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  • FIRST POST
    • Cherryfudge
    • By Cherryfudge 2nd Mar 17, 11:10 PM
    • 2,681Posts
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    Cherryfudge
    Cherry takes the reins
    • #1
    • 2nd Mar 17, 11:10 PM
    Cherry takes the reins 2nd Mar 17 at 11:10 PM
    Hi everyone.

    I'm hoping I can legitimately post a diary here as I'm in the blessed position at the moment of my only actual debt being my mortgage, but I've had a huge change in my circumstances recently and how I manage it will have a big impact on our finances.

    I need to talk things through, if only with myself, and motivate myself with small money savings and accountability. For the last few years I've not kept an eye on money but I work and DH's pay has gone up so we've had enough and a bit to spare and I've got lazy with some and wasn't mentally able to face other aspects. Now that I'm in a much better place mentally, I want to take the reins and be deliberate about what I spend. I need to start facing up to this right now because we are covering costs for my Mum's estate until probate is settled. I know this isn't legally necessary but we can pay ourselves back from the estate once the paperwork goes through and I don't like the estate to be building up debt (which oddly is possible).

    A bit late tonight to launch into details about the estate so I will give a brief explanation of other financial stuff. DH and I have a couple of joint accounts and a mortgage. We have an aging car which needs to be replaced soon and is essential (DH's work and transport for a disabled relative). We are also going to a family wedding abroad in July, and have paid accommodation and air fares but there will also be car hire, food, sundries and some of the clothes still to buy. DH's income is the larger and pays all the utilities, holidays, fuel and etceteras. Mine goes into the other joint account and pays the mortgage and food, which gives me a lot of pride . I also pay for contact lenses, some donations which I don't want to stop, my phone contract and, temporarily, costs incurred trying to sort Mum's estate.

    The breakdown of where my money goes (pcm):
    Mortgage: 282.24
    Donations: 120.00
    Contact lenses: 22.00
    Phone 8.40
    Amazon Prime: 7.99
    Food for 4 adults 80.00 (pw) (approx. 347 pm)

    Income:
    Roughly 1,000 pcm (variable due to overtime)
    Bank £3 (if I get my wages transferred regularly)

    This month and possibly next I have lots of extra fairly hefty outgoings in terms of travel, paying a cleaner, insurance etc. that are all to do with Mum's estate. I will, as I said, get these back from my eventual inheritance but meanwhile I want to tread carefully and of course it will decrease what I inherit. Duh.

    To encourage myself I'm keeping this diary and would love to hear from others as I do so. I can't always see things clearly till others give input.

    Action I can see I need to take:
    Get my wages paid directly into this account so I always get that £3! Done in time for May 2017
    Cancel Amazon Prime - cancelled 7/3/17

    Little MS things I've managed today:
    Started this diary
    Taken lunch to work - overnight oats
    Mended a favourite cardigan so I can wear it in daylight
    Put myself down for 3 extra shifts. 2 of these particular type of shifts pay for a journey to work on Mum's house.

    Uh-ohs
    Forgot DH had an evening meeting so went for the quick-cook supermarket pizza which isn't best use of food money when I could have been using stuff up.
    Far too tired after a late night and an early shift, to go for a run. I know that's nothing to do with money but for lent and my waistline I'm doing C25K.
    Last edited by Cherryfudge; 31-05-2017 at 9:21 PM. Reason: Update
Page 72
    • Honeysucklelou2
    • By Honeysucklelou2 1st Feb 19, 11:33 PM
    • 1,550 Posts
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    Honeysucklelou2
    I enjoy reading your thankful list Cherryfudge. It is good to remind ourselves of the blessings of each day...thank you.
    paydbx2019 #93 £572.38/£10,100 .
    School trips £1016/£1269..
    EF £210
    • Cherryfudge
    • By Cherryfudge 2nd Feb 19, 1:48 PM
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    • 16,801 Thanks
    Cherryfudge
    I borrowed the idea from in need of direction, Lou. It's nice to finish on a positive!

    Today was going to be an NSD but I have just bought my train ticket for next week: £49.92, which I'll reclaim from Mum's estate. Amazingly, I have cash left in the housekeeping find again: £14.35! £10 of it has gone with DH though, as he is doing the Sunday dinner shopping while I'm at work this afternoon.

    Nothing else to report: yesterday's snow is glistening in the sunshine an d the birds are searching through it for the remains of yesterday's bird food.

    Time I went to work.

