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    • PurpleFairy26
    • By PurpleFairy26 1st Apr 16, 9:34 PM
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    PurpleFairy26
    Extending our house without extending ourselves beyond our means
    • #1
    • 1st Apr 16, 9:34 PM
    Extending our house without extending ourselves beyond our means 1st Apr 16 at 9:34 PM
    I, like many, have been so inspired by many others diaries (crazy cat lady, Pippi, Brizzle ) to name but a few. I thought it was time to start my own. I need somewhere to chart my progress. I often post on the small things thread on DFW which keeps me on the straight and narrow but I often have other ramblings beyond that and so I thought here would be a good place.

    So what is my goal? Well our first aim is to pay off the last of our debt. We've done it before but our focus was different so we slipped in to some old ways (and some other more definite life choices) meant we had some debt. In May last year I started tracking agin and in September I upped the game, making every penny to overpayment and enjoying the balance go down on my spreadsheet.

    The start of 2016 saw us in a good place, although still a chunk to go, we have already cleared another 25% so far in 2016 and today I cleared one card entirely we have a plan, a budget and are sticking to it. We want to build an extension this year too, which will see our mortgage go up rather than down in the short term, but again it's all part of the master plan and our aim will then be to overpay that until it's gone

    So this diary will hopefully keep me on the straight and narrow, allow me to track my progress (along with my trusty spreadsheets!!) and give me a space for my ramblings when my head is working overtime (something that happens often )

    So pull up a pew, grab a or your tipple of choice you're more than welcome to join me
Page 24
    • PurpleFairy26
    • By PurpleFairy26 25th Mar 18, 5:36 AM
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    PurpleFairy26
    So up early which wasn't the plan, hoping to get a few jobs done in the next half an hour and then a small nap before the smalls get up.

    We're having new windows (again), long story.... tomorrow and Tuesday. Can't wait to see them then sparkie finally coming on Wednesday to do all new lights upstairs. DH finished all staining this weekend, just a small amount of painting to do and we're good to go

    Went to the Swedish shop yesterday and just bought the unit we wanted did take loads of photos of other things that would be useful but not a deal breaker, will reflect on them and think about best options.

    Weather looks set fair today so will be pegging out, one of my favourite activities

    Family over for lunch, so need to get some prep done and vacuum the stairs before they're here. Need to get in the spare room too and move some stuff around so workmen can get to window tomorrow. Hoping to find some gems to go on fleabay as haven't listed any yet this year and I really want to both get rid of some stuff and obviously make a few quid

    I've negotiated one of our subscriptions that was due to go up by about 5 a month and mitigated that and reduced it by another 20 updated my sheet I've also put in ct increase.

    Ran first 5k this week since injury, had to stop a few times but it was more the mental step of doing it. Need to keep it up, really busy week at work so must make sure I make time to go to maintain the balance.

    4 days till pay day and bank accounts look poor, but nothing due out either. Hoping for no spends other than milk. Here's hoping.
    • PurpleFairy26
    • By PurpleFairy26 30th Mar 18, 6:45 PM
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    PurpleFairy26
    Ended the month with 79p in the account was hoping for so much more, but a) we weren't overdrawn and b) the spend of what I though could be LPDF went some other, (fairly) non avoidable costs. So whilst we didn't cover ourselves in glory in March, it could have been worse.

    Small shop today using nectar points and bought an egg using a discounted voucher I bought earlier in the month. Need tyres for DH car, not cheap but have money in piggy. Possibly enough left to make an overpayment to LPDF. DH also has done most hours at new job since he went ft, so will just overlay when this comes in rather than leave until end of the month.

    Made a quiche today and will make some biscuits in a minute to take on a picnic tomorrow. Maybe in the car picnic at this rate

    DH and I both used gym again today, definitely getting more than money's worth from membership. Will go again Sunday.

    Architect still awol will call builder next week and see if he knows where he's hiding

    Had a 'discussion' with the carpet man whose refusing to replace the faulty carpet. So I raised a section 75 claim, which I told his wife, before I did it. They obviously don't talk as he called me saying he knew nothing about it and he wasn't happy with the tone of the letter the bank wrote, I explained that I neither wrote the letter and I didn't like the tone of my now, two tone carpet either

    Electrician didn't turn up and said he'd been kept on another job when I called. How difficult is it. If he doe st come back to me thx week, I'll call someone else. It's been 7 weeks, which I think is long enough.

    Wet and miserable here now, hope it brightens up tomorrow.
    • PurpleFairy26
    • By PurpleFairy26 3rd Apr 18, 5:07 AM
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    PurpleFairy26
    We've had a lovely weekend, mixture of family time, friends time, outdoor time and some house stuff so a really good balance. Not spendy either, just coffee and cake treat on Saturday which out of 4 days isn't bad.

    Been researching some stocks and shares isa and think I've come to a decision, just need to discuss with DH and also do a budget based on this and planned other investments to see where it leaves us. Also want to talk to DH about his pension and whether we should transfer it so we're not quite so passive in its management

    I've managed to list 2 things on fleabay, well gotta start somewhere but spent big chunk of yesterday sorting out dds clothes, eldest has so much in next sizes that has been gifted, I'm really not sure I'll need to buy anything and smallest has the hand me downs so win, win. Have a big box to label for a charity sale this weekend. Hoping for some profits to go to LPDF.

