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  • FIRST POST
    • natsplatnat
    • By natsplatnat 4th Jul 14, 10:31 AM
    • 2,948Posts
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    natsplatnat
    My Diary v3.0
    • #1
    • 4th Jul 14, 10:31 AM
    My Diary v3.0 4th Jul 14 at 10:31 AM
    Hi All!!

    Well, here it is... "My Diary v3.0"

    My previous diaries (don't panic, there are only 2!) can be found here....

    http://forums.moneysavingexpert.com/showthread.php?t=1303349&highlight=

    http://forums.moneysavingexpert.com/showthread.php?t=2961314


    Today, my signature looks like this...

    LBM ,- Wed 19th Nov 2008 19,225
    JAN 11: ONLY 170 0X 100 PAYMENTS TO GO *bank of OH @ 0%*
    *A WORK IN PROGRESS!*
    *2014 cashback pending 78.98, PAID 138.35*
    (2011=137.30, 12=66.39. 13=102.61)
    Iceland fund 458.12/ 1000 EBAY 205.50

    And I should be jumping up and down with joy as it shows that I have made my last payment of 170 x 100 to my darling OH (he lent me the money interest free to clear my debts!!).

    But.... actually, that should be But (coz its a big but) here I am starting a new diary on the DFW diary forum.

    And that is because over the duration of my last diary (starting November 2011) I have re-borrowed 6862.26 from my darling OH! To be honest, he is sooo useless with money, that I could tell him tonight that I made my last payment to him today and he wouldn't have a clue whether that was right or not! (But he does know I have re-borrowed this amount.)

    But that is not an option. Bless him, he even said a few months ago that I don't need to pay him back any more. But, this is my debt, I spent the money, and I will repay it... in full!

    So, I am going to continue doing what I have been doing. Repaying 100 a week for the next 69 weeks. By my reckoning that puts my last (and I do mean last) payment as the 30th October 2015!!! GULP!

    I do have a little plan though (from my previous diaries, you will note that I like a plan!). I am currently setting aside money for a trip to Iceland next year for OH's 50th birthday. 10 a week as a definite, an extra 10 a month from the reduction in my car insurance premium, all cashback earned and some account rounding-down. Target for this is 1000 by December. I am pretty much on track for this.

    So, once this is done I am going to keep setting this money aside to bring my debt-free date forward. Minimum 10 a week, starting next year!

    Oh, and I still running several spreadsheets! I honestly could not live without them!

    So, there is my sin confessed - you have got me for a bit longer!

    Feel free to pop in and keep me company! Nats x
    Last edited by natsplatnat; 02-10-2015 at 9:28 AM.
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


Page 40
    • natsplatnat
    • By natsplatnat 8th Jan 19, 9:47 AM
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    natsplatnat
    Morning KD!


    I can only imagine how all-consuming planning for a wedding can be! I am sure you have it all under control though!


    I am loving de-cluttering - last night I was just wandering around downstairs and I reckon I binned about half a black sack of rubbish, tat, un-usable, un-sellable 'stuff'. It was all so meaningless that I can' even remember what most of it was; so I'm not going to miss it!
    I need to be ruthless with my clothes. I always say "I've got nothing to wear" but my drawers are full! I'm going to start with "have I worn it in the last year?" If it's a no, and it has no sentimental value to it.... it can go (either tip, charity shop or be sold).


    In the interest of progress...
    I checked all three passports and we are all good. The first one to worry about isn't until 2021.
    Can't currently change clubc4rd vouchers into train tickets as the supplier is currently suspended. Will keep an eye on this as would rather use vouchers than pay for tickets to London in April.
    All clean clothes are put away.


    Crazy hours being spent at work at the moment.. we have a computer system upgrade on the cards for Feb and expansion ear-marked for March/April. It won't be forever... just eats into my home time... tidying time!


    Laters x
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 8th Jan 19, 2:01 PM
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    natsplatnat
    Ooh, looks like the clubc4rd exchange for train tickets is back up and running - that will move to the top of this evenings TO DO LIST!!
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 8th Jan 19, 5:36 PM
    • 2,948 Posts
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    natsplatnat
    Realised I hadn't update my G&E details on the MSE Cheap Energy Club, so I have just done so.... and I could save..... 2.00 a year if I change supplier! For the sake of 16p/month I think I will wait a while thanks!


