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  • FIRST POST
    • Skint yet Again
    • By Skint yet Again 5th Feb 17, 10:27 AM
    • 3,697Posts
    • 19,369Thanks
    Skint yet Again
    Get a grip !
    • #1
    • 5th Feb 17, 10:27 AM
    Get a grip ! 5th Feb 17 at 10:27 AM
    .....25/11/2018 ......
    I have decided to update as its been ages since I started this thread and so much has changed including my priorities.....

    We gained a puppy after starting this thread and although she is a handful she has given me something to focus on and to get up for each day.

    DS split from one long-term gf and is now several months into a new relationship and started a new job and seems very happy.



    Sadly DM passed away suddenly this year and I miss her every day. Then DF was seriously ill in hospital with sepsis and almost died but thankfully he found the strength to pull through and is making a full recovery physically. We are supporting one another emotionally as a family.



    I started this thread with the focus on saving some money. That hasn't happened and I have ended up with some debt on a 0% credit card but it is being paid off as planned and I am still managing to pay all bills and still have some money to spend with friends. I am planning to start saving for an emergency fund in the new year 2019.
    Last edited by Skint yet Again; 25-11-2018 at 6:52 AM.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
Page 5
    • Skint yet Again
    • By Skint yet Again 28th Feb 17, 2:38 PM
    • 3,697 Posts
    • 19,369 Thanks
    Skint yet Again
    Payday


    We have food again ! Shopping budget March 55.30 / 300


    I have been fancying pizza for days since being inundated with voucher codes by email & text & through the letterbox so I treated myself to a sweet chilli chicken pizza from aldee 1.39 for lunch... I am stuffed


    Online banking done & council tax-free month money 128 moved into holiday account. That's 256 and should be enough for petrol & visit to family in the summer
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 28th Feb 17, 5:20 PM
    • 14,206 Posts
    • 47,670 Thanks
    savingwannabe
    Hooray. That's a lot of money really well done!!!

    I am going to see if I can wait one more day as I have bananas I need to eat first and also some turkey bits I hope to cook tomorrow when it defrosts.

    It was lovely today and then it rained! but it seemed brighter. I fell asleep for most of the afternoon
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 28th Feb 17, 7:49 PM
    • 3,697 Posts
    • 19,369 Thanks
    Skint yet Again
    I must admit I had a wee snooze too after all that pizza for lunch


    I pay my council tax over 10 months but budget the same amount for 12 and put the 2 council tax-free months Feb & March into my holiday fund.


    I will be glad when spring is here and I can start getting out and about a bit more. I am planning a trip to the nearby city museum this month as they have a few exhibitions on I would like to see and its free. I haven't been for ages and used to take my DS when he was younger as a cheap day out.
    Last edited by Skint yet Again; 28-02-2017 at 8:02 PM.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 1st Mar 17, 8:22 AM
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    savingwannabe
    That sounds lovely. No matter where I have travelled to I always love the UK as there is so much to see and do.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 1st Mar 17, 4:22 PM
    • 3,697 Posts
    • 19,369 Thanks
    Skint yet Again
    I am tired today and have slept for over an hour this afternoon. I have managed to get an appointment to see the Doc later this month to try and sort my fatigue and post-op problems. Need a shot of go-go juice for some energy lol


    DS and his gf were here for lunch so we had roast chicken wraps with salad. I have put some beef in a casserole dish with a curry sauce in the oven for dinner nice and easy it smells lovely already I will do some batch cooking tray bakes breakfast sausages and chicken for DS too while the oven is on and they will go in the freezer once cooled.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 1st Mar 17, 4:27 PM
    • 14,206 Posts
    • 47,670 Thanks
    savingwannabe
    I hate this tiredness and yours must be worse than mine. In heaven we can eat Maltesers and I am going to meet Steve McQueen. I don't want to pop my clogs just yet though. lol.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 2nd Mar 17, 6:08 PM
    • 3,697 Posts
    • 19,369 Thanks
    Skint yet Again
    Popped into morrisons on way home from work today for "a few things" I cant get in aldee and ended up spending 20.71


    Shopping March 76.01 / 300.


    The stuff I got in morries will last over the month though and I got some dried milk powder for drinks at work.


    I've been looking at b/band & TV deals this evening and am going to ring VM tomorrow and try to haggle down my fee. My line rental saver paid annually is due for renewal 6 April so am hoping to do a deal. I've done my research on what's on offer so fingers crossed.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Skint yet Again
    • By Skint yet Again 3rd Mar 17, 2:58 PM
    • 3,697 Posts
    • 19,369 Thanks
    Skint yet Again
    I have spent most of this afternoon on the phone to Virgin Media and have almost lost the will to live


    First phone call offered a discount of 1.50 a month.


    Online chat offered discount of 10 a month but then got cut off. Phoned them again to be told that the chat adviser offered me a deal that doesn't exist and they won't honour it. Have put in a complaint.


