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  • FIRST POST
    • EatingTheElephant
    • By EatingTheElephant 26th Jan 16, 7:50 PM
    • 1,298Posts
    • 7,107Thanks
    EatingTheElephant
    Time to get serious
    • #1
    • 26th Jan 16, 7:50 PM
    Time to get serious 26th Jan 16 at 7:50 PM
    Hello Everyone

    I have been reading this forum for quite a while now. There have been many mentions that a diary has helped many of you with your goals, so I'm here to join in and knuckle down.

    My oustanding mortgage is very small, that is not the real challenge!

    This year the mortgage will be gone, however we are really keen to move.

    Getting a mortgage for the type of house we want will be difficult, so the plan is to save as much as possible. It doesn't help that I am very impatient!!

    The initial focus is to clear the current mortgage and reduce the outgoings. On the 1st January it was £9400 and I was hoping to have it paid off by the end of the year. It is currently at £3900

    So far I have claimed credit back from energy suppliers, claimed outstanding expenses from the business and sent off scrap gold. Ate from the mealplan, there was lots of food left over from Christmas and used the nectar points at $ainsburys and T3sco points for food, claimed the cashback sitting in T0pCashback, scoured all the accounts to shuffle bits into the mortgage and bought virtually nothing all month (not sustainable I know!!).

    Off to hunt for the next financial area of focus....
Page 42
    • EatingTheElephant
    • By EatingTheElephant 23rd Dec 17, 3:35 PM
    • 1,298 Posts
    • 7,107 Thanks
    EatingTheElephant
    Thank you Karmacat, hope you have a wonderful Christmas too
    • smallholdingsister
    • By smallholdingsister 23rd Dec 17, 6:39 PM
    • 3,591 Posts
    • 30,135 Thanks
    smallholdingsister
    I hope the hay is dust free and sweet smelling for you. X
    • EatingTheElephant
    • By EatingTheElephant 23rd Dec 17, 6:44 PM
    • 1,298 Posts
    • 7,107 Thanks
    EatingTheElephant
    It!!!8217;s smells wonderful SHS
    All neatly stacked in the hay barn now!

    We use the same farmer for hay we have always used, we are actually closer to him now we have moved. His wife does the turkey for Christmas and the granddaughter helped us load up the hay, it!!!8217;s a real family affair.
    • Busy Mee1
    • By Busy Mee1 26th Dec 17, 8:23 AM
    • 609 Posts
    • 2,770 Thanks
    Busy Mee1
    Happy Christmas ETE - I hope you are having a good one x
    • EatingTheElephant
    • By EatingTheElephant 27th Dec 17, 8:35 AM
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    • 7,107 Thanks
    EatingTheElephant
    Thank you BusyMee, we had a lovely Christmas at Elephant towers, all the socialisation has taken it out of me a bit, although it was enjoyable.

    No work this week thankfully, so I!!!8217;m planning to potter around and recharge my batteries and get very wet if the forecast is accurate. The stables flooded yesterday so we may look to bring forward the work we were planning to do up there.

    I hope everyone has enjoyed their festivities and is getting ready to tackle next year!
    • Karmacat
    • By Karmacat 27th Dec 17, 9:16 AM
    • 29,312 Posts
    • 167,824 Thanks
    Karmacat
    No work this week thankfully, so I’m planning to potter around and recharge my batteries and get very wet if the forecast is accurate. The stables flooded yesterday so we may look to bring forward the work we were planning to do up there.
    Originally posted by EatingTheElephant
    Don't get your batteries wet!

    I hope everyone has enjoyed their festivities and is getting ready to tackle next year!
    Absolutely! And the same for you
    Retired August 2016
    • EatingTheElephant
    • By EatingTheElephant 27th Dec 17, 9:21 AM
    • 1,298 Posts
    • 7,107 Thanks
    EatingTheElephant
    Don't get your batteries wet!
    Originally posted by Karmacat
    • EatingTheElephant
    • By EatingTheElephant 29th Dec 17, 10:22 AM
    • 1,298 Posts
    • 7,107 Thanks
    EatingTheElephant
    As usual this time off work is going far too quickly. We have been out exploring new places with the dogs quite a bit
    and actively avoiding the crazy shops, so no spends there.

    I had my hair done yesterday for the first time in about 18 months. Our village has a pub, a village shop and a hairdressers so I thought I would give the hairdressers a try and was very pleasantly surprised. The hairdresser was lovely and has horses not far from ours and so I got lots of local horsey information whilst having my hair done. The cost was even cheaper than my usual friends and family discounted price at the town hairdressers I normally go to as well without the hassle of getting there and paying for parking etc. I will certainly be returning

    We have a busy few days coming up, meeting up with family and friends so I!!!8217;m going to try and relax today, although hubby has just gone out on an emergency job as the storm last night fried some equipment.
    • Karmacat
    • By Karmacat 29th Dec 17, 10:29 AM
    • 29,312 Posts
    • 167,824 Thanks
    Karmacat
    That's a good find! I don't have a good cheap local one anywhere, so I go back to the city where I used to live, which is one of those non-booking places. Only ever once had a bad cut, over the course of several years, so it's worth doing.

