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  • FIRST POST
    • mfmaybe
    • By mfmaybe 22nd Jan 14, 8:38 PM
    • 1,141Posts
    • 3,694Thanks
    mfmaybe
    Paying the car tax via EBay, and other shenanigans.
    • #1
    • 22nd Jan 14, 8:38 PM
    Paying the car tax via EBay, and other shenanigans. 22nd Jan 14 at 8:38 PM
    So the title will become obvious later, but I figured I need a diary. It's my first. It is mainly to keep me focused but maybe someone will read it too. Here's hoping!

    Stealing from another diary, I have decided my debts need paid off by my 40th, which is in 7ish months! It might not be completely achievable but I'm certainly going to try.

    First about me. I have a lovely husband, we live in the country with a few cats and a couple of horses. These latter fluffy things are of course the reason for permanent poverty. We certainly don't have a cheap lifestyle, the mortgage is big, we take nice holidays and have nice cars. We can manage it all quite comfortably (both of us have well paid jobs) but I'm not very disciplined about money and have let it get a bit of a bother. That said I'm not a compulsive shopper either, don't buy loads of clothes, don't smoke, Don't go out much etc. My husband isn't in debt and has some savings but neither of us are as comfortable as we should be. On the down side, we've spent a lot of money on IVF in the last year, will be doing so again this year, and our house (old and cold) really needs a few things done. We also got married just over a year ago which cleared out all my savings and that plus the IVF tipped me over the edge. So financial discipline is certainly needed.

    The debts:
    OD 4100
    Family member 5k
    Credit card 1600 on 0%

    All of the above are my debts, so not my husbands responsibility.

    We have assets. My car would cover most of my unsecured debt. I have 3k in an ISA. We have some joint savings. I own a rental flat with a very good LTV. My sister is in no rush for her repayment. So there is no panic stations. But no excuses either. So 7 months it is....

    Wish me luck
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
Page 37
    • mfmaybe
    • By mfmaybe 20th Mar 18, 8:19 AM
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    • 3,694 Thanks
    mfmaybe
    Up reasonably early with DS already away to nursery with DH. So I'm having a cup of tea and making a list. Tempted to go back to bed but that's rather indulgent!

    First, money stuff. Current Amex (my share) is 490 but I'm due a 16 refund. So a little worse than I'd hoped. Will be adding a night in a hotel for Thursday plus a meal somewhere and I am going to need more fuel. Wail. The bill cuts off on Saturday so will try not to spend anything else on it. I've had a look at what's on it, and the food shopping is pretty high. My DH in his wisdom has been ordering wine from Naked Wines. They are lovely and we've been spoiling ourselves to mark the end of treatment, but have now put a kibosh on midweek drinking.

    I have set myself targets for various pots. Though in reality are they targets? In many cases I would never reach them (eg the road tax) because I save monthly and then pay out as and when needed. But the idea is that if I got say the emergency vet fund up to a certain balance I'd stop allocating money to that pot and put it in to normal savings instead. It's just a way of dicing up a savings account, not any difference in what I spend or save. But here they are for hilarious posterity

    1. Lorry costs. 1200.
    2. Field maintenance 600
    3. Horse Holiday. 500. (For paying for someone to look after them if we ever go away).
    4. Holidays 1000.
    5. Presents 600.
    6. Standard Vet 300.
    7. Car repairs 500.
    8. Horse Yard items 300.
    9. Clothes 100.
    10. Flat repairs 500.
    11. Car insurance. 240
    12. Emergency vet 2000.
    13.Parties 200.
    14. Kids equipment 150.
    15. Haircut 75
    16. Flat Gas. 150
    17. Dentist. 100
    18. Car recovery. 80
    19. Flat Legal bill 120.
    20. Road tax. 900.

    Anyway on to the list for today
    Washing on
    Pack for Thursday
    Go to post office on way to horse.
    Horses
    Shower and make up (a new pact to wear some every day!)
    Check DH scanned forms, and email.
    Phone vet and maybe collect medication for cat. Drop off other insurance form if so.
    Arrange Lorry MOT
    Arrange car MOT
    Call groundworks contractors
    Continue to plan for Friday (homebuilding show)
    Go through old show catalogues and pick out contractors to phone.