    Spending:
    Travel £49.92 (to reclaim)
    Things to be thankful for:
    Sunshine
    Sunshine
    more sunshine
    DH has put the final kitchen cupboard up - looking good!
    Extra work.
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 2nd Feb 19, 7:33 PM
    • 8,834 Posts
    • 68,616 Thanks
    HairyHandofDartmoor
    Glad all your kitchen cupboards are up Cherry and hope you have a good day at work .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £0
    • WannabeFree
    • By WannabeFree 2nd Feb 19, 7:50 PM
    • 3,488 Posts
    • 32,687 Thanks
    WannabeFree
    Hope work went okay

    Well done on the overpayment

    Take care
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
    • Cherryfudge
    • By Cherryfudge 3rd Feb 19, 10:59 PM
    • 2,681 Posts
    • 16,801 Thanks
    Cherryfudge
    Finished work for a week! Tomorrow I'm off to work on Mum's old house again, to try to make some real progress. I plan to be back on Thursday which gives me a couple of free days at home: I found on my last trip that there's no transport on Saturdays at the moment, and all recent Friday journeys have been awful, overcrowded, exhausting...

    Today has been an NSD, with no particular money saving to report. The paths were like an ice rink in places this morning but tonight it's melting fast and the forecast is quite nice for the next few days. I'm low on Internet on my phone so I'll probably need to top that up, which will be a fiver.

    DS2 has just announced he and a friend are going to visit another friend - on the far side of the world! Eek! I was okay with DH and me going, and DD went for much longer and came back unscathed and happy, but it's easy to worry when it's this particular offspring...

    Things to be thankful for:
    Annual leave to use up
    Good weather forecast
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
    • Cherryfudge
    • By Cherryfudge 7th Feb 19, 10:46 PM
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    Cherryfudge
    I'm back!

    Travelling Monday to Thursday turned out to be a good call: trains ran as they were supposed to and I had a seat all the way there and all the way back - it's been months since that happened. The new cabin case was also a good choice as it's light, manoeuvrable and stable. It was fun discovering that not only does it fit through the centre aisle of a train without having to go sideways, but it can actually be wheeled through. That's brilliant.

    I got loads done! Well, the first half day was very productive but the next day I think I was just too tired and maybe fighting off a cold or something. I didn't feel I was doing well, dragging myself through jobs, so I had a bath and an early night and slept for ages. The next day I felt healthy and energetic and forged ahead, got loads done in the remaining time. I mean, there are still months of work to do at the pace I've been going but I do feel it has to be clean in order for me to make sense of what is rubbish, what I want to keep and can keep, what I want to keep but can't and what someone else might want (and then, whether to send it to charity or attempt to sell it).

    I managed to lose a crochet hook on my journey over so I've bought a replacement today, and some of those little inserts that add a layer of shelf space in cupboards. Then I got groceries, by which time I was laden with stuff as I still had my case with me, so I was tired when I got in. I think a quiet evening and computer games are restorative though.

    I did get a few groceries while I was away, so my spending is as follows:
    4/2/19:
    Gift £10.00
    Housekeeping £5.50 (Confession: £2.60 was coffee on the train)
    5/2/19:
    Housekeeping £2.10
    6/2/19:
    NSD
    7/2/19:
    Housekeeping £5.95
    Hobbies £1.50
    Household £3.98
    MS:
    Found 8 umbrellas at Mum's place and today was rainy so I've brought one home! I am sure seven will suffice over there as I've used them maybe once in several years.
    Flask of coffee for the return train (but this flask doesn't taste nice)
    Decluttering:
    I can't find my list right now but I think something around 25 items. Some were tiny like stray envelopes and some were bigger (I went through all the cleaning stuff and chucked two old carpet cleaners that looked worse for wear and had no instructions).
    Last edited by Cherryfudge; 07-02-2019 at 10:52 PM.
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
    • Cherryfudge
    • By Cherryfudge 8th Feb 19, 1:50 PM
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    Cherryfudge
    After a wet, windy start to the day we now have a sunny, windy day - so after giving myself the morning off, I've spent the last couple of hours pottering about putting things in their right places and searching for the last ball of wool for this crochet. It's nowhere to be found. If it doesn't turn up soon I will go and get more... it's one of these yarns that has bits of different colours in, so I'm hoping the change in dye colour from one batch to another won't be too obvious. In fact I remember the missing ball was from a different batch and slightly more 'salmony' than the rest!

    Other than that I have 101 things to do. Maybe an exaggeration there but I haven't done my makeup, I need to find a roofer to fix two displaced tiles (the man who did the log burner was supposed to be doing this but isn't replying to texts, which is a shame as I will pass that on to anyone who asks us if we can recommend his work)… what else? I've told DH I'd visit his Dad today. I need to contact work about an annual leave day. There are a few things like toothpaste that really ought to get bought. Pudding rice too, as we have 4 and a bit pints of milk in single pints and A and H will be back tomorrow needing their share of the fridge! Oh, and dinner for tonight.