    Have a lovely rest-of-the-holidays
    Retired August 2016
    • Busy Mee1
    • By Busy Mee1 29th Dec 17, 12:27 PM
    • 609 Posts
    • 2,770 Thanks
    Busy Mee1
    A good hairdresser is a good find - I have been going to the same one for 23 years. She cut the kids hair too ( and Mr Mee!!!8217;s when he had some). My son won!!!8217;t let anyone else touch his hair, he used to come back from university just to get his hair cut. They are brillIant for local information and gossip too.

    We have some very soggy snow here today and I am hoping it will disappear by tomorrow as we have a long drive south.
    • smallholdingsister
    • By smallholdingsister 29th Dec 17, 2:20 PM
    • 3,591 Posts
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    smallholdingsister
    Boo hiss to the stables flooding.
    • EatingTheElephant
    • By EatingTheElephant 30th Dec 17, 7:59 AM
    • 1,298 Posts
    • 7,107 Thanks
    EatingTheElephant
    Today we are off to the cinema, I!!!8217;m going to try and sneak a bottle of coke in and some sweets in my coat pocket! Tickets have already been paid for.

    I!!!8217;m trying to formulate some goals for this year and have just looked back though my diary to this time last year. That was a crazy time, trying to get the house ready to sell!

    This year I want to keep it simple and try to take it a bit easier, I!!!8217;m hoping the ingrained mse ways will mean we will still make progress, just not st the same crazy speed as the last couple of years. This is a marathon after all

    There will be a lot of extra training and travel to competitions with pupster next year, so I need to keep organised and on top of things to keep on track. The first one is next week and I!!!8217;m planning to carshare which should reduce the cost a bit.

    Savings need to be replenished and quite a few bits of work up the stables to improve the area will keep us out of mischief no doubt.

    I must also look at extending the planning application on the house extension, there!!!8217;s no great rush needed to get it done as we don!!!8217;t need the extra room and I think we will push that out another year.
    • EatingTheElephant
    • By EatingTheElephant 1st Jan 18, 8:28 AM
    • 1,298 Posts
    • 7,107 Thanks
    EatingTheElephant
    Happy New Year!

    Yesterday I spent the day catching up on a couple admin related tasks. I sorted out the expenses receipts and made an OP of £469.07. It won’t be applied until tomorrow though when the banks are open again.

    To round off 2017, we have
    Mortgage outstanding £229,946.70
    Savings £537
    • Karmacat
    • By Karmacat 1st Jan 18, 10:01 AM
    • 29,312 Posts
    • 167,824 Thanks
    Karmacat
    Happy New Year! and it's a great way to end the old one, by making a substantial OP, good for you
    Retired August 2016
    • smallholdingsister
    • By smallholdingsister 1st Jan 18, 10:38 AM
    • 3,591 Posts
    • 30,135 Thanks
    smallholdingsister
    Hope you got your sweeties in to the pictures. On the rare occasions we go I have been completely blatant about it.
    • EatingTheElephant
    • By EatingTheElephant 6th Jan 18, 8:40 AM
    • 1,298 Posts
    • 7,107 Thanks
    EatingTheElephant
    First work week of 2018 done
    Just a little one as Monday was BH and I had yesterday off for a dog event.
    I did a carshare there, so now have £30 cash from the person we gave a lift to as well.

    After wages went round the various accounts there was a small amount left over, so shuffled that over to savings, which now stands at £618.

    We have an experience day today, which was a gift, so no spends there. There will be spends today as we need horse feed and bedding.

    This weekend I need to mealplan, book a shopping delivery, make soups for lunches next week, sort the fridge out, do the dog entries for events coming up and book training, chase up a missing 3bay item, ironing, lots of dog walking, clean stables and collect wood for the fire. I will be surprised if I get it all done, but it will be good fun trying!
    • smallholdingsister
    • By smallholdingsister 6th Jan 18, 1:28 PM
    • 3,591 Posts
    • 30,135 Thanks
    smallholdingsister
    Good luck with all that!
    • EatingTheElephant
    • By EatingTheElephant 9th Jan 18, 1:57 PM
    • 1,298 Posts
    • 7,107 Thanks
    EatingTheElephant
    Well I managed it all, but I was worn out afterwards!
    The mealplan is scribbled on paper and not the neat electronic copy printed out that we normally have, but it will do.

    I've just updated CP for the week and I'm currently cleansing my inboxes, I plan to keep a nice neat tidy inbox for all my mail accounts, not just my work accounts.

    The big dog lost his coat at the weekend, which I'm gutted about. I've ordered some fabric to make a new one but I think I might be a bit dillusional about getting the time to do this! Hubby did pick up a cheap one for now from the big green pet shop.
    Pupster is back to training tonight and tomorrow night, so a couple of £ needed there, but hopefully there will be no other spends this week.
    • Karmacat
    • By Karmacat 9th Jan 18, 2:36 PM
    • 29,312 Posts
    • 167,824 Thanks
    Karmacat
    Wow. I'm very impressed. I'm in awe, in fact! Sorry the dog lost the coat though
    Retired August 2016
    • EatingTheElephant
    • By EatingTheElephant 13th Jan 18, 9:20 AM
    • 1,298 Posts
    • 7,107 Thanks
    EatingTheElephant
    Thank you KarmaCat

    That!!!8217;s another week done with just a couple spends for dog training and a big spend for a shopping delivery. I!!!8217;m going to make it stretch though and see if I can find some new easy recipes for the end of the month (meal plan is only done for a fortnight). I mentioned the fact I had a meal plan in the office the other day and everyone looked at me as if I had two heads!
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