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  • FIRST POST
    • RosaBernicia
    • By RosaBernicia 18th Jan 13, 11:19 PM
    • 3,498Posts
    • 9,360Thanks
    RosaBernicia
    Balancing not just the budget
    • #1
    • 18th Jan 13, 11:19 PM
    Balancing not just the budget 18th Jan 13 at 11:19 PM
    Well it's been more than a few months and I seem to still have more than a few questions, so I think it's time for a new thread

    (The old one is here http://forums.moneysavingexpert.com/showthread.php?t=3629199)
    Last edited by RosaBernicia; 18-01-2013 at 11:32 PM.
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

Page 87
    • MuffinTops
    • By MuffinTops 12th Feb 18, 8:20 AM
    • 2,119 Posts
    • 6,416 Thanks
    MuffinTops
    Hello Rosa,

    I haven't managed to catch up too much on diaries, but enough to be able to wish you success in your interview.

    Lots of little niggles going on with useless companies for you too! It's always us, the buyer, that has to deal with all the hassle. If it were the other way around you'd get a debt collection letter through the door!

    Take care and sending you lucky vibes.

    MTxx
    STARTING 2017:
    Credit Card Debt: 2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • RosaBernicia
    • By RosaBernicia 12th Feb 18, 3:50 PM
    • 3,498 Posts
    • 9,360 Thanks
    RosaBernicia
    Hello Rosa,

    I haven't managed to catch up too much on diaries, but enough to be able to wish you success in your interview.

    Lots of little niggles going on with useless companies for you too! It's always us, the buyer, that has to deal with all the hassle. If it were the other way around you'd get a debt collection letter through the door!

    Take care and sending you lucky vibes.

    MTxx
    Originally posted by MuffinTops

    Thanks MT - much appreciated. It's a bit odd, I think I'm better prepared for this than almost any external interview before and still the nerves are setting in!

    Re bills, actually it appears NP0w3r really just haven't got round to billing me for 300. Which if I believed they'd forget about it entirely would be good, but I don't, so I'm glad I have chased it and avoided any potential nasty surprises or issues with my credit record. I'm very impressed with Bulb who have done the chasing for me and immediately apologised for missing the referral bonus off my account.

    Hope you will get a minute to catch up and also tell us what you're up to soon


    Rosa xx
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

    • RosaBernicia
    • By RosaBernicia 18th Feb 18, 10:08 PM
    • 3,498 Posts
    • 9,360 Thanks
    RosaBernicia
    Quick Sunday shuffle... all looking OK. Still waiting on amounts to be paid for NP0w3r bill and tax, but money is put aside and waiting. Spending is pretty much on track and payday seems to have crept up on me. As I'm cheating YNAB by having already entered and budgeted my paycheque, so that I can work out money for through March, my Age of Money won't be accurate but I'll try and remember to report that on payday.

    I thought interview went OK at the time, but of course have now thought of all the things I said that might have been silly... however, it's over now so onto the next thing I will hopefully have some time this weekend to think about my next set of goals.

    So still plodding upwards


    Rosa xx
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

    • beanielou
    • By beanielou 18th Feb 18, 10:22 PM
    • 55,063 Posts
    • 220,011 Thanks
    beanielou
    Glad that you are plodding
    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.
    • MuffinTops
    • By MuffinTops 19th Feb 18, 12:45 PM
    • 2,119 Posts
    • 6,416 Thanks
    MuffinTops
    Hello Rosa,

    I think we all do that with time, in looking back and feeling we did something wrong, but the initial thoughts are generally the right ones, as you have body language and other "in person" things to go on. I'd be surprised if you did come across as silly. You'd have seen in their faces they were taken back a bit if they'd thought that too.

    Do you know when you can expect to hear from them?

    MTx
    STARTING 2017:
    Credit Card Debt: 2,650.00!!!
    ======================
    Saving For a New Property
    Pot of Gold = All gone to the above
    • RosaBernicia
    • By RosaBernicia 20th Feb 18, 12:27 AM
    • 3,498 Posts
    • 9,360 Thanks
    RosaBernicia
    Hello Rosa,

    I think we all do that with time, in looking back and feeling we did something wrong, but the initial thoughts are generally the right ones, as you have body language and other "in person" things to go on. I'd be surprised if you did come across as silly. You'd have seen in their faces they were taken back a bit if they'd thought that too.

    Do you know when you can expect to hear from them?

    MTx
    Originally posted by MuffinTops
    Thanks MT

    I think I should know in about another week and a half.

