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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 96
    • doingitanyway
    • By doingitanyway 14th Aug 18, 8:12 AM
    • 3,518 Posts
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    doingitanyway
    All sounding positive
    Emergency fund 1060/1000
    NSD November 5/30
    • RosaBernicia
    • By RosaBernicia 19th Aug 18, 9:22 PM
    • 3,597 Posts
    • 9,955 Thanks
    RosaBernicia
    Sunday shuffle on time today... because I was getting a bit antsy about whether I'm still on track, and because I'm procrastinating about doing other things

    Slow progress - budgeted for next month and it is a bit better than before. I'm basically over budget still by the cost of the mattress, although there's been some DIY stuff spending as well. I'm not going to stress about the DIY stuff costs as I am really pleased I've been brave enough to try it, and of course it is so much cheaper than getting someone else in, and I'm also really loving the changes. That should calm down after the next month or so. Van costs depend on the final garage bill but the estimate is already covered in YNAB.

    So just going to try and keep mad spends to a minimum and keep plodding back towards even keel


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

    • doingitanyway
    • By doingitanyway 20th Aug 18, 12:48 PM
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    doingitanyway

    So just going to try and keep mad spends to a minimum and keep plodding back towards even keel
    Originally posted by RosaBernicia
    and that is the summary for my September too
    Emergency fund 1060/1000
    NSD November 5/30
    • RosaBernicia
    • By RosaBernicia 26th Aug 18, 10:31 PM
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    RosaBernicia
    I'm checking in to keep myself on track, because it's needed... all is good but I am still running about a month's disposable income ahead of myself, and will have no chance to pay it off in either September or October as I will be going away both months. The money is there in the buffer fund, so I'm just borrowing from myself, but I'm aware I'm not quite as sorted as I'd like to be. I am hoping to get myself back on an even keel by November/ December, and also to have the house in better shape by then so that I can buy the furniture I want in December/ January. That's about the last thing I need for the house, so I can then hopefully get the garden sorted this spring.

    I've spent a mad amount of money this month on fitness stuff, so that at least won't be repeated, and have also been buying stuff for DIY which similarly won't need to be bought again. I do have some work related stuff which will need to be paid for but it's not clear when.

    I'm feeling much clearer about things now... things that were ideas are now beginning to turn into actual plans. That's the good news... the bad news is that now things start to cost money! So I am trying to keep myself on track and to avoid silly spending that is poor value in joy/ money terms. I've just finally rounded up all my receipts and filed them which has enabled me to dig out about 25 of stuff to return, and I've signed up for a Shopn5can thing which seems to pay quite hefty points per month. I have a stack of things for 3bay which I should get on to but need to shift other things out of that room first.

    So hopefully I can use all that I've learned from having to scrimp on everything, to scrimp on the things that should be scrimped on and spend on the things I really want


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

    • RosaBernicia
    • By RosaBernicia 2nd Sep 18, 8:13 PM
    • 3,597 Posts
    • 9,955 Thanks
    RosaBernicia
    Today's lessons...
    1. Get organised
    2. Don't wait
    3. Be flexible

    I am both proud of and cross with myself today.

    I've spent the day DIYing, which is good because it's stuff I didn't know I could do and want to learn for the future (my plans are likely to reduce my income and increase my time, so it will be much simpler if I can do as much as possible myself and only pay for pros when I need to). And I do really like the results so that will make me smile every time I use the room.

    The bad news is that the reason I'm here this weekend is I am not escaping in the camper van. A combination of stuff - cat sitter fail, car in garage with likely resulting costs, friend mixing up planned dates and just not having made very definite plans in the first place means I am not going to make it to my favourite part of the world this summer, only next month. I'm sooo fed up about it. I was so looking forward to this summer and put so much into finding the van and getting things set up but I guess I somehow forgot that summer is a short term thing and as things have got pushed back and back, it's slipped through my fingers. Not saying I haven't had a good time, but I certainly haven't made the most of it and I'm kinda wishing with hindsight that I had just left the van thing for this year and gone up in the car. So I'm just hoping that the universe had something in mind and will bring me decent weather when I do get away. I'll also hopefully have long weekends away, as I'm still taking the leave, just won't get where I'd planned as soon .

    wise, everything is still about the same and probably a bit better this month due to the cancelled trip . It doesn't feel like much consolation tbh. I guess it's all part of finding out where your joy is and making that your priority. Lesson hopefully learned...