    It is worth logging your details on there - I have set a parameter so they will email if a deal comes up that will save me x per year! Saves me keep checking I am on a good deal!
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 9th Jan 19, 12:57 PM
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    natsplatnat
    Vouchers converted to reward coupons last night! Went for a 'travel together' rail card for 10 in vouchers giving us 30% train travel for a year and then converted 18 in vouchers to give a 54 coupon for the train supplier. Perfect!!
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 10th Jan 19, 10:31 AM
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    natsplatnat
    Morning All!
    Woke up thinking today was Friday, so I started the day a little disappointed! I am also a little achy after my first spin/circuits class in a month last night! Really good to get back to it though!
    Need to read and submit my meter readings tonight. Must schedule CC payments too.
    Been looking at new bathroom furniture at work this morning! We don't need much... new suite (toilet, basin and bath), new shower + glass screen rather than curtain and a towel radiator. Then there's tiles, flooring and paint. Time for a projectboard me thinks!
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 11th Jan 19, 10:36 AM
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    natsplatnat
    Happy Friday! Although Fridays no longer hold the same weekly payday excitement for me, I am very glad this one is here!

    Meter reading noted last night and submitted this morning. December usage is virtually identical to Novembers which is good as we were at home a lot more in December so I was thinking it could be horrendous. I guess the real test will be if this cold snap materialises at the end of the month. Oh well, not a lot we can do about that so I won't be worrying.



    Managed to swerve OH's "Thursday night is takeaway mentality" last night. It started by OH suggesting we went out to eat and use some vouchers, which would have been ok on the cost front, but we have a meal out tomorrow for DSS b'day so not great on the intake front. Then we both decided we were too tired to go out after work and there were mutterings about a takeaway. I disappeared upstairs to sort through my bed-side table and put some washing on, OH shortened the cable on the new hall light and then I suggested using up various frozen xmas 'nibbly-bits' with some coleslaw and salad. OH agreed and dinner was created... It was a bit odd, but edible and vaguely healthy with the salad etc. More importantly it has used up bits from the fridge that would have needed to be thrown in another few days and created some space in the freezer for more useful food! And it didn't cost us any money!


    Things for the weekend....


    Lunch out for DSS birthday tomorrow
    MUST schedule CC payments + have financial review with OH.
    Discuss another house-sitting offer with OH to see if he can bare to be without me for another week! lol
    Measure 3 paintings. I now have a choice of 4 tape measure to use!
    Xmas decs in loft + lay 2 x spare floor boards up there left over from doing the landing floor; will enable a bit more space to move stuff around and sort!
    Take bag of shoes for recycling and other bag to charity shop.
    Apply for train discount card with the clubc4rd coupon; involves uploading a pic so needs a bit of time and to be done at home, not work!
    Sort details for OH's aunts 100th birthday tea-party.
    Do all the dirty washing and the fleeces the cats lay on.
    Put all clean washing away
    Would like to wash the car(s)


    Need to buy....
    • Stash of birthday cards for the year (always good to have a selection in the drawer for when I forget - usually from the card shop on a 10 for 1 deal or something similar).
    • New home card for friend (if there's not one in my card stash already!)
    • 2019 Calendar
    • Vape liquid (should really look into buying online)
    • Food for the week coming inc. lunches
    As usual I doubt whether it will all get accomplished, but I have discovered that if I don't list things then NOTHING will get done! And something is definitely better than nothing when it comes to doing!


    Right, I am logging off to do some work. Loads to do but definitely have "that Friday feeling!!"


    Have a great Friday and weekend! xxx
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • kdalwayskint
    • By kdalwayskint 12th Jan 19, 8:55 PM
    • 624 Posts
    • 1,740 Thanks
    kdalwayskint
    I should have made a list really! Grand kids here so not a lot has been done, I haven't even managed a load of washing, that will have to get sorted tomorrow as well as going to see my niece as it's her birthday, and I want to sort out a meal plan for next week

    So far wedding diet seems to be going ok, we've both lost a couple of pounds, I did feel like I could do with something naughty today, so I've had a hot chocolate!

    I was going to buy a pair of shoes and matching bag in the rooby shoe sale but it crashed just as I was going to go to the checkout!

    Hope you're keeping well x
    Saving for Christmas 2019 ~ 114/365
    Getting married 24/05/19
    Car Fund 908.60/5000
    DFW Nerd #1155
    LBM 25/2/09 Debt at highest 8,037.35 now 0
    Credit Card 1680/2500
    • natsplatnat
    • By natsplatnat 14th Jan 19, 10:17 AM
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    natsplatnat
    Hi KD - I definitely need a list. I find it all too easy to put off doing even the smallest things and then get to Sunday evening and realise nothing has been achieved. At least with a list we can both see what needs to be done rather than sitting on our laurels!


    So... what did we manage...