    You're right about the body language thing, and I think that was very positive in some areas - just hope it was also a pass in others. However, I'm feeling oddly determined now it's over, whatever happens - I think it is time for some changes. Even though I'm not sure what they will be yet


    Rosa xx
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

    • RosaBernicia
    • By RosaBernicia 23rd Feb 18, 7:44 PM
    • 3,498 Posts
    • 9,360 Thanks
    RosaBernicia
    Payday has been and as pretty much everything is on direct debit these days - no need to worry about forgetting something and going over my overdraft any more *moment of deep gratitude* - the only shuffling that needs to be done is for the credit cards.

    Paid off the statement balance from the old one and will zero it completely next month. Set up payment to clear statement balance from the new one what is earning me vouchers ... this is working quite nicely as I now use the current account for anything contactless (because this earns me cash rewards every month) and the new CC for anything that is over the 30 contactless limit (also good, because it earns me points and means money stays in my account longer).

    Feeling a bit reflective on the whole thing... I stopped in Wa1tro5e on the way home, and as I made my way around picking up YS meat to freeze, using my loyalty vouchers and paying with the CC to earn points, I got a message from a friend of mine saying could I call later than arranged because their takeaway was due to arrive. This is the same friend who is three months behind on the mortgage, works from home half the time, and whose partner is not working and at home all week. And they can both cook. Just clearly not as bothered about the mortgage thing as I am


    Rosa xx
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

    • beanielou
    • By beanielou 23rd Feb 18, 7:47 PM
    • 55,063 Posts
    • 220,011 Thanks
    beanielou
    If I was three months behind on my mortgage I would be crying,not having a takaway
    We are all different I suppose.
    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.
    • kerri gt
    • By kerri gt 23rd Feb 18, 8:01 PM
    • 7,119 Posts
    • 49,611 Thanks
    kerri gt

    I got a message from a friend of mine saying could I call later than arranged because their takeaway was due to arrive. This is the same friend who is three months behind on the mortgage, works from home half the time, and whose partner is not working and at home all week. And they can both cook. Just clearly not as bothered about the mortgage thing as I am


    Rosa xx
    Originally posted by RosaBernicia
    Wow! If I was behind like that I wouldn't be able to eat due to the worry, nevermind takeaway.

    I must say though that wfh isn't all it's cracked up to be for anyone who doesn't. I wfh full time and rarely get to eat my lunch away from my desk, am checking email if i need to pop out for anything at lunchtime and usually online well into the night too. The only time I truly get a break is if I go for a run, make a cuppa or throw a pile of washing in. On the odd occasion I might have time to throw a quick chilli together, and usually start dinner (again something that can be launched in the oven and doesn't need minding) for OH coming in but I don't have time to be cooking in the day. No excuse for your friend OH though if he doesn't cook at all.

    Sorry....*puts soap box away and slinks off stage left* x
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • RosaBernicia
    • By RosaBernicia 23rd Feb 18, 8:20 PM
    • 3,498 Posts
    • 9,360 Thanks
    RosaBernicia
    Well this is the thing... I would be terrified too, and they have kids - not at home at present, but still might need a roof over their head at some point, which would worry me more. And it wasn't said as in 'we're behind but it's OK because I have a plan', it was just mentioned in passing. I realise wfh doesn't allow time to do full on cooking, but it does at least mean I can put the washing in or fling something in the oven on the days I am here.

    I haven't said anything, either about that or when watching said friend cheerfully fling things in the basket round the supermarket - and friend is well aware of my past, so there's no need to be changing things in front of me. Or when watching them use antibacterial wipes for cleaning things that could equally well be done with a cotton cloth, that doesn't come in plastic, goes straight in the washbasket to be reused and doesn't take ages to biodegrade. Trying to stay off my soapbox! But I guess I am now truly 'd through and through *stands straighter, thumps fist to heart* - and actually, I'm very grateful for it. I know that I can manage if my situation changes, and I can do more to make sure nasty surprises are avoided. Going to carry on sticking around here though - so I can do as DIA said earlier - it doesn't matter about money from elsewhere if I have the means to say yes to myself


    Rosa xx
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

    • RosaBernicia
    • By RosaBernicia 23rd Feb 18, 8:21 PM
    • 3,498 Posts
    • 9,360 Thanks
    RosaBernicia
    Wow! If I was behind like that I wouldn't be able to eat due to the worry, nevermind takeaway.

    I must say though that wfh isn't all it's cracked up to be for anyone who doesn't. I wfh full time and rarely get to eat my lunch away from my desk, am checking email if i need to pop out for anything at lunchtime and usually online well into the night too. The only time I truly get a break is if I go for a run, make a cuppa or throw a pile of washing in. On the odd occasion I might have time to throw a quick chilli together, and usually start dinner (again something that can be launched in the oven and doesn't need minding) for OH coming in but I don't have time to be cooking in the day. No excuse for your friend OH though if he doesn't cook at all.