    Rosa xx
    Last edited by RosaBernicia; 02-09-2018 at 8:13 PM. Reason: What is it with the mad double line spacing?
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • kerri gt
    • By kerri gt 2nd Sep 18, 10:03 PM
    • 7,557 Posts
    • 51,917 Thanks
    kerri gt
    Perhaps the universe is giving you the opportunity to see your fav part of the country in a new season? Don't get me wrong, I do entirely understand how frustrating these things are, we have lost summer #2 thanks to landscaping sagas, and although now more or less done, when everyone was out having BBQs during the heatwave, we (like last year) had a dusty building site.
    I'm slowly learning this would appear to be the way of things and no matter how upsetting and frustrating, spending time being cross about it doesn't get the time back already lost.

    Well done on the diy x
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • RosaBernicia
    • By RosaBernicia 3rd Sep 18, 3:22 PM
    • 3,597 Posts
    • 9,955 Thanks
    RosaBernicia
    Thanks Kerri, I hope so. I had only made those plans to begin with because the universe seemed to have dropped things in my lap so I don't know what it's up to going into reverse, hopefully as you say it will all pan out
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • RosaBernicia
    • By RosaBernicia 10th Sep 18, 8:38 PM
    • 3,597 Posts
    • 9,955 Thanks
    RosaBernicia
    Slightly belated shuffle... wise all looking about the same.

    This week I have been mostly doing decluttering, DIY and reading . The main room I was working on is almost finished and I'm SO pleased with it. I've also done a few other things that have been waiting for months and feel a whole lot better for it. I think I am almost there with decluttering - I know where all my stuff is, it's in pretty much the right places, and I'm just finalising what needs to stay and to go.

    It's a really nice feeling now that having the house fully sorted is in sight. Almost like healing it from all the little brokennesses left by the dodgy tenant . I've even got definite plans for the garden in spring


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

    • beanielou
    • By beanielou 10th Sep 18, 8:48 PM
    • 58,008 Posts
    • 238,705 Thanks
    beanielou
    So pleased to read this Rosa
    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 10th Sep 18, 9:05 PM
    • 3,597 Posts
    • 9,955 Thanks
    RosaBernicia
    Oh, and just to add some small things...
    • Signed up for ClearScore - that's the third credit ref agency so I can now check my report with all three
    • Emailed Waitro5e when I couldn't find the code for the last discounted delivery shop - got it, so saved 20
    • Called and cancelled the travel insurance that popped up on auto-renew, as won't need it for a while
    • Used another ShopNScan voucher to halve the cost of something for the newly done room
    • Read through my re-mortgage offer from the current provider, checked the best buys on the MSE tool, and called a broker to try and get something slightly better. Am reassured to find that despite the van loan, I should be eligible for the best buy options. Also, should be able to get it down past another 5% banding. So, so grateful for MSE guides as it helped me to realise that the current offer was based on the current amount and misses that 5% barrier that will be sorted by the time the current rate expires - a cost of about 40 a month.
    • Explored the back garden and realised there may be a cheaper solution to the garden works than I thought
    Last edited by RosaBernicia; 10-09-2018 at 9:09 PM.
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • RosaBernicia
    • By RosaBernicia 10th Sep 18, 9:13 PM
    • 3,597 Posts
    • 9,955 Thanks
    RosaBernicia
    So pleased to read this Rosa
    Originally posted by beanielou
    Thanks Beanie

    I was so grumpy at the beginning of the week but slowly realised that I'm getting there and although the house stuff looked like an almighty, monstrous, undoable scary thing I have got there bit by bit. It's my little haven and both of us deserve to be looked after, whether I live here forever or not.

    Rosa xx
    Last edited by RosaBernicia; 11-09-2018 at 12:55 AM.
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • beanielou
    • By beanielou 10th Sep 18, 9:22 PM
    • 58,008 Posts
    • 238,705 Thanks
    beanielou
    Thanks Beanie
    I was so grumpy at the beginning of the week but slowly realised that I'm getting there and although the house stuff looked like an almighty, monstrous, undoable scary thing I have got there bit by bit. It's my little haven and both of us deserve to be looked after, whether I live here forever or not.



    Rosa xx
    Originally posted by RosaBernicia
    You do both do deserve to be looked after
    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
    • doingitanyway
    • By doingitanyway 15th Sep 18, 7:40 PM
    • 3,518 Posts
    • 19,482 Thanks
    doingitanyway
    I have been inspired by your DIY, so much so that I have signed up for a DIY course at my local college starting in late Autumn. If all goes to plan I will have more time soon but less money so doing some of the work myself will be but also empowering. Thank you
    Emergency fund 1060/1000
    NSD November 5/30
    • RosaBernicia
    • By RosaBernicia 15th Sep 18, 8:38 PM
    • 3,597 Posts
    • 9,955 Thanks
    RosaBernicia
    I have been inspired by your DIY, so much so that I have signed up for a DIY course at my local college starting in late Autumn. If all goes to plan I will have more time soon but less money so doing some of the work myself will be but also empowering. Thank you
    Originally posted by doingitanyway
    Yay!