    Things for the weekend....
    Lunch out for DSS birthday tomorrow
    MUST schedule CC payments + have financial review with OH.
    Discuss another house-sitting offer with OH to see if he can bare to be without me for another week! lol
    Measure 3 paintings. I now have a choice of 4 tape measure to use!
    Xmas decs in loft + lay 2 x spare floor boards up there left over from doing the landing floor; will enable a bit more space to move stuff around and sort! Floor boards did make it into loft, just need time to sort some stuff to make room to put them down - but at least they are out of the way for now!
    Take bag of shoes for recycling and other bag to charity shop.
    Apply for train discount card with the clubc4rd coupon; involves uploading a pic so needs a bit of time and to be done at home, not work!
    Sort details for OH's aunts 100th birthday tea-party. Invites written and will be posted today
    Do all the dirty washing and the fleeces the cats lay on.
    Put all clean washing away
    Would like to wash the car(s)
    Hall light up (finally)
    Car washer fluids, oils and tyre pressures checked.
    Roast dinner cooked - all from freezer apart from cauli-cheese, sprout and carrots.
    Took cardboard with me when I went to the recycling centre.
    Bought nieces b'day present and card - will use gift bag from my stash!

    Need to buy....

    • Stash of birthday cards for the year (always good to have a selection in the drawer for when I forget - usually from the card shop on a 10 for 1 deal or something similar). There was a 20 cards for 1 deal on... rude not to stock up at 5p / card!
    • New home card for friend (if there's not one in my card stash already!)
    • 2019 Calendar - All written out for year ahead
    • Vape liquid (should really look into buying online)
    • Food for the week coming inc. lunches - will need a few bits as the week goes on, but hoping to work our way through the freezer... and our mountain of various pastas!
    OH managed to swerve the financial review chat yesterday. It's getting to the point where I think I may just do away with the CC (as it's solely in my name) and then see how he gets on! I know it's a bit petty, and I really don't want to, but something has got to give. Could be interesting if I do! lol.


    I aim to continue with my "doing a bit every evening" at home this week. Tonights "bit" will be putting all the clean clothes away. Man that basket was heavy when I carried it upstairs last night! I can do that whilst OH makes one of his lush curries from a reduced cooked chicken we picked up at the weekend (he does have some uses!). We have naans and bhajis in the freezer, rice in the drawer along with spices and sauces + tomatoes, so shouldn't need to buy anything for tonights dinner.


    I emptied the change pot in the kitchen yesterday and I have a bag full of change sat on my desk at work to change up today. I collect all the interesting 50p coins - had a quick count up and it's amazing how quickly they add up!


    OH is on the hunt for a new TV for his Aunt (100th birthday this month), so I will leave him to hunt for the best deal and suggest checking cashback sites before buying. I am sure January is nearly as expensive as December; what with sales shopping, birthdays etc it feels like dishing out money is never ending.


    Right, eyes down - work to do!
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 14th Jan 19, 12:35 PM
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    natsplatnat
    Just totted up my change and there's over 10! I have converted most of it into 50pence pieces so I have some to exchange for 'special' ones when I discover them. The rest will go back into the pot as 5p's .. as they take up the least space per coin!
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 14th Jan 19, 5:07 PM
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    natsplatnat
    I was reading a diary on here a little while ago and they were de-cluttering / minimising (onebrokelady it may have been) and I realised that it's not just a physical act, there is a real change in mind-set... mainly being able to let go! For example... I moved out of my parents house almost 20 years ago and I have kept (amongst other things) a bag of 'worn,big, fluffy slippers' in their loft since then. When they asked me if they could dispose of them (they are all worn) I fiercely objected because they were mine!! Last week my mum mentioned them and I just said "yes, I think they can go now!" I no longer have an emotional attachment to them... not bad after 20 years! I am hoping the same mentality will apply to my own house!
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • redofromstart
    • By redofromstart 14th Jan 19, 7:14 PM
    • 2,313 Posts
    • 14,690 Thanks
    redofromstart
    I'm trying to change my headset too, I have bursts of energy and then get bored. I'm finding one broke lady's posts thought provoking and I have done a small amount as a result. Even half an hour a week is better than none at all surely?
    • natsplatnat
    • By natsplatnat 15th Jan 19, 10:44 AM
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    natsplatnat
    Even half an hour a week is better than none at all surely?
    Originally posted by redofromstart

    Indeed it is! Like a lot of things I think once you see the difference you can make in the odd 20mins or half hour you feel more motivated to do a bit more.