    Chap I spoke to said still 1.50 pm discount plus 30 one-off credit (so works out at 4 a month) so total 48 discount.


    Don't know if I would get offered anything better if I gave them 30 days notice. No better deals around for fibre broadband 50mg, tv, phone, free weekend calls, TiVo & extra HD box 32.50 line rental saver 196 total for year 586 = 48 pm
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 3rd Mar 17, 7:01 PM
    • 14,206 Posts
    • 47,670 Thanks
    savingwannabe
    I did this one time and they gave me a discount after I gave notice, when I tried it in the summer they didn't care when I gave notice. They rang me after I had signed up to Freesat and a good Sky deal and it was too late to consider them after I had been with them for 17 years. I am so grateful now to have Freesat. I only ever watch the news and ITVBe so I am lucky.

    If you give them notice you risk the chance that they may not ring you. I think they range me but I missed the calls as I was at work.

    See how you feel.

    What do other people think?
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 3rd Mar 17, 8:19 PM
    • 3,697 Posts
    • 19,369 Thanks
    Skint yet Again
    I did post on the Phones and TV board just one reply so far and they said similar to you SW that if I give notice I might not get an offer and then it might be too late to change my mind.

    I am thinking I will accept what they have offered and then see what happens when they call back about my complaint. Maybe push for a free upgrade on broadband.

    I have made arrangements to see a couple of friends next weekend I will cook some pizza & they are bringing garlic bread and pudding. I have a bottle of rhubarb and raspberry home brewed wine another friend gave me so I am going to give that a go ! I will probably be falling asleep after one glass so will get some sugar free lemonade to water it down a bit.

    I am also out to lunch on 20th with friends from a night class college course I did a couple of years ago and we will use vouchers. I am also looking forward to a day at the museum, so all in all this month is shaping up to be quite sociable. I am glad cos I am fed up of staying in and being on my own. Illness can be quite isolating and I think I have let myself become a bit of a hermit. Time to get out and about more
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 4th Mar 17, 8:26 AM
    • 14,206 Posts
    • 47,670 Thanks
    savingwannabe
    Morning it is gorgeous outside. Well done on planning for social events. When I am work I know it's impossible. It is nice to see friends though.

    Stay happy.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 4th Mar 17, 9:24 AM
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    • 19,369 Thanks
    Skint yet Again
    Morning SW. Its bright and breezy here today excellent drying weather ! I've got the first load out on the line, dishwasher is on and I've bleached the bathroom. I think at some point I am going to have to regrout the tiles round the shower as no amount of bleach can get it white again. A job for the summer when it can be thoroughly dried out.


    Windows are open letting some lovely fresh air in. Its forecast rain for tomorrow so I need to get as much washing done as possible today and dried outside.


    I'm going to finish cleaning my kitchen cupboards today & mop the floor, then I am going to tackle the oven. I did look at a voucher deal for a professional clean at 35 but decided to do it myself. I've got one of those oven pride boxes & will put the shelves in to soak overnight. I need to find the instructions for the oven and work out how to take the door apart so I can clean the glass.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Skint yet Again
    • By Skint yet Again 4th Mar 17, 7:20 PM
    • 3,697 Posts
    • 19,369 Thanks
    Skint yet Again
    As it was so nice and sunny this morning I did some gardening instead of cleaning cupboards. Chopped back some of the shrubs and pruned my roses and had a general tidy. All clippings in new green bin for collection on Tuesday so no tip run necessary
    Then it rained about 3pm so washing brought in and not far off dry. Did a couple of bits of ironing this afternoon & cooked dinner. Feeling a bit sore and stiff after the gardening so I decided to walk to the co-op for some milk (still 1 for 4 pints) and as I arrived they were reducing stuff so I got a steak pie for 10p and a meatballs & spaghetti 10p both now in the freezer.

    Oven shelves are now soaking in the bag overnight and I've put some of the liquid on the bottom of the oven so hopefully will just wipe clean tomorrow
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 4th Mar 17, 8:06 PM
    • 14,206 Posts
    • 47,670 Thanks
    savingwannabe
    What a great use of the day. It was a good morning here for gardening i am envious of you making a start. Well done on your bargain shop at Coop.

    May i ask where you got the Oven Pride thingy from? I would love to clean my oven but am too scared of what i might find in there. lol.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 5th Mar 17, 6:35 AM
    • 3,697 Posts
    • 19,369 Thanks
    Skint yet Again
    I am glad I did my gardening yesterday as it is pouring with rain here today.

    The oven pride seems to have done its job overnight on the shelves - I have swished the bag around a bit and will leave them for a few more hours. The bottom of the oven looks grim but hopefully that will wipe off later.

