadcasting from 'Celtic Connections' - never been but maybe next year

    I did quite a bit more on the accounts this afternoon and have pretty much finished them so very pleased with that. Will need to input the figures online then just have a few more sections to complete.

    Also sorted out some papers for shredding and managed to collapse 4 cardboard boxes for recycling so a bit more decluttered.

    I've felt really hungry today for some reason (though didn't eat much yesterday evening) but have mostly resisted eating carp. I finished the soup at lunchtime so will need to make more tomorrow. Have run out of carrots but have a sweet potato hanging about so will use that along with leeks and lentils.

    Tea was the last of the qu@rn and veg mince with spaghetti, I knew the packet of spag had been there a while but when I looked the best before date was November 2013 Tasted fine though.

    I've been waiting for a Onepoll survey as was 10p off cashing in. I've noticed that when I get that near, theres a couple of days where no surveys show then one comes along even at the weekend so have been checking occasionally. Got a 20p survey this evening so have now cashed out

    Boiler guy rang and is coming on Tuesday to fit the new clock and timer so I'll be pleased to get that done.

    Going to chill and watch 'Vera' before bed
    • beanielou
    • By beanielou 20th Jan 19, 7:56 PM
    • 63,813 Posts
    • 283,118 Thanks
    beanielou
    Good news on one poll.

    Watching Vera too
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • Karmacat
    • By Karmacat 20th Jan 19, 8:02 PM
    • 31,669 Posts
    • 186,938 Thanks
    Karmacat
    Well done on all that lot! That's really good work

    I confess, I'm going to watch the SAS thing, weirdly fascinating and I've never seen it before.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • teapot2
    • By teapot2 20th Jan 19, 9:37 PM
    • 2,208 Posts
    • 8,985 Thanks
    teapot2
    Have never watched that - what did you think?
    • Karmacat
    • By Karmacat 21st Jan 19, 8:41 AM
    • 31,669 Posts
    • 186,938 Thanks
    Karmacat
    The psychological aspects are much, much more important than you'd think. Physical fitness, mental stability, mental flexibility, and teamwork - and almost half of them have left for one or the other issues. The aggression thats necessary for fighting has covered about 1% of the exercises so far, thats all. The teamwork thing included the ability to lead - the ones who so far can't do that are scraping in by the skin of their teeth, it'll be interesting to see how it develops.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • jodles16
    • By jodles16 21st Jan 19, 9:11 AM
    • 1,442 Posts
    • 4,368 Thanks
    jodles16
    Welcome back teapot! I am so sorry about all that you have been through. I do love watching the birds in the garden, something just marvelous about how they move around and go about their business!

    Well done on the payout, you are right, sometimes 0nep0ll takes a long time to get to the final survey!! Hurray for managing though!

    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-

    • teapot2
    • By teapot2 21st Jan 19, 9:12 PM
    • 2,208 Posts
    • 8,985 Thanks
    teapot2
    The psychological aspects are much, much more important than you'd think. Physical fitness, mental stability, mental flexibility, and teamwork - and almost half of them have left for one or the other issues. The aggression thats necessary for fighting has covered about 1% of the exercises so far, thats all. The teamwork thing included the ability to lead - the ones who so far can't do that are scraping in by the skin of their teeth, it'll be interesting to see how it develops.
    Originally posted by Karmacat
    I'd never get chosen [not that I ever had any interest in applying] for all sorts of reasons and not just old age BTW
    Last edited by teapot2; 21-01-2019 at 9:44 PM.
    • teapot2
    • By teapot2 21st Jan 19, 9:22 PM
    • 2,208 Posts
    • 8,985 Thanks
    teapot2
    Welcome back teapot! I am so sorry about all that you have been through. I do love watching the birds in the garden, something just marvelous about how they move around and go about their business!

    Well done on the payout, you are right, sometimes 0nep0ll takes a long time to get to the final survey!! Hurray for managing though!

    Jodles
    Originally posted by jodles16
    Thanks for the welcome and dropping by Jodles. Yes, love watching the birds though its fairly quiet in the garden at the moment. There is no robin this year which I miss.

    Gets much busier after the wee ones arrive and they all come to feed. At the moment its mostly jackdaws, who are beautiful as well and clever. They used to sit on the fence and pull the feeder towards them and hook it with a claw and get the seeds that way. My neighbour built a big extension last year and put some extra slats on the fence to heighten it which is near the feeder so the jackdaws can't perch and grab. They have adapted their feeding and now fly at the feeder and flap furiously while pecking out as much as they can in a few seconds then fly off to a roof top and swoop back to do it again. All the lunging means quite a bit of seed ends up on the decking and the pigeons mop that up so win win all round.
    • teapot2
    • By teapot2 21st Jan 19, 9:43 PM
    • 2,208 Posts
    • 8,985 Thanks
    teapot2
    Another NSD day

    Very cold again and quite a bit of frost so I waited until it melted and the decking dried a bit and I put all the flattened cardboard in the shed and tied the new covers onto the recycling boxes and sorted out more papers for shredding or recycling. Took the food waste out as well as the bag was full. Its not recycling day till Friday but if I get organised now I'm more likely to put it out for collection.

    Made soup for lunch with a sweet potato, leeks, pepper and lentils - was nice and thick. Had some with oatcakes and cheese for a change. Then went to physio appointment. There is progress which is good and she gave me more exercises to do on top of the existing ones. I had to practice them there for about 15 minutes. Then I walked home which is about the furthest I've walked since surgery. Think my legs will be sore tomorrow as already feeling it - those exercises used muscles that haven't been exercised for a good while

    Came home to an online sale so will pack that up tonight ready to post.

    Had a tea tonight, I couldn't eat all of my tea last night which was a kind of spag bol with qu@rn mince and veg so didn't want to waste it and put it in the frying pan and added a couple of beaten eggs and grated cheese over it and made a sort of omelette It was filling but not a keeper is all I can say about that!!!!

    I've finished my accounts and checked my adding up and subtracting so have inputted it online and it seems to have gone though. I need to go back and explain that I stopped work when OH got his terminal diagnosis which is why there is so little income. There's a box to add information so I'll put it there. Then I have a couple more sections to complete and it should be done.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,925Posts Today

8,123Users online

Martin's Twitter
  • This is why I wrote the guide to financial abuse. It's tough to know when it's happening to you. It's also worth? https://t.co/XGI2sI7hOU

  • RT @David_Challen: Really happy @MartinSLewis is raising awareness of economic/financial abuse. My mother cleaned her cousins home for poc?

  • Has anyone successfully reclaimed PPI on behalf of a deceased relative. I'm doing a blog on how to do it, and I'd? https://t.co/PHXJXCzvc6

  • Follow Martin