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  • FIRST POST
    • EatingTheElephant
    • By EatingTheElephant 26th Jan 16, 7:50 PM
    • 1,331Posts
    • 7,259Thanks
    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 48
    • EatingTheElephant
    • By EatingTheElephant 8th Jul 18, 6:50 AM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    Morning

    The goal for today is to try and keep cool! Iím finding it hard to get things done in this heat. Even walking the dogs at 6 and it is hot already. This year is certainly a year of extremes weather-wise.

    The last event of this month that requires hundreds of miles of travelling was yesterday, all the others are more local until September now, apart from a lesson later in the month, which should help with fuel costs.
    The cool bags and taking food each week has been such a great help with costs.

    Iíve signed up for the MasterCard offer that was in the email the other week, not sure if it will be much, but every little helps

    The extension has still not been started, who knows when that will begin.

    Other money news is that the huge contract for our business is coming to an end. This is completely expected, it was only supposed to be for a couple months and has rolled on for a few years, so canít complain. Iím looking forward to a bit of time to catch up with everything else! Although not great timing for the extension.

    The business year end is end of July so I really need to get all expenses completed before year end. They are somewhat behind.
    • Busy Mee1
    • By Busy Mee1 8th Jul 18, 7:09 AM
    • 689 Posts
    • 3,177 Thanks
    Busy Mee1
    Morning ETE glad to hear all well in your world....really frustrating waiting for builders to start, hopefully they will start soon.
    I didn't notice what the MasterCard offer so will have a little look.
    • EatingTheElephant
    • By EatingTheElephant 8th Jul 18, 7:20 AM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    There was an offer in the mse email but Iím not sure what date that ran out, if itís run out already you can use my referral code we will both get £5 according to the email they sent me. Feel free to use it if you would like

    Y5NFSGEJCNPF38KTF

    The link to the website is
    https://www.myice.com

    Hope that helps BusyMee.
    • Busy Mee1
    • By Busy Mee1 9th Jul 18, 6:50 AM
    • 689 Posts
    • 3,177 Thanks
    Busy Mee1
    Thanks very much ETE will have a look
    • EatingTheElephant
    • By EatingTheElephant 14th Jul 18, 6:11 AM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    Another tiring week, Iíve been looking forward to a lie in but have been awake for ages. Typical!

    A local-ish dog event today, only a 2hour drive, which is a lot but compared to the drives we have been doing is a luxury! Food is packed ready.

    We are taking our niece to the cinema tomorrow for her birthday treat, I need to look out the Lloyds account cinema tickets for this a bit later. Then both DDs will be round for a BBQ.
    • EatingTheElephant
    • By EatingTheElephant 14th Jul 18, 7:44 AM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    Iíve just found the email for the cinema tickets and I think Iím slightly sad as Iíve becime very excited that you can use the codes when booking online now
    Previously paper had to be printed and handed over to an actual person.

    Second bit of excitement for the day, logged onto internet banking and there was a message that you can now pay in cheques by using your phone camera. Amazing
    • Karmacat
    • By Karmacat 14th Jul 18, 10:41 AM
    • 29,741 Posts
    • 171,495 Thanks
    Karmacat
    Oh my word! I think I'd be quite excited too at that

    A two hour drive is local??? My sympathies. I'm off to a local event today (horticultural show, I'm picking up my ticket to a coach trip to see Chelsea Physic Garden and Fulham Palace) and its 12 minutes walk (to the show, not to Chelsea Physic Garden!)
    Retired August 2016
    • EatingTheElephant
    • By EatingTheElephant 21st Jul 18, 7:28 AM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    A 2hr drive is local compared to the recent events weíve been attending! However, this weekend we have 2 events, both just 15minutes drive. A complete luxury

    Not a lot of news here, still waiting for contract to end, still waiting for extension to start.

    Another busy week next week....I canít wait to have a break in fact!

    Lots to do this weekend as well, it will be a case of working out what *has* to be done right now and the rest will just have to wait.
    • Moneyfordreams
    • By Moneyfordreams 21st Jul 18, 8:14 AM
    • 1,092 Posts
    • 5,429 Thanks
    Moneyfordreams
    I begrudge a half hour drive hope it's all good for you
    Mortgage restart June 2018 £119950
    zero personal cc
    6x166 for sofas ending November 2018
    £2500 on DD1s car cc
    • EatingTheElephant
    • By EatingTheElephant 4th Aug 18, 6:39 AM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    Our business year has ended, I did manage to calculate and transfer all mileage and expense claims before the year ended

    I was a bit behind, so now our personal and bills accounts look quite healthy!

    We are still discovering lots of new places, found s lovely weir to swim the dogs last weekend and once a week we take them to a beach in the evening and have fish and chips for tea. I have a childís portion

    DD1 and DGS are on holiday, we have them a little bit of spending money for when they are there.

