Get a grip woman!

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  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
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    Glad the dentist went better than first thought x
  • Karmacat
    Karmacat Posts: 39,460 Forumite
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    Yep, its always better to save a tooth if the dentist thinks its on.

    And oh my word, you've got a lot on your plate in the runup to Christmas!
    2023: the year I get to buy a car
  • Suffolk_lass
    Suffolk_lass Posts: 9,345 Forumite
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    Thanks, both of you, yes, at least the tooth does not have to come out!

    In other news, that trade with my neighbour was two huge legs of venison (a meat I have cooked precisely twice before - both as treats). I managed to press some home grown veg as well as the frozen fruit on to her in return and I think we both felt we had got the better end of the deal, so that is the best sort of trade. I could only get one in the freezer so defrosted the second one. Then we boned it and cooked a BBC Venison casserole recipe that was delicious. There is masses left over and I will need to make pies and freeze some. I am going to try and fit that in later today while I work from home.
    Save £12k in 2024 - #2 target is £5000 only £798.34 so far
    OS Grocery Challenge 2024 31.1% spent or £932.98/£3,000 annual
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My Debt Free Diary Get a grip Woman
  • Suffolk_lass
    Suffolk_lass Posts: 9,345 Forumite
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    My car is £540+VAT. That is £648 - just because some B'tard moved the plastic railings so I could not fit. My own fault, I know but I drove in through the space, why would it occur to me that I could not fit through the same space to get out?!
    Save £12k in 2024 - #2 target is £5000 only £798.34 so far
    OS Grocery Challenge 2024 31.1% spent or £932.98/£3,000 annual
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My Debt Free Diary Get a grip Woman
  • Karmacat
    Karmacat Posts: 39,460 Forumite
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    B****ggr! Agreed, logical to assume you could drive through the same space again!
    2023: the year I get to buy a car
  • Suffolk_lass
    Suffolk_lass Posts: 9,345 Forumite
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    I hate this plodding-point in the month. No money saving or debt-busting things to say because all but one expected payment has gone from both accounts, so it is just hanging on in there until pay-day now on the running costs account, and waiting for electricity DD to go this week on the bills account.

    So, my dilemma is - do I pay down the mortgage or build up the savings with the extra bits and pieces now the emergency fund is limping past £10k?

    Less than five years to when the mortgage will end, less than two years until DH and I want to stop paid work
    Save £12k in 2024 - #2 target is £5000 only £798.34 so far
    OS Grocery Challenge 2024 31.1% spent or £932.98/£3,000 annual
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My Debt Free Diary Get a grip Woman
  • Suffolk_lass
    Suffolk_lass Posts: 9,345 Forumite
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    Trying to avoid all Black Friday stuff. I need to eke out the money again by being sensible. I am just going to research turkeys and wine and then I plan to make cake and make up my recipe jars for next week's Craft Fair.
    Save £12k in 2024 - #2 target is £5000 only £798.34 so far
    OS Grocery Challenge 2024 31.1% spent or £932.98/£3,000 annual
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My Debt Free Diary Get a grip Woman
  • Karmacat
    Karmacat Posts: 39,460 Forumite
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    I was supposed to go to our local WI to get a little something for my SiL, as I'm seeing her next week. Forgot :o But that's the scale of my purchasing :D there's no Black Friday gubbins in my house :) the most I need is white paint :rotfl:
    2023: the year I get to buy a car
  • Suffolk_lass
    Suffolk_lass Posts: 9,345 Forumite
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    DEBTS[/B]

    [STRIKE]£110,621[/STRIKE] £98,999.66 (£11,621.34 paid so far) - Mortgage
    [STRIKE]£3,476[/STRIKE] £0 (£3,476)- DH's car - paid off on 21st Aug 17
    [STRIKE]£8,755.54[/STRIKE] £3,979.80 (£4,775.74) - Barclays 0% Finance for double glazing

    Total [STRIKE]£122,852.54[/STRIKE] £102,979.46 - that is £19,873.08 or 16.18% paid off so far.


    SAVINGS
    £10,948.25 Emergency pot
    £12,493.28 (was £12,549.27 in August - a dip in September and another this month) S&S ISA with Fidelity International (original £10,000 5 years ago, no further capital added)
    £6,560.59 DH's S&S ISA (with Charles Stanley Direct]
    £3,155.32 2 year Bond with Skipton BS @ 4% Finishes 31 Jan 2018 - This will be used to reduce the mortgage!
    £11,330.58 7 year bond with Skipton BS - matures Oct 20
    [STRIKE]£38,630.43[/STRIKE] £44,488.02 Total actual cashable savings

    Shortfall -£58,491.44 (all debts)
    Save £12k in 2024 - #2 target is £5000 only £798.34 so far
    OS Grocery Challenge 2024 31.1% spent or £932.98/£3,000 annual
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My Debt Free Diary Get a grip Woman
  • Suffolk_lass
    Suffolk_lass Posts: 9,345 Forumite
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    Very slow progress at the moment. Now the boiler pump has gone wrong so no heating. The indication that they would fit the replacement (involving draining down the system and taking 4 hours) is not happening today and the next day I can take at home is around 14th! I let DH take the time out to sort this but we are now in limbo. Am I alone thinking !!!!!! - doesn't this count as urgent with 24 hour delivery for the parts in these circumstances ?i.e. snowing and NO HEATING FOR A WEEK :eek:
    Save £12k in 2024 - #2 target is £5000 only £798.34 so far
    OS Grocery Challenge 2024 31.1% spent or £932.98/£3,000 annual
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My Debt Free Diary Get a grip Woman
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