    I have found de-cluttering a real challenge before - mainly because we live in a small 2 bed house and there has never been the room needed to sort through things and put them temporarily (even for a few days) before they get re-homed (somewhere in the house / charity shop / tip). With DSS currently residing at his sisters his room is the room I've needed. Anything that is sorted but needs somewhere for a few days is parked in there and then cleared at the weekend. So far this plan seems to be working - long may it continue!


    Last night all the clean clothes were put away and my nieces present wrapped and card written. I wrote 2 thank you cards for Christmas presents and we started compiling a shopping list for OH's aunts tea party we are doing for her next week.


    Tonight we are going on a scout for items for OH's aunts tea party and delivering nieces present. This means we won't get home until later than usual, but I aim to try and do something in the house to keep the momentum going!


    OH did cook a curry last night - and it was lush... However, he did decide he needed to buy more rice, sauce, a naan bread and samosas! I do despair! But at least the things we already had won't spoil and can be used next time.


    Have a great day everyone - happy tidying and debt-busting! xxx
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 16th Jan 19, 9:27 AM
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    natsplatnat
    Got home much later than anticipated last night as OH was insistent on stopping at the pub "for a quick one!" My only bit of "doing" was sorting through the shelves in the bathroom that hold the shower gels, shampoos and conditioner... managed that whilst actually in the shower! lol. I have removed all the nearly-full shower gels bottles (now stored back in the airing cupboard) and left all the ones that need using up. Why OH thinks he needs 8 different bottles on the go at one time is beyond me!


    Circuits tonight, so wont be home until gone half eight. OH will do dinner, but I need to find 'something' quick to do too. Maybe put some washing on?!


    Have a great day everyone - I am on snow watch... there is a tiny chance of some sleet tomorrow. I'm hoping next week will be more interesting!
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 16th Jan 19, 2:04 PM
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    natsplatnat
    Ok, so it would seem that my brain is in financial overdrive today. Don't get me wrong, random money things quite often pop into my head... to be fair most of my 'plans' have started with a random musing (and you all know how I love a plan!).
    But today my brain has been whirring at warp-speed. My thoughts so far...
    1. I (should) receive my payrise at the end of this month (amount currently unknown)
    2. I can't play with my spreadsheet until I know point 1 above.
    3. OH had a payrise of 500 this year
    4. Rent increase of +200 in March
    5. Need more 'pots' for allocating money to - as much as I like seeing 1 or 2 larger amounts.
    6. I currently earn more than OH - but I think he puts more into his pension than I do, leaving him with an even lower net monthly income
    7. Do I up my pension contribution to match OHs based on % of wage? I was late starting a pension and need to play catch-up a bit.
    8. Is it time to pro-rata the money we pay into the house account based on wage (especially thinking about point 4 above!)?
    9. We didn't when I earned less than OH, but is that my own fault?
    I don't feel anxious about any of the above, but I definitely don't like unknowns and a lot of the above are intertwined. I guess I know the answers to some already. I will park these thoughts here in black and white, ready to re-visit when I know what point 1 is. I will also ask what OH pays pension-wise so I have that to hand ready to roll at the end of Jan.
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • Lucifa73
    • By Lucifa73 16th Jan 19, 2:40 PM
    • 7,645 Posts
    • 10,449 Thanks
    Lucifa73
    Hi Nat.

    With all those financial tweaks it does sound like a good time to do a review of finances.

    Hubs and I prorate based on net pay and pay into the joint account accordingly. It has worked well for us for 13 years other than the times I was on mat leave or not working, but we reviewed before and after each of those changes to work out what would be best. When we started I was the larger earner but when I had to do a career change he became the larger earner and I'm only just catching back up now. We have rolled quite easily through all those changes. We will review again once I know what my net pay will be at the new job.
    26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 700/13876.59 : W 0% 80/1485 = 4409.26/18990.85 =23.22%
    28.1.19/28.1.19 Hubs 0% 200/2,977 =6.72%
    SPC 2019 #073



    • natsplatnat
    • By natsplatnat 17th Jan 19, 9:08 AM
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    natsplatnat
    Hi Lucifa, thanks for dropping by - you are right, it is the best and fairest way forward. I am going to get everything together when we both have our Jan payslips and staple OH to a chair until we work it out!!


    Was totally shattered after last nights class, so unfortunately nothing got done. It was just home, shower, eat, watch a bit of TV then Zzzz. There is always tonight!


    Waiting patiently for snow - but being right down in the SE doesn't bode well!
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 18th Jan 19, 12:09 PM
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    • 2,706 Thanks
    natsplatnat
    So there were a few rogue flakes around 10 miles away yesterday and it doesn't look any more snowy here for at least the next 3 days!