    It is SO empowering DIA - I had no idea where to start but I have a good eye for design and a steady hand, and between books, YouTube and friends I am astonished what I can manage. A course is a good plan, I might look at that later in the year.

    Just to give you an idea, I can now:
    • strip wallpaper (using the flat attachment on my little steam cleaner)
    • fill small holes in plaster
    • sand walls
    • paint walls
    • put up towel rail, cupboard and shelves (including checking for wires etc behind where I want to put something, drilling the holes, and finding the appropriate thing to hold stuff up - turns out it matters what is behind the plaster, which I'd never thought about before, and shouldn't always be just screws)
    • drill through tiles (needs a different kind of drill bit)
    • take down a fitted roller blind and its holders, and get it all back up in one piece and working
    • fit a new shower attachment (one of these clever things, that uses the holes already drilled for your shower riser rail)
    Two things I would recommend are the drill I got from the Swedish shop - the design makes it easier to hold steady with smaller hands. I had been picking up others in different stores and some of them were heavy and awkward for me. And this book - very useful for understanding the background on how houses are put together and so why things work in a particular way. Oh, and if certain DIY stores are unhelpful, just go to another one. All the ones in the town where I work are useless, the staff are teenagers who have no more idea about stuff than I already found out via YouTube. The best one I have found is a big Wickes nearby, whose staff actually know what they are talking about - possibly because they have trade customers, but they have an info desk and have been brilliant with everything I've asked, totally polite and helpful even when it's very basic questions about 'have I definitely picked up the right thing here'. And on the opposite note, don't always believe friends just because they tell you they know what they're doing - I have already found one instance where he was not entirely right and although the work is ok, it should really have been done a little differently to be done properly.

    After a few more weeks of painting I shall be having a go at fixing taps. I'll keep you posted


    Rosa xx
    Last edited by RosaBernicia; 15-09-2018 at 9:21 PM.
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • kerri gt
    • By kerri gt 15th Sep 18, 9:39 PM
    • 7,557 Posts
    • 51,917 Thanks
    kerri gt
    I would love to do some kind of DIY course too. I am (thank goodness) a relatively practical person and have done odd jobs during the time we've lived in rented accommodation before buying. Annoyingly we've had mire (so called in some cases) professionals here to do things because I simply haven't had the time to do it all.

    Best advise I can give though is that the key is in the prep...I would say 2/3 of a job is the prep work beforehand, and 1/3 being the stuff you actually see, but doing the prep well will give a better finish overall.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • RosaBernicia
    • By RosaBernicia 15th Sep 18, 10:14 PM
    • 3,597 Posts
    • 9,955 Thanks
    RosaBernicia
    It's doing little things in rented places that got me started too... replacing sink plugs, putting together flatpacks, etc. I was quite surprised to realise how much of a toolkit I already had


    You're quite right about the prep too - the things I have got wrong are usually from not double checking.
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • RosaBernicia
    • By RosaBernicia 23rd Sep 18, 6:58 PM
    • 3,597 Posts
    • 9,955 Thanks
    RosaBernicia
    Dashing in to report shuffle situation... it's not looking great. The minor car repairs wiped out the maintenance budget for that and it needs its MOT and hasn't been serviced yet. Plus I am supposed to be going away next month, though I am tempted to cancel at this point due to the money situation. But that would mean I didn't get time away at all this year. Still got some time to decide.

    All else just plodding


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

    • redofromstart
    • By redofromstart 23rd Sep 18, 8:35 PM
    • 2,008 Posts
    • 12,432 Thanks
    redofromstart
    Does your emergency pot cover the vehicle bits? If so, then I'd be going away.
    If in debt up the eye balls, can't afford to breathe - then I wouldn't go away.
    If putting it on the credit card to be worrying about later then I wouldn't go either, but that's just me.

    Think of the break as your service and MOT?
    • doingitanyway
    • By doingitanyway 23rd Sep 18, 9:13 PM
    • 3,518 Posts
    • 19,482 Thanks
    doingitanyway

    Think of the break as your service and MOT?
    Originally posted by redofromstart
    I agree with this Redo
    Rosa, if it is possible for you to take a break do it!
    Emergency fund 1060/1000
    NSD November 5/30
    • beanielou
    • By beanielou 23rd Sep 18, 9:16 PM
    • 58,008 Posts
    • 238,705 Thanks
    beanielou
    Another vote for getting away if you possibly can.
    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
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