    OK so I better get on with some of it.....
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • mfmaybe
    • By mfmaybe 20th Mar 18, 6:52 PM
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    • 3,694 Thanks
    mfmaybe
    Washing on All done. Even got it out on the line!
    Pack for Thursday STARTED. This is tricky as I still need most of the stuff I'm taking.
    Go to post office on way to horse. DONE
    Horses DONE
    Shower and make up (a new pact to wear some every day!) DONE. I look gorgeous
    Check DH scanned forms, and email. DONE
    Phone vet and maybe collect medication for cat. Drop off other insurance form if so. Made the call, to collect tomorrow.
    Arrange Lorry MOT.
    Arrange car MOT. Not due till 5th April.
    Call groundworks contractors
    Continue to plan for Friday (homebuilding show) DONE but ongoing.
    Go through old show catalogues and pick out contractors to phone. DONE but ongoing
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • mfmaybe
    • By mfmaybe 21st Mar 18, 7:28 AM
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    • 3,694 Thanks
    mfmaybe
    A quick list to get me started. DH now away (I'm meeting him down south tomorrow evening) so I'm on solo parenting and packing.

    Fuel in car
    Horses
    Do Lorry stuff (fuel)
    Shower. Make up on
    Check I can remember how to remove car seat.
    Carry on packing what I can for me and DS.
    Look at hotel booking and see if I need to confirm
    Collect cat medication.
    Nursery AM and PM.
    Check in for flight.

    I must be tired this morning as I just ended up microwaving my cereal instead of DS' porridge. Ugh. It's truly disgusting
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • mfmaybe
    • By mfmaybe 27th Mar 18, 2:28 PM
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    mfmaybe
    Posting with a very heavy heart. We sadly lost cat number 2 (as beloved and important as the one we lost in August). And worse, it was pretty sudden and not entirely pleasant. The saving grace is that I was here when the distress happened and I was able to get him straight to the vet and out of pain. But we are bereft again. Life is just full of hits at the moment.

    Money wise I guess my bank account looks ok although there was the bill at the vets last week which is now on my credit card. But day to day spends are remaining under control.

    Will be back at some point when I feel a little more cheery.
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • enthusiasticsaver
    • By enthusiasticsaver 27th Mar 18, 3:32 PM
    • 7,066 Posts
    • 15,309 Thanks
    enthusiasticsaver
    Sorry about the cat

    Good that your health issue appears to be ok for now and build project going ahead.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • mfmaybe
    • By mfmaybe 2nd Apr 18, 10:24 PM
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    • 3,694 Thanks
    mfmaybe
    Sorry about the cat

    Good that your health issue appears to be ok for now and build project going ahead.
    Originally posted by enthusiasticsaver
    Thank you . There is a lot to be grateful for, I know; but I just wish maybe the top 10% of things in my life would be going ok, rather than just the top 3-5%. Still feel very sad indeed.

    But money stuff. Well firstly I nearly had a heart attack when I checked the Amex today. It was absolutely huge. Some of it has turned out to be DH's work expenses but there is also a 675 charge for a piece of furniture. DH has bought it. I don't know which room in our new house it's for, when it arrives, what it looks like - even what it is. All I know is it was expensive . Also bear in mind the planning isn't even approved yet so also not sure where it is going in the meantime. Sigh.

    In better MSE news we went to look at a replacement car for me today but maybe fortunately it was sold. And for now I've decided to hang on to the one I have.

    In less good money news, there is a separate vehicle issue that may or may not get resolved at reasonable cost. And I've started a single income budget for when I am no longer working. I am almost certainly getting VR and, combined with the critical illness payout and other savings, we are hoping to have little to no mortgage on our new house. So this allows me to take some time off work before DS starts school. Being mortgage free this is achievable; the really scary part is in the interim where we will still have to pay rent. We can probably hold it together for a few months but not much longer. However lots of the budget goes on the many many savings pots I have, so part of the strategy will have to be top them up as much as possible now and then leave them idle while we are paying rent. There are also lots of "generous" lines on the budget that could be cut. The difficulty is DH will be travelling a lot more for work and it's not clear how much will be at his cost.

    Anyway I've started it; it's given me food for thought.
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • mfmaybe
    • By mfmaybe 2nd Apr 18, 10:40 PM
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    • 3,694 Thanks
    mfmaybe
    First, money stuff. Current Amex (my share) is 490 but I'm due a 16 refund. So a little worse than I'd hoped. Will be adding a night in a hotel for Thursday plus a meal somewhere and I am going to need more fuel. Wail. The bill cuts off on Saturday so will try not to spend anything else on it.
    Originally posted by mfmaybe
    OK so it finally cut off at 540, which was another fuel fill. The hotel is on the current month. So that's already at 340 (my share) as I put fuel in the truck too. (Although the hotel bill can come out of my holiday fund). But between food shopping and fuel I expect that to be much the same as last month.
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • mfmaybe
    • By mfmaybe 3rd Apr 18, 12:50 PM
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    • 3,694 Thanks
    mfmaybe
    Slept very badly last night, worrying about money, worrying about all the logistics of the vehicle problems I have to sort, worrying about going back to work, worrying about pets, worrying about why my DS starts every day saying he doesn't want to go to nursery. And the weather is back to atrocious so that doesn't help.

    But can't mope about. I need a list

    Make cereal bars
    Make something with the soft bananas
    Chase up doctor
    Call breakdown company about non service
    Follow up with timber frame companies
    Groundworks contractors

    I've been having a look at my savings pots to see where I should be prioritising. I think the vehicle repairs, car insurance, some costs for the flat, and the road tax. I also don't have much in the presents fund yet, and given Christmas will be at a time when we will have spent huge amounts on the house and be feeling very cash poor, I should get that one topped up too.
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • brizzlegirl
    • By brizzlegirl 4th Apr 18, 9:20 AM
    • 351 Posts
    • 2,253 Thanks
    brizzlegirl
    Just catching up MFM...bit of a rollercoaster this last few weeks now then. So sorry youve all this stress too. I am sure the Finances will work themselves out. You and your spreadsheets are usually in control of things...but OH spending on furniture?? Without talking to you...I think he needs a LBM :/ I know this will have been hugely stressful time for him too, but spending on random stuff (even though I am sure its very nice) wont make the MFM household a better place.

    Really pleased VR and CI policy payout will give you breathing space.

    Keep posting lovely and glad youre old enough to know Yazz
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal 88/750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • brizzlegirl
    • By brizzlegirl 4th Apr 18, 9:22 AM
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    brizzlegirl
    PS I vote for banana bread. Especially if you have a bread maker.

    Kids do that sometimes ..but worth talking too his named carer at nursery?
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal 88/750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • mfmaybe
    • By mfmaybe 4th Apr 18, 1:04 PM
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    mfmaybe
    PS I vote for banana bread. Especially if you have a bread maker.

    Kids do that sometimes ..but worth talking too his named carer at nursery?
    Originally posted by brizzlegirl
    Well first up, I made muffins, but we do have a breadmaker so this is good to know. Do you have a recipe you swear by?

    Re DS, we have mentioned it as he has been saying one of the boys hits him. We've asked about it and they said this particular boy is actually very polite and she thinks DS is confusing accidental bumping with hitting. Not entirely convinced, but let's see. He always seems happy when we collect him, at least.

    I guess on the furniture, right now we both have our own income and DH probably feels like he can spend his as he wants - which is how we've always managed before. He has taken a look at my budget, and he does keep saying we will need to live more frugally; but that isn't translating into practice yet

    So I've applied for a 0% purchases credit card as part of the housebuilding strategy. The idea will be to use that for certain purchases we can pay by card as it gives us 31 months. I am writing it down here though....assuming I am accepted, other than spending the 200 in Sainsbugs to get the bonus nectar points, I will only spend it on build or fit out stuff - appliances or flooring or tiles or whatever.. Once I know about this one, I'm going to open a second current account and start putting my flat income and outgoings in here too. And I need to start overpaying that mortgage so that's another target.
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • brizzlegirl
    • By brizzlegirl 5th Apr 18, 8:19 AM
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    brizzlegirl
    I will dig it out for you this weekend.

    Having different cards for different purposes seems a good idea. Now that some of the initial offers have gone I am going to cancel 3 cards which no longer give me any benefits. Basically will not use a CC unless it gives me vouchers or points.

    Hope you are getting out with the horses a bit more often. How are they in the snow?
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal 88/750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • mfmaybe
    • By mfmaybe 5th Apr 18, 6:38 PM
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    • 3,694 Thanks
    mfmaybe
    They've been struggling a bit because they get kept inside when it's really wet or snowy or windy - which is a lot! This is the downside of keeping them at someone else's place. They were pretty wild getting turned out today as they had been in for 3 days straight. Sigh. Spring needs to come sooooooon for everyone!

    Current status of bank is 230 left with 140 absolutely certain to be spent. So I moved 50 into my card account towards next month's bill. It's a start.

    This leaves me a very small amount to play with in my bank. I don't think I should need it (as the things I will definitely have to spend such as fuel and food shops go on the Amex) but watch this space. Plenty of time for it go awry as still nearly 2 weeks till payday.

    The car is through its MOT and the work I needed (brake pads mostly) came within the amount I have in my car repairs fund. Phew.
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • mfmaybe
    • By mfmaybe 10th Apr 18, 1:21 PM
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    • 3,694 Thanks
    mfmaybe
    Ok so first up I reckon I've got about 3 left to last 8 days. I ended up taking out 10 cash to buy breakfast before I went to the hairdresser at the weekend, and gave most of the change to DH who had paid to have my car washed last week. And then I spent 20 buying an item from a friend who was sadly closing down her business. Shop small, please (note also to self next time I'm on that Am-zin place). There are no planned expenses but since when did that make a difference!

    I haven't heard a peep out of Sainsbobs re the card I applied for; but I can see the search on the Credit club report so I must have submitted the application! I think it says it takes 3-5 days so hopefully hear tomorrow.

    Got my lorry over to the garage after a few days fiasco arguing with recovery companies, and it looks like it won't need too much work. The test dates are the hardest bit to come by, though, so I don't know how long it will be away. I don't need it urgently but I will to move house.

    Talking of moving, we got our first quote for our build, which was actually horrifyingly high. To put it into context it was 3.5 times what a friend paid 5 years ago - similar sized house with similar issues. We are hoping this firm just don't want the job and are nervously hoping the next lot of quotes are a bit more reasonable. Gulp.

    I've actually got a blog about the process, but it's a bit basic. However I can send anyone the link if they would like.

    Right I have things to do so better get on with it.
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • mfmaybe
    • By mfmaybe 10th Apr 18, 3:52 PM
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    • 3,694 Thanks
    mfmaybe
    OK so it finally cut off at 540, which was another fuel fill. The hotel is on the current month. So that's already at 340 (my share) as I put fuel in the truck too. (Although the hotel bill can come out of my holiday fund). But between food shopping and fuel I expect that to be much the same as last month.
    Originally posted by mfmaybe
    Current Amex status - my share now 473. 90 can come out of the holiday fund for the hotel stay though. Will be definitely one more fuel fill and 2 more food shops at least. So that will be around 600 less the 90 in savings. Need to not spend anything else on that card.

    Must meal plan well - there is plenty of stuff in the freezer.
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • PurpleFairy26
    • By PurpleFairy26 10th Apr 18, 7:54 PM
    • 2,332 Posts
    • 15,758 Thanks
    PurpleFairy26
    Yes please share your blog
    • mfmaybe
    • By mfmaybe 12th Apr 18, 2:08 PM
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    • 3,694 Thanks
    mfmaybe
    Yes please share your blog
    Originally posted by PurpleFairy26
    I've PM'd you the link. Although it would be find-able on a search, I'm keeping it semi low profile until planning is approved. Happy to PM to anyone though.

    Sainsbob card has been approved, though only with a 4k limit. Which is plenty of debt by any measure, but tiny in the grand scheme of building a house. Still, it will pay for all the bathroom kit; or upstairs carpets, which frees up cash for other stuff.
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • brizzlegirl
    • By brizzlegirl 13th Apr 18, 9:28 AM
    • 351 Posts
    • 2,253 Thanks
    brizzlegirl
    Ooh yes, please PM me the link.

    You sound a bit under the cosh MFM..sorry to hear that. Lots of organising and to do lists is never fun, even if like me, you like being a planner and organised. It sometimes feels like the walls are closing in. A good friend of mine has had the same situation with detailed quotes for a self build. Way higher than anything the design team etc indicated and now they are in a real bind as to what to do. Spend years getting planning and now are asking themselves... is it even doable? Lets hope you get some sensible quotes.

    Vehicle problems..I sympathise. I have just taken a money transfer (0%) to pay a large bill. Not nice.

    Heres to a good weekend for you. Hope DS is also good and enjoying nursery

    Brizzle x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 40% [29%May 25%June 15%July] 2018 Income Goal 88/750 September Goals: AFDs 7/25; Decluttering 08/60; LSDs 02/10; NSDs xx/10 Exercise xx/15 12k steps per day pls Aiming to be a true Frugalista!
    • mfmaybe
    • By mfmaybe 13th Apr 18, 1:28 PM
    • 1,141 Posts
    • 3,694 Thanks
    mfmaybe
    Ooh yes, please PM me the link.

    You sound a bit under the cosh MFM..sorry to hear that. Lots of organising and to do lists is never fun, even if like me, you like being a planner and organised. It sometimes feels like the walls are closing in. A good friend of mine has had the same situation with detailed quotes for a self build. Way higher than anything the design team etc indicated and now they are in a real bind as to what to do. Spend years getting planning and now are asking themselves... is it even doable? Lets hope you get some sensible quotes.

    Vehicle problems..I sympathise. I have just taken a money transfer (0%) to pay a large bill. Not nice.

    Heres to a good weekend for you. Hope DS is also good and enjoying nursery

    Brizzle x
    Originally posted by brizzlegirl
    It's a massive leap of faith. Our architect knew our budget and hopefully has worked to that; but really you can't get quotes for the timber frame until you have plans; and by that point it's a little late. So far we've only spent money on fees, and they are over budget. We've had a quote for MVHR that wasn't even in our budget. And the timber frame quote we've seen is also massively over budget. So that's all going swimmingly Anyway I have sent you the link so you can read my housebuild woes in full detail!

    Other things are mainly ok. Feeling a bit sluggish today, weather doesn't help.

    Money news, I over egged the transfer out of the current account. There was a quarterly DD I had forgotten about and DS had a haircut. So I've moved money back to cover the last DD to come out. Payday not till Wednesday.

    I've also got my flat advertised. Usually I'm pretty quickly flooded with enquiries. This time so far nothing, not even an ad view. So I may have overpriced it. Sigh.
    0% card was 1126.91 / Now 1101.51

    AFD June 8/15 NSD June 5/11

    Other debts paid since 1/1/14: 17,005
    • PurpleFairy26
    • By PurpleFairy26 14th Apr 18, 8:09 AM
    • 2,332 Posts
    • 15,758 Thanks
    PurpleFairy26
    Thanks for the blog, a great read. What a beautiful setting.

    What I find with our build (all be it not as big as yours) is that it's a bit chicken and egg, you don't know how much it's going to cost and although you brief an architect, they aren't actually pricing it and also seem to want to add some wow element and then you have to get it priced and it all just takes ages....

    To be fair, our design process was quite straight forward, the thing now taking time is our architect has gone awol so we may have to do submissions ourselves. Looking forward to hearing about your other quotes.
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