    Managed a quick tidy at home last night. A load of washing was put on, so that will need drying this evening. Picked up some flea-spray on the way home. Both our cats are treated monthly with drops but they seem to have picked up some little guests. Eurgh! They literally make my skin crawl!! Tonight it will be a case of washing all the fleeces etc, hoovering and dowsing everywhere and the cats with spray! They are going to hate me! Needs must though!


    If you have been reading over the years, you might recall my OH having some heart issues. Following his last procedure almost 2 years ago, all has been well. But last night he announced things were not quite 'normal'. Fingers crossed this is just a blip (it can fix itself) and doesn't become persistant as last time it was 13 days in hospital and a procedure in London! We will monitor carefully.


    Sooo, this weekend.... I should be at work but have swapped so I can go to OH's family meal tomorrow (I have downloaded a voucher to put toward the meal!). I think there is 8 of us which will be nice, but it is a 125 mile round journey. A journey we will do again next Weds for his aunts actual b'day to host a tea party at her house.
    We will be out for pretty much all of tomorrow, so it looks like Sunday will be the major 'doing' day! I am only going for a small list though as we need to go out and get things for the tea party!


    Can't wait for payday to come around - I want to play with my spreadsheet!


    Have a great weekend all! xxx
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 18th Jan 19, 5:38 PM
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    natsplatnat
    Just had notification of my new pay, effective in this months pay!!


    I have run the figures through an online calculator & I should see a monthly increase of 75 (give or take a few pennies).
    Based on this info I have been happily playing with my spreadsheet (although I will require my new payslip to see exactly how it pans out).
    Not getting too excited though as this increase is wiped out by the rent increase & based on our current arrangement of splitting the house account contributions 50/50 I will be down by 25 a month; realistically I expect this amount to increase when I see OH's Jan payslip to see where he is at with a view to splitting out contributions according to our net wage.
    My current pension (government workplace one) contribution is 5% (3% compulsory and 2% voluntary). This is due to increase to 7% in April / May when the compulsory element is increased to 5%. I can change or stop my voluntary contribution at any time.


    Right, I am heading home from work now. Have a fabulous weekend all! xxx
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 21st Jan 19, 11:16 AM
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    • 2,706 Thanks
    natsplatnat
    Morning All!

    What a perfect winters morning. It's gone 10am and there is still a thick frost on the ground, but the sun is shining... the only thing to improve on this would be snow!


    Weekend round up...
    OH's Aunt insisted on paying for lunch on Sat. Very kind of her. We used a 40% voucher and added in our reward 10 voucher so for 7 of us the total bill was 106, which I didn't think was too bad at all (2 course + 1 round of drinks). We were out from 10:30 until around 7pm. We were a bit peckish (lunch was early for us) so I cleared a few more of the Christmas snacky-bits from the freezer! I will make space in there... I will!


    Things achieved... my car washed (thanks to OH!), 2 loads washed and dried + folded ready to be put away tonight, house hoovered, cats sprayed and combed, sofas wiped, bathroom cleaned, bins emptied and a lush roast lamb dinner cooked.


    On the topic of roast dinner, I was really impressed with A5das garlic butter lamb! 4.50 gave us a nice chunk of meat with very little fat - more than enough for 2 of us and a bit left to go in a OH 'special curry' later in the week.


    A few bits picked up for the tea party Weds... I have a bit of cake decorating to do tonight!


    Managed to locate OH's Dec payslip, but haven't looked at it yet.


    Catch you all later! xxx
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • natsplatnat
    • By natsplatnat 22nd Jan 19, 9:14 AM
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    • 2,706 Thanks
    natsplatnat
    Just a tad warmer here this morning - at least there was no frost to scrape from the car!

    Managed to put all the clean clothes away last night and we went shopping for bits for the tea party tomorrow! Cake decorating is a priority for tonight... mainly as it has to be ready for tomorrow!
    Payday in 6 days! Whoop whoop! Looking forward to putting my latest plan in to action and updating my spreadsheet!

    Forgot to pick OH's payslip up again this morning - was pre-occupied with the whereabouts of our smaller cat - very unlike her not to be around for breakfast... thankfully she appeared just as I got in the car! I will make sure I pick it up and have a look at it on Thursday.


    Dinner will have to be something quick tonight and OH will have to sort it. I have to finish the cake for tomorrow, wash and straighten my hair so I don't look like a scarecrow and then off to bed as early as poss as tomorrow is going to be a long day. Nothing 'housey' will get done tonight! Oh well!


    Have a great Tuesday all! xxx
    LBM ,- Wed 19th Nov 2008 21,225 PAID OFF
    *DEBT FREE 28th September 2015*


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