    On the plus side I have caught up with Wannabe's thread and her fantastic news , and it's warm enough indoors for me to wear a tee shirt so I feel much more able to do things than when I'm bundled up.

    More anon.
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
    • Cherryfudge
    • By Cherryfudge 8th Feb 19, 2:51 PM
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    • 16,801 Thanks
    Cherryfudge
    ...oh, and the little matter of housework.

    I rang work and my manager is off sick so I'm going to carry the leave forward: they can do without another person off on Sunday and I don't really need it. I might try for some random Sunday between now and the start of the next financial year, though, as a Sunday off is lovely.

    I've made a start on the latest lot of mould that haunts our bathroom, sent a slightly shirty message to he-who-does-not-do-customer-follow-up, done my makeup (before phone call and message: power psychology )… now for coffee then I'm going out.
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
    • Cherryfudge
    • By Cherryfudge 8th Feb 19, 10:54 PM
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    • 16,801 Thanks
    Cherryfudge
    Well, what do you know? I actually completed my list! I think that's the third time in my life, and yes, I do keep count.

    Had a lovely chat with DFiL - he's looking a lot better than he did a couple of weeks ago. I also got the bits of shopping and the wool turned out to be from the same batch as that which I'd originally bought! I told the shop lady how marvellous this was and it seemed to cheer up her weary face (it was nearly closing time and I was the only one left in the shop but I got the impression she knew it made a difference, she wasn't just celebrating the end of the day and the fact that Happy Woman would soon be out of the shop).

    I finished cleaning the bathroom, which I always tell myself is proof to all comers that my standards are naturally high and any mess or clutter they've witnessed elsewhere in the house is nothing to do with me. I also tidied out the fridge, thus hiding the fact I've been borrowing A & H's part of it while they've been away. There was also a spot of decluttering as the OOD meds have gone to the pharmacy, a small carrier of oddments has gone to the charity and lots of bits of packaging has gone in the recycling.

    I met DH in the supermarket so we spent a bit extra by getting the fish to go with tomorrow's chips, and various other bits and pieces.

    Spending:
    Hobby £3.50
    Housekeeping £13.93
    Medical £1.50
    Toiletries £1.00
    MS:
    Reclaimed train fare from the estate
    Paid off CC
    10th coin savings £1
    Hot chocolate and chorizo both on at lowest price so got one of each.
    Decluttering:
    Total from time away turns out to have been 32 not 25.
    Today's total 23.
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
    • Cherryfudge
    • By Cherryfudge 9th Feb 19, 6:58 PM
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    Cherryfudge
    Not much to report today: I've been lazing about quite a lot, and made a lot of progress on my knitting, but now I'm wondering what to do when it's finished.

    DH and I went to buy paint and another item for the kitchen - the whole kitchen project is being slowed by the parts not being available but we now have a door for the last cupboard. I had just over £10 left of the housekeeping but we pooled what we had left and did the Sunday dinner shop, after which we only had small change, but that's better than going over.

    It's A and H's last weekend with us. Of course we will see them quite often but their new home should be ready this week. They spent the morning doing their holiday laundry as one does, next weekend I think it will be J and L's washing as they are due to move in when the others move out!

    Storm Eric seems to be subsiding: a tree in the garden decided to shed twigs and a small branch but nothing too drastic. The man who installed the log burner came back for some of the remaining jobs but I wouldn't let him do the work around the chimney as I thought the wind made it too risky. Hopefully in a week or two he can make that good too.

    Spending:
    Housekeeping about £10.50?
    Pets (fish food) DH paid
    Kitchen cupboard (household) DH paid
    MS:
    Frozen fish with our chips not ones from the chippie
    Decluttering:
    Nothing
    And I'm thankful for
    Lots of days off and time with family
    A nd H arriving home safely
    Another kitchen cupboard should soon have a door!
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Feb 19, 7:05 PM
    • 8,834 Posts
    • 68,616 Thanks
    HairyHandofDartmoor
    I'm glad log burner man has returned and that you didn't lose more than one branch on your tree. It always seems sad to me when mature trees come down as they are so majestic and interesting even in the winter.

    Good news on the kitchen cupboard door too .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND 1 = £4,005. EMERGENCY FUND 2 = £1,505.
    Goal - buy £50 worth of Premium Bonds per month = £0
    • Sun Addict
    • By Sun Addict 9th Feb 19, 7:22 PM
    • 7,018 Posts
    • 50,831 Thanks
    Sun Addict
    I used to knit a lot when my children were young but haven't picked up the needles for a long time.

    Our garden has been ravaged by the storm. We are very exposed where we are at the top of a hill.

