Making a move on debt

Car
Last Friday we took the car for the MOT and it failed. Called the garage who had just done the service and told him what it failed on, he needed to order a new part which wouldn't be in until Tuesday. Tuesday we put the bikes in the boot and took the car to the garage then cycled home, only took 35 mins so was pleased about that. Wed afternoon we were able to collect the car, so we cycled back to the garage to collect the car, saving us bus fare and was good for the fitness. The car this time cost us another 70 odd € for the part and labour. We took the car back to the MOT and only needed the part that it failed on re-tested, it passed. would have been annoyed if it hadn't, this re-test cost us 12€. since the car mot and repairs funds were now empty we had to take the money from the new car pot.

Work
We have been off work this week for co #1, we still had to do work for co #2 as we were unable to get the time off for this work, it was only 2 1/4 hrs work this week, so not too bad.

Vets
Our cat had to go to the vets for her yearly injections, we walked to the vets with her in her carrier bag, she was given the good once over and nothing wrong with her this cosy us 55€, the money came out of the pets pot and there is still plenty left in there.

City Hall
For the last few months I have been in the process of getting together all the paperwork needed to change my nationality, on Friday I finally gave the last piece of paperwork in and paid the fee of 150€ for the nationality change. It should take about 4 months for this to all be processed and then I will no longer be a Brit.

Bank
Will be back later with an update about the bank this week.

muppets wrote: »

Just lost a long post.
Long post cut short,

OH and I have managed to get a re-finance deal for our mortgage, in total after fees we will save 21,892.43€ in interest and will knock 2 years 10 months off from our mortgage.:j:T

Short To do List for the weekend latest.

Need to read meters (tomorrow).DONE
Collect food shopping, order done online and saved 5€ off shopping by using a code.DONE
Aldi shop for drinks, water cola etc.NOT DONE
Email hrs co #1 DONE and #2 NOT DONE
Update savings for sept (money saved from food shopping)
Update siggy. DONE

Most of the list got done, still need to do the others.

Still not heard from the Houseing association, OH called them again Tuesday, we were told what the delay was with them contacting us. OH asked them if they could just tell us over the phone what the quote for the work was. The total cost for the work will be 3400€ and they have said they will pay half of that. We still need to wait for it in writing, the delay is from the Housing Associations solicitor, aparantly it all has to be written in legal jargon. We did get an email from them telling us it had now been sent out in the post, friday was a postal strike here so hoping it will be here Monday now.

Need to email work hours to both co #1 and co #2 for this week.

Since we put the heating on, it has been on most days, it is set on a timer and comes on when we are due home from work. There have been a few days where we have turned it back off once we were home. I have adjusted some of the times that it comes on and goes back off.

We have now booked vacation days for Nov/Dec, waiting for confirmation now for these days. We have had to wait right up until the last few days for confirmation before, as the job we do needs to be covered by someone else and they always seem to wait till the last week to arrange cover.:mad:

Payment have been made to the UK debts, hoping to get a nice bonus amount this year, so depending on how much that is I will be sending most of it to pay off some UK debts.

Last month we came in under budget for shopping by 79.13€.

I have started a catagory on YNAB to save this money and will use it for any catagorys that are under budget when the bills come it.
Before I spoke to the bank and changed my monthly payment to include O/P I was saving the O/P money until I had spoken to the bank, there was more then 600€ sitting in there, I have been adding to it the last month or 2 and we now have 1073.57€.

Heating is still on part time, hoping that it can stay like that for a bit longer and that it doesn't get too cold that we have to have it on all day when we are home.

Finally had contact with the Housing Association about how many rooms were included in the quote for sound block and there was the living room/ dining room and 2 bedrooms, it was agreed that the 2nd bedroom wasn't needed as we don't hear so much noise in that room and since we don't use it to sleep in it much it wasn't so important, the Housing Association will deduct the cost of the room off the price.:)
We have given dates that we will either be home after work or be at home from work for the whole day so that they can either do the work then or will have to work round our work hrs.

Heating has been on and off most days. It is needed when we get up for work at 4.50 am and is on until 5.40am and then again when we are home in the evening. The times that we are home in the day the heating has been put on for a short blast and then turned off again.

Some money has been paid to the UK debts, so that another £15 less that I owe to them.

This week is a short work week for OH and I as we have fri and sat off this week and then off next week until Thursday, so next week will be such a short week with only working thurs, fri and sat.:j
Work finally sent back my holiday confirmation, last holiday we didn't even receive it so wasn't too worried about not receiving it as I would have taken the time off no matter what.