    Hopefully DH will be paid today, if so will top up some pots that are looking a bit lower than I would as he should be getting some ot. Will also look at an overpayment to loan too depending on how much it is.

    Freezer is full, so this weeks meal plan will be about using what's in there as a starting point. Currently have 5 things on shopping list, all fresh really would rather not go today but not sure where else in the week I'll fit it in if I don't.

    Hoping DH will cancel his car insurance today so we can move provider and save 200. Savings for this will be going to LPDF
    • mfmaybe
    • By mfmaybe 3rd Apr 18, 12:28 PM
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    mfmaybe
    All sounding good and very organised PF.

    Remind me of LPDF?
    BTL Overpayments since 20/4 5.90

    AFD May 12/15 NSD May 9/10

    Other debts paid since 1/1/14: 17,005
    • brizzlegirl
    • By brizzlegirl 4th Apr 18, 9:09 AM
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    brizzlegirl
    All very productive. Especially the clothes sort out. Glad you a;re able to run again too
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March 13% April ] Income Goal 56/750 May Goals: AFDs xx/15; Declutter 60 items xx/60; LSDs xx/10; NSDs xx/10 Exercise xx/30 Aiming to be a true Frugalista!
    • foxgloves
    • By foxgloves 4th Apr 18, 11:45 AM
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    foxgloves
    Hi PurpleFairy!
    Been reading some of your diary - I reckon this house is going to look awesome when it's finished!
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 716-58
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 244
    • brizzlegirl
    • By brizzlegirl 5th Apr 18, 8:46 AM
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    brizzlegirl
    Hope you managed another run. Think we are going on a long family walk today so that will be exercise session 4 for me for me this month
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March 13% April ] Income Goal 56/750 May Goals: AFDs xx/15; Declutter 60 items xx/60; LSDs xx/10; NSDs xx/10 Exercise xx/30 Aiming to be a true Frugalista!
    • PurpleFairy26
    • By PurpleFairy26 7th Apr 18, 11:50 AM
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    PurpleFairy26
    All sounding good and very organised PF.

    Remind me of LPDF?
    Originally posted by mfmaybe
    It's my loan pay down fund I must confess to stealing the term from foxgloves but anything extra I have I put to this to paydown the loan. We've currently paid 42% of the loan off in one year. Our LPDF has equated to just over the same amount as a repayments we have made so it's definitely been worth doing.
    • PurpleFairy26
    • By PurpleFairy26 8th Apr 18, 6:49 PM
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    PurpleFairy26
    Another busy weekend here, a few spends too but all planned and mindful and money in the right pot.

    DH and I both needed new trainers to run in. DH had been making do with a non specific pair and I have had my current ones for probably 5 years or more. So we ent back to the specialist running shop and got a pair each. Gulp, not cheap but price per wear is low and well worth it to save injury.

    We also bought a coat stand for the hall. Much considered purchase, paid for out of house pot. The end of our stair rail is now free and despite the stand also in the Hall, it looks so much bigger already. Just need to plan when we are going to paint the stairs now. I'm due to be off a few days this week, I might not take them all but if I do have a day, I might at least start sanding.

    I'm really keen to use some stuff in freezer and eat from home first to keep food spends down. I'm finally seeing some space. I used some Parmesan and anchovies from there today and DH and I ate a granola square each earlier. Dd has got a slice of quiche from freezer for lunch box tomorrow. Items in there will feature heavily on this weeks meal plan.

    I've made one sourdough and have another on first prove, this one will go in freezer now we have space

    I cleaned the microwave today too. I used half a lemon that had seen better days first and it was surprisingly easy like a new pin, considering it's 18 years old it looks surprisingly modern and whilst we don't use it regularly there is no point getting rid whilst its still working.

    In my continued bid to use less plastic I've bought a reusable sandwich wrap, which is really good. will buy a couple more when funds allow. I've been thinking of other ways to reduce plastic use. So today I dug out my yogurt maker and pot and will make it at home (using live yogurt and UHT milk) and the portion it out into reusable pots.

    Managed a run outside yesterday (time poor) and a run and some other stuff at the gym today

    Small back to school tomorrow, where did that go

    Electrician coming tomorrow too progress all roud it feels (apart from awol architect) will research submitting plans ourselves.
    Last edited by PurpleFairy26; 08-04-2018 at 6:54 PM.
    • PurpleFairy26
    • By PurpleFairy26 9th Apr 18, 8:35 PM
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    PurpleFairy26
    The electrician turned up when he said he would we now have 10 working lights upstairs and I can see in our bedroom after dusk for the first time in 3 years he has a bit to finish tomorrow but all good and efficient. When we've saved some more we'll get him back for a couple of better placed sockets and earth the last 3 lights and replace the kitchen lights. But all in due course.

    Also called the carpet shop and have a date for carpet so I can now plan to order the furniture I also intend to swap my days off around so I can have a day or so off after the carpet is down to get the room straight once and for all.

    More eating from what we have, chicken saltimoboca (sp) using Christmas palma ham that had been frozen and frozen mozzarella.

    Used a different recipe for sourdough and it's come up quite big, hope it tastes ok

    Have my first portion of yogurt making currently. Will check it before bed.

    Happy days
    • foxgloves
    • By foxgloves 10th Apr 18, 7:17 PM
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    foxgloves
    Oooh, PurpleFairy....you've reminded me I own a yoghurt maker thingy. V low tech, but it used to make nice yoghurt. Must excavate it from depths of cupboard & think about having another go. