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  • FIRST POST
    • RosaBernicia
    • By RosaBernicia 18th Jan 13, 11:19 PM
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    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 4.8% ...
    Campervan loan progress 6%

Page 92
    • doingitanyway
    • By doingitanyway 19th Apr 18, 8:26 PM
    • 3,545 Posts
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    doingitanyway
    Sorry you have had such a frustrating day.
    Like you say this would have been worse when you had debt.
    Fingers crossed for the parking ticket not materialising
    Emergency fund 1060/1000
    NSD November 7/30
    • RosaBernicia
    • By RosaBernicia 19th Apr 18, 9:40 PM
    • 3,597 Posts
    • 9,956 Thanks
    RosaBernicia
    Sorry you have had such a frustrating day.
    Like you say this would have been worse when you had debt.
    Fingers crossed for the parking ticket not materialising
    Originally posted by doingitanyway
    Thanks DIA and Beanie

    I paid the ticket online as soon as I realised but it was this afternoon, so it will depend how they work the number checking. I normally pay at the station as I collect my ticket but the machine spat my card out three times and one of the station staff printed it for me, so I rushed off for the train meaning to sort the parking as soon as I sat down and forgot.

    Things are going OK otherwise, I've been re-reading the FlyLady book to motivate myself and realising that actually things are doing OK. Robovac hoovered downstairs for me the other day and I've just brought it up to do upstairs, I managed to put some things in the loft last night (only the shove-through-hatch-and-leave method, but still better than them being on the spare bed) and I am about to set the bedding to wash on night rate so that hopefully I can set it to dry tomorrow before I leave for work. There are a dozen boxes remaining to be sorted in the spare room, but most of the rest of the stuff that needs doing is house improvements. I had already started my summer clothes switchover and finally got my legs out today so that will happen gradually - I am being ruthless about chucking things I no longer love in the charity box so will need to do some shopping, but there's enough there to manage for now.

    I am getting fidgety... change afoot and not quite a plan in place yet... all sorts of things could happen


    Rosa xx
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • kerri gt
    • By kerri gt 19th Apr 18, 9:43 PM
    • 7,564 Posts
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    kerri gt
    I think that if car parks offer a pay online service there's something like 24hrs you can pay. Don't hold me to that but I'm sure I did something similar for my mum once when she managed to leave a pay on exit car park forgetting to pay and to my knowledge she had no ticket.

    Fingers crossed for you xx
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • RosaBernicia
    • By RosaBernicia 19th Apr 18, 9:57 PM
    • 3,597 Posts
    • 9,956 Thanks
    RosaBernicia
    I think that if car parks offer a pay online service there's something like 24hrs you can pay. Don't hold me to that but I'm sure I did something similar for my mum once when she managed to leave a pay on exit car park forgetting to pay and to my knowledge she had no ticket.

    Fingers crossed for you xx
    Originally posted by kerri gt
    Thanks Kerri

    I checked the notice and technically I am finable but it will probably depend whether they've set their plate checking system to just 'paid up at time of exit' or a more complicated algorithm about 'paid at time of exit but not within ten minutes of arrival'. Fingers crossed, anyway.
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • RosaBernicia
    • By RosaBernicia 22nd Apr 18, 7:51 PM
    • 3,597 Posts
    • 9,956 Thanks
    RosaBernicia
    Shuffles and summer plans
    I'm having a lovely weekend

    Saw a relative and a friend I haven't caught up with ages, and went camper van window shopping. Nothing spot on there but I think I've seen another one to go visit this week or on the weekend. Summer plans not fully defined yet but getting there. A bit of gardening has been achieved today and I think I've got some ideas on what next.

    wise, made some progress with untangling the mad electricity tariff, but am so annoyed at the original supplier and their unhelpfulness as well as the ridiculousness of the tariff, I am very reluctant to go with them. Have asked electrician about getting a timer fitted for the hot water, as that would be helpful regardless of supplier, and think I will otherwise leave the issue alone for the summer as the storage heaters are off anyway. I can revisit it the situation in the autumn when the new generation smart meters should also be a possibility. Still no word from HMRC.

    Budget is all on track, and because I've been out and about I've spent less on some categories than expected, so currently have a little left over. Still can't find where I went wrong on the CC and CBA to track it down so have just made an adjustment transaction. Everything else matches up.

    Plodding still...


    Rosa xx
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • beanielou
    • By beanielou 22nd Apr 18, 7:56 PM
    • 58,080 Posts
    • 239,235 Thanks
    beanielou
    Plodding is always good
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • RosaBernicia
    • By RosaBernicia 29th Apr 18, 6:01 PM
    • 3,597 Posts
    • 9,956 Thanks
    RosaBernicia
    Shuffle done quickly today as I did most of it on payday. Everything on track and I have more money left over than I thought, as I returned some clothes purchases and haven't eaten out much. Still don't know how I got off track with the CC as had to adjust my adjustment by -1 to match up

    Emailed electrician about a timer for the water heater and will try to ring the original meter supplier this week, in the hope I get more sense out of someone on the phone. If it is only one standing charge with them then it is probably going to work out cheaper and I can still change the meter if I want in the autumn. House is otherwise progressing veeerrrry slowly, I have managed to put two things in the loft and will try to put some more summer things through the wash today or tomorrow, so that the winter things can be shifted off the spare bed. Weather has been rubbish so not much opportunity to do anything with the garden, though I will try and look at lawnmowers this week in the hope of getting one for when the sun does turn up!

    Not much in other news - I have a job application to finish up tonight which just needs me to actually rephrase things on the CV, I drafted most of it yesterday. I am still way behind with my extra contract as I have basically lost interest in it. I should really give it up, especially as the extra money just isn't worth it any more, but we have lost two other people so it would be really bad timing to go now. Must try and think of something I can spend the extra on guilt free that would be worth it!


    Rosa xx
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • doingitanyway
    • By doingitanyway 30th Apr 18, 4:33 PM
    • 3,545 Posts
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    doingitanyway
    Good luck with the job application.

    Like you I want the weather to get drier so I can do some gardening...
    Emergency fund 1060/1000
    NSD November 7/30
    • RosaBernicia
    • By RosaBernicia 6th May 18, 8:20 PM
    • 3,597 Posts
    • 9,956 Thanks
    RosaBernicia
    Sunday came round quickly

    Budget is ok, bought lawn things and have managed to make a start on it today so now it looks scalped and messy rather than neglected . Hopefully it will get better gradually. First quote option for the front garden has replied so just need to find a day when I can be in.

    Also making slow progress with sorting the summer clothes swopover... just ironing and a bit of mending to do before the winter stuff can be put away.

    So more plodding really... all good here


    Rosa xx
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • RosaBernicia
    • By RosaBernicia 7th May 18, 11:13 PM
    • 3,597 Posts
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    RosaBernicia
    Famous last words and all that... she said, chucking an entire freezer's worth of food into the bin. A terrible waste but probably not worth claiming on the house insurance. Plus an interesting point in that either I need to be more organised how I put things in there, or I don't eat as much bacon as I think I do - can't really need four packs!

    No idea if I left it open or it has failed with the hot weather, but it is damaged anyway (by previous occupants) so have ordered a replacement. Not that I was planning that spend but am very glad that at least now it can just be done without drama.


    Rosa xx
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • doingitanyway
    • By doingitanyway 8th May 18, 1:59 PM
    • 3,545 Posts
    • 19,630 Thanks
    doingitanyway
    Sorry about the freezer. But as you say, the calm in being able to just order a new one is priceless
    Emergency fund 1060/1000
    NSD November 7/30
    • redofromstart
    • By redofromstart 8th May 18, 2:40 PM
    • 2,010 Posts
    • 12,482 Thanks
    redofromstart
    oh thats a shame on the freezer, its the waste that I hate. Here its usually because a boy goes out to the garage for an ice cream and doesn't shut it properly.
    • RosaBernicia
    • By RosaBernicia 8th May 18, 6:29 PM
    • 3,597 Posts
    • 9,956 Thanks
    RosaBernicia
    I think it has probably failed in the hot weather and restarted, as if I had left the door open there would have been a puddle and I didn't see one. It does seem to be running again now, which is perhaps just as well since the one I have ordered is not available right away and I may want ice!

    A new one can also be fitted properly which will look better so that is a bonus too. The house seems to have slightly different ideas about the sequence of things that need to be done than I was thinking!


    Rosa xx
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • beanielou
    • By beanielou 8th May 18, 6:31 PM
    • 58,080 Posts
    • 239,235 Thanks
    beanielou
    Thats houses for you!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • kerri gt
    • By kerri gt 9th May 18, 7:20 PM
    • 7,564 Posts
    • 51,984 Thanks
    kerri gt
    Thats houses for you!
    Originally posted by beanielou
    Exactly what I was about to say

    sorry to hear about the freezer Rosa, it is infuriating to lose food like that - try and think of it as an enforced stock take. x
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • RosaBernicia
    • By RosaBernicia 13th May 18, 9:00 PM
    • 3,597 Posts
    • 9,956 Thanks
    RosaBernicia
    New fridge freezer will arrive in another week and it is just as well I did order one, as the fridge doesn't look to be keeping to temperature either. Though that's a lot less worrying so will be fine in the meantime. That will have to be funded partly through this month's paycheque which isn't ideal but I have chosen to stick with adding to my pots rather than miss a month for those, and it's on a CC anyway so it's fine.

    Had a lovely weekend with friends and am just finishing up the usual bits around the house. It was lovely to realise that I could go away without anything hanging over me as I have finally got most things sorted. I think it's time to just focus on things I enjoy.

    I didn't get the job, but don't mind as am not sure it was quite what I wanted and I wasn't looking forward to the travel. As much as the extra money would be nice, I don't need it and I know just how lucky I am to be in that situation.

    It made me a little sad today to realise that both sets of my neighbours were out in one of their gardens. I'm not surprised they didn't think to invite me as I am often not here and I really needed to do some stuff having been away, but the contrast with just having come back from my friends' has made me realise again that I may need to think about the longer term. And about a campervan to start exploring where that may be


    Rosa xx
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • doingitanyway
    • By doingitanyway 13th May 18, 9:08 PM
    • 3,545 Posts
    • 19,630 Thanks
    doingitanyway
    Glad you had a nice time with friends. Living alone it can feel weird when you have been away and come back, especially seeing your neighbours sharing time together. Have a good week
    Emergency fund 1060/1000
    NSD November 7/30
    • RosaBernicia
    • By RosaBernicia 13th May 18, 11:40 PM
    • 3,597 Posts
    • 9,956 Thanks
    RosaBernicia
    Glad you had a nice time with friends. Living alone it can feel weird when you have been away and come back, especially seeing your neighbours sharing time together. Have a good week
    Originally posted by doingitanyway
    Thanks DIA

    I guess it reminded me how scattered my friends are. It's not as if I have invited them round here either - we chat in passing, but I have still not got round to having a party here as I keep meaning to get various things sorted first - and I am much happier here than in the flat, but it did remind me that I don't have my tribe on my doorstep and that it would be nice if I did. Something will work out
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • EssexHebridean
    • By EssexHebridean 15th May 18, 12:34 PM
    • 8,718 Posts
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    EssexHebridean
    That's a pain about the freezer Rosa but at least it's alerted you to the fact that you're not eating enough bacon...

    Get where you're coming from with the neighbours too - although it may be as simple as currently still being seen a bit as the "new person" perhaps, and there may be more inclusiveness as they get more used to you and the summer wears on.

    Camper van progress sounds exciting!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 1229.00/1035.63 (09/07/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • RosaBernicia
    • By RosaBernicia 15th May 18, 12:50 PM
    • 3,597 Posts
    • 9,956 Thanks
    RosaBernicia
    That's a pain about the freezer Rosa but at least it's alerted you to the fact that you're not eating enough bacon...

    Get where you're coming from with the neighbours too - although it may be as simple as currently still being seen a bit as the "new person" perhaps, and there may be more inclusiveness as they get more used to you and the summer wears on.

    Camper van progress sounds exciting!
    Originally posted by EssexHebridean
    Thanks EH

    I think it's also about realising that I haven't exactly fallen in love with this place and got really engaged with the village. I'm finding a few things I may go to in the local town, but my FB feed has more groups in an entirely different part of the world. I think you in particular may understand where I'm coming from (and hopefully going to in campervan)


    Rosa xx
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

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