    Teenage dog passed another exam this week and has gained another couple points from his events, so he is doing well.

    Iíve been thinking a lot about long term goals the past couple weeks for some reason!
    • Karmacat
    • By Karmacat 4th Aug 18, 10:33 AM
    • 29,741 Posts
    • 171,495 Thanks
    Karmacat
    I know why you're thinking about long term goals: you've got the present day absolutely sorted! That sounds idyllic, EE
    Retired August 2016
    • EatingTheElephant
    • By EatingTheElephant 12th Aug 18, 7:48 AM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    Thank you KarmaCat, what a lovely compliment

    I do have the outline of a cunning future plan developing!

    For now though back to present day planning. Iíve been told the extension will start next Monday, so we had better shift everything out of the conservatory today. Also busy with year end accounts paperwork.

    Whilst we have a digger for the extension foundations we are going to use it to extend some hard standing up the field which should make it much easier this winter. I do need to do a detailed plan for this too and it will mean more fencing - I thought we wouldnít need to do any more fencing for ages

    Plus lots of wet dog walks!
    • EatingTheElephant
    • By EatingTheElephant 18th Aug 18, 7:06 AM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    Just read my last post about what I planned to do last weekend and most of it still needs doing, we werenít lazing around much either so I guess I was overly optimistic with my time again!

    All tasks are progressing but still need completing. Iíve only really got today to do them as we are off on a doggy road trip again tomorrow.

    Iíve received news this week that the big work contract is to continue until mid-November. Which is good news for keeping the pennies coming in.
    • julicorn
    • By julicorn 18th Aug 18, 7:51 AM
    • 283 Posts
    • 1,148 Thanks
    julicorn
    That's great news on the contract continuing!

    And I feel you on the 'in progress, but not yet finished' tasks - I've got a few of those to attack over the following week.
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Current: £191,400
    • EatingTheElephant
    • By EatingTheElephant 18th Aug 18, 8:14 AM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    Thanks julicorn, I really do need to get a couple of them ticked off the list this weekend.

    Fingers crossed for your tasks too

    Just having a cup of tea after shuffling the washing. A load is now on the line but itís looking decidedly iffy on the weather front!
    • Karmacat
    • By Karmacat 18th Aug 18, 11:58 AM
    • 29,741 Posts
    • 171,495 Thanks
    Karmacat
    Update on the list, please
    Retired August 2016
    • EatingTheElephant
    • By EatingTheElephant 18th Aug 18, 12:08 PM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    Itís going well thank you KarmaCat

    I have 2 out of 3 of the months completed and just starting work on the third. Also messaged a friend - something Iíve been meaning to do for a while,

    I will need to get out and walk the dogs soon though as my eyes are getting very tired!
    • EatingTheElephant
    • By EatingTheElephant 25th Aug 18, 6:47 AM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    What a week!!

    Things may have to get hardcore at Elephant Towers. Old faithful 4x4 was finally laid to rest, so lots of money now spent on replacement newer model.
    Luckily we had the cash available, however it was meant for the extension

    There will need to be a lot juggling and worse case a small loan, but I would really like to try and get to the stage where it is signed off by the planning department as started without borrowing anything.

    Apparently the builders are turning up Tuesday to start the extension - I wonít believe it until I see it at this point.

    Iím getting through my list, this weekend will be another busy one, with the added task of going to collect new 4x4 which is about 2hrs away.

    Birthday meal for DD1 at home tomorrow and some emergency fencing needed up the stables due to neighbouring field cutting back the hedge so that there is now a gap - first job for new 4x4!

    VAT return needs to be completed and I need to double check if the cc I recently took out is 0%. That is not what I took it out for, as I pay it off in total each month, but maybe if it is that will help with my juggling antics that are coming up. Also a couple dog events and the usual catching up with ironing.

    Iíve also discovered a pear tree in our front drive with lots of pears on it, Iím sure I wouldíve noticed last year if it had pears on it, so not sure what has happened there. I hope they taste good!
    • EatingTheElephant
    • By EatingTheElephant 26th Aug 18, 8:08 AM
    • 1,331 Posts
    • 7,259 Thanks
    EatingTheElephant
    Such a tiring day yesterday, but the new 4x4 is now home. Itís much bigger than the last one and has fancy mod cons like electric windows

    It seems more economical on fuel than I thought too. We didnít take out the alloy insurance the salesman tried to sell us, it is going in the field today after all!

    Another point for pupster too yesterday, so a successful day all round

    Plans for today include ironing, vat return, fencing, collecting sofa for DD and yummy fajitas for birthday tea.
    • greent
    • By greent 26th Aug 18, 8:57 AM
    • 7,340 Posts
    • 74,429 Thanks
    greent
    Happy Birthday to your DD for yesterday - hope the fajitas were yum!

    Enjoy the new vehicle
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
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