    Lovely to read your things to be thankful for, we often forget the simple things day to day
    Virtual Sealed Pot 2019 £201.59
    Weight loss 7.5/9LBS
    Emergency Fund £3260/£10,000
    • WannabeFree
    • By WannabeFree 9th Feb 19, 8:00 PM
    • 3,488 Posts
    • 32,687 Thanks
    WannabeFree
    I really should learn to knit! It's something I have never been able to get right.

    Happy to hear the log burner man came and finished up, hope he comes back to the chimney soon.

    Hope FIL is better too

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
    • Onebrokelady
    • By Onebrokelady 9th Feb 19, 9:23 PM
    • 1,641 Posts
    • 10,140 Thanks
    Onebrokelady
    You have been very busy and productive,well done on the decluttering,we had a fairly rough couple of days with the storm and I was worried about my trees but luckily they were all ok,it's absolutely chucking it down here at the moment, we got soaked when we took the dog out earlier,it was definitely milder today though which was nice
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £1,835 Total Now Owed = £15,795
    Emergency Fund = £1,330 Xmas savings = £350
    • Cherryfudge
    • By Cherryfudge 10th Feb 19, 10:14 PM
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    Cherryfudge
    Thank you all for the replies

    There are loads of twigs littering the garden but no real damage, unless you count me having found some mistakes in the knitting and having to take a couple of days' work out.

    Wannabe, did you mention you sometimes take the children to an old people's home? Lots of older ladies will have knitted for their children and might relish teaching you and your family.

    Nothing spent today.
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
    • Cherryfudge
    • By Cherryfudge 11th Feb 19, 10:09 AM
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    • 16,801 Thanks
    Cherryfudge
    I'm in work later and really not getting a lot done this morning despite the house being absolutely inundated with laundry at every stage from waiting to be washed through needing to go on the line, needing ironing or folding and just plain waiting to be put away. The only stages missing are waiting to come in off the line and ironed but waiting to be put away.

    So, a list:
    get dressed
    laundry onto line
    another batch in to wash
    ironing - aim for 20 items or finish the pile, whichever comes first
    sort out tea
    any shopping needed?
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
    • Cherryfudge
    • By Cherryfudge 11th Feb 19, 12:16 PM
    • 2,681 Posts
    • 16,801 Thanks
    Cherryfudge
    It's taken a couple of hours but the list now looks like this:

    get dressed yes! And had lunch and washed my hair.
    laundry onto line - two loads (smug grin)
    another batch in to wash third batch in the washer
    ironing - aim for 20 items or finish the pile, whichever comes first there are 17 items, none ironed yet
    sort out tea soup from fridge
    any shopping needed? yes, will go and get it in a few minutes.
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
    • Cherryfudge
    • By Cherryfudge 11th Feb 19, 10:29 PM
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    • 16,801 Thanks
    Cherryfudge
    Amazingly, I got the list done, apart from 3 pieces of ironing and the shopping, which I decided can wait till tomorrow. I was going to buy one of the Kindle daily deals (e-book) but when I checked it had gone from £0.99 to £9.99, so I decided I didn't want it enough. I think I will get one or two of this month's special offers though: I started reading the sample of James Herriot's first book, which I read many years ago. He's as readable as ever.

    It's been an NSD, and I now have two days off (with a fresh mound of ironing), but I'm planning to make soup and do at least a little more decluttering. Two items gone today, both on the small side. I'll add them in when I have a larger total.

    Things I'm glad of: sunshine, laundry on the line, my favourite soup for tea and finding what looks like a yummy chocolate cake recipe (it's in the free magazine from Mr T. this month).
    Last edited by Cherryfudge; 11-02-2019 at 10:32 PM.
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
    • WannabeFree
    • By WannabeFree 11th Feb 19, 10:43 PM
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    WannabeFree
    Do you have a kindle Cherry or do you read on your phone?

    I keep looking on my phone as there are quite a few free ones. I think it would be easier for me than carrying a book around.

    Well done on the list!

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
    • Cherryfudge
    • By Cherryfudge 11th Feb 19, 11:08 PM
    • 2,681 Posts
    • 16,801 Thanks
    Cherryfudge
    I do have a kindle, Wannabe, but I had the app on my old phone as well - you don't need an actual kindle to use it. I have some childhood favourites on it that I got as free downloads, and I often get the free download of a book to see if I might like it enough to buy. Unfortunately I often then go on to buy! But they are often cheaper than 'real' books, and they don't fall to bits or fill my already-full bookshelves!
    MFW #30 Overpaid by £4,100.58/£3000 in 2018 Overpaid by £555.74/2,880.00 in 2019
    Decluttered in 2019: 543/2019 as of 17/4/19
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