    Sorry....*puts soap box away and slinks off stage left* x
    Originally posted by kerri gt

    No need for apologies Kerri, I am only just managing to stay off my own soapbox!
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

    • doingitanyway
    • By doingitanyway 24th Feb 18, 6:16 PM
    • 3,062 Posts
    • 15,899 Thanks
    doingitanyway
    Hi Rosa

    For me WFH enables me to do so much more than office days. Even if I just use the travel time I would have used to prep a soup I can stir during the day. The downside and upside is I use my lunch hour to do chores to catch up too.

    It is true you have to set boundaries for yourself but WFH days for me are a huge advantage in the battle to get organised

    Reading about your friend I am so grateful to MSE (and you lot) for all that I now know
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 25th Feb 18, 9:13 PM
    • 3,498 Posts
    • 9,360 Thanks
    RosaBernicia
    No shuffling needed since payday - though I have sent a test payment to the new CC, just to check it is working before the main payment goes across. Really pleased to have everything working online - and I notice another bank has now cut down their phone access hours, looks like they are all assuming we can do most things online now.

    Today has been a 'phew, chill' day - did all the things I had got behind on in town yesterday, so am now stocked up, and today have just been reading and went for a long walk (which has done my back some good and helped clear my head). I do have things that need doing around the house, but they can happen gradually.


    Rosa xx
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

    • moneyonmymindsam
    • By moneyonmymindsam 25th Feb 18, 9:52 PM
    • 1,407 Posts
    • 4,291 Thanks
    moneyonmymindsam
    Glad to hear you had good day. :-)

    Sam x
    Emergency Fund Challenge
    • RosaBernicia
    • By RosaBernicia 26th Feb 18, 7:48 PM
    • 3,498 Posts
    • 9,360 Thanks
    RosaBernicia
    Well I didn't get the job so that was an awful lot of effort for no result. However, it does mean I don't have to move house and everything can be steady for at least another year, plus there are other potential ways to move towards that promotion, so I am trying not to fume too badly.

    I already decided that my next set of goals are about me and the house. This should be fine - I have already booked people to do a couple of things that need sorting in the house and if I am not moving away, feel a bit more motivated to pick up exercise clubs here.

    I think I may also finally get back to the coach I spoke to ages ago and see if she can help me untangle further plans.

    wise, having sorted out the mess with my electricity switch I am over 200 in credit with the new supplier. They have agreed to pause the direct debit for three months to use up most of that, which is fab as that's money back in the budget. Also impressed with their customer service - it's Bu7b, in case anyone is considering them.

    Onwards... (while turning to thumb my nose at people who didn't employ me)


    Rosa xx
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

    • beanielou
    • By beanielou 26th Feb 18, 8:11 PM
    • 55,063 Posts
    • 220,011 Thanks
    beanielou
    Boo to the job.
    Their loss.
    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.
    • redofromstart
    • By redofromstart 26th Feb 18, 8:18 PM
    • 1,765 Posts
    • 10,783 Thanks
    redofromstart
    Sorry to hear that.
    • RosaBernicia
    • By RosaBernicia 26th Feb 18, 8:29 PM
    • 3,498 Posts
    • 9,360 Thanks
    RosaBernicia
    Thanks Beanie and Redo - the upside of this is realising that I really am OK where I am, since I can afford the house and to save. So I don't really have any reason to be moaning - should just get on and relax really!
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

    • doingitanyway
    • By doingitanyway 26th Feb 18, 8:43 PM
    • 3,062 Posts
    • 15,899 Thanks
    doingitanyway
    Sorry to hear about the job. It takes so much time and energy to apply so it is disappointing. On the other hand it looks like you can take advantage of the situation you are already in.

    You are allowed to moan.

    Have a good evening
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 1st Mar 18, 7:36 PM
    • 3,498 Posts
    • 9,360 Thanks
    RosaBernicia
    Sorry to hear about the job. It takes so much time and energy to apply so it is disappointing. On the other hand it looks like you can take advantage of the situation you are already in.

    You are allowed to moan.

    Have a good evening
    Originally posted by doingitanyway
    Thanks DIA

    I am annoyed at them but pleasantly surprised to find that I'm also quite OK as I am for now. Not moving gives me time to organise myself properly and get some other things I want to do underway, so silver something-much-bigger-than lining


    Rosa xx
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

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