    SW - I bought it when they were on offer but can't remember where. I think they may have been half price in Poundstretcher.
    I think they occasionally do them in the pound shop / poundland but otherwise they seem to be cheapest in Wilkinsons 3 and Tesco have them on offer at 3 at the moment according to mysupermarket. I have used it before and it is good stuff. There is a small pair of blue rubber gloves in the box with the solution and a big heavy duty resealable plastic bag to put the shelves in. I tend to wear a pair of proper rubber gloves to cover my arms as the stuff can splash about a bit when you rinse it off.

    Other than clean my oven I have no plans for the rest of the day. Don't want to overdo it and hurt my back again like last weekend so will probably have an afternoon relaxing.

    DS is working so will be gone 12-12 today. I got a few DVD's for xmas so I think I will have a movie afternoon. I am going to have the posh higgidy pie I got for 10p last night for dinner with a jacket potato & peas - they are usually 3

    Should be a NSD
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • bobobski
    • By bobobski 5th Mar 17, 8:00 AM
    • 736 Posts
    • 1,793 Thanks
    bobobski
    Good for you SYA, it sounds like you had a very productive day yesterday and got lots of exercise in to boot so you deserve a day of rest! Those bargains in Co-op sound too good to be true - I never find anything decent in the yellow label areas in Tesco so maybe I should start going to Co-op in the evening instead?

    Cleaning ovens is a pig but well done for doing it on your own. I'm interested in the bag thing that you used - I just use a spray that you leave on to soak and then wipe down, but it foams up so much you spend the rest of the afternoon trying to wipe it off!

    I'm going to be doing a thorough clean of my house today - pulling furniture back from the walls and everything - as you two have really got me in the mood for cleaning. Future guests in my house thank you

    I hope you enjoy your day of rest - what films have you got lined up?
    Save 12k: 2019 #31 (117.91/4,500; 2.62%) | 2018 #8 (6,826.66; house bought) | 2017 #18 (12,078.82) | 2016 #86 (8,476.09)
    Personal savings: 740.16 | Joint emergency fund: 2,250.00 | New pet fund: 30.00 | Mortgage overpayments: 40.97
    • Skint yet Again
    • By Skint yet Again 5th Mar 17, 9:27 AM
    • 3,697 Posts
    • 19,369 Thanks
    Skint yet Again
    I have just had a big cooked breakfast/brunch bacon egg hash browns & beans I am stuffed. Should keep me going till tea time


    I have a Nicholas Cage film - Pay the Ghost. I find his films are a bit "hit and miss" and a Gerard Butler film - anything with him in is a drool fest !
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 5th Mar 17, 9:32 AM
    • 14,206 Posts
    • 47,670 Thanks
    savingwannabe
    Oooh I like Gerard Butler too! It has gone all grey outside. Yikes. There is nothing on the telly here. I will have to do housework to keep me busy. That's it my life is pants.

    I might put some nice music on to cheer me up.
    Christmas Fund 248 No spend month?
    • bobobski
    • By bobobski 5th Mar 17, 2:20 PM
    • 736 Posts
    • 1,793 Thanks
    bobobski
    Ahh I love a bit of Nic Cage! Con Air is one of my absolute faves, just so long as you don't take it too seriously! I've not heard of that film but I hope you enjoy it I completely agree about Gerard Butler, that accent combined with that bod.... mmm!
    Save 12k: 2019 #31 (117.91/4,500; 2.62%) | 2018 #8 (6,826.66; house bought) | 2017 #18 (12,078.82) | 2016 #86 (8,476.09)
    Personal savings: 740.16 | Joint emergency fund: 2,250.00 | New pet fund: 30.00 | Mortgage overpayments: 40.97
    • Skint yet Again
    • By Skint yet Again 5th Mar 17, 6:15 PM
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    • 19,369 Thanks
    Skint yet Again
    News on the oven cleaning... the shelves just rinsed off and are so clean they look like new with little effort. I used almost a full kitchen roll to wipe off the liquid on the bottom of the oven which was black Kitchen roll from aldee 50p & used an old kitchen dishcloth past its best for washing up but useful to wipe last of muck off.


    I used my gardening kneeling cushion to get on the floor and used an old charity bag (the plastic ones that come through the door) to put all the kitchen roll in as I went along - then it went straight in the bin. I find we get several charity bags a week and they are useful for jobs such as these now that we have to pay for carrier bags



    I managed to get DS's work stuff out on the line for an hour between heavy showers and then it took me about an hour and a half to complete the oven. I cant get to doors off to clean will need two people so will wait for poor old DP's to come down before attempting that !

    I sat down for a rest about 3pm and woke up about 6pm I was awake early again this morning so obviously needed more sleep ! I wish I could sleep in later at the weekends but my inner alarm clock always goes off at 5am.

    So Gerard hasn't saved London and Nic hasn't paid the ghost yet. Will have something to eat and maybe watch something after that.
    Last edited by Skint yet Again; 05-03-2017 at 6:18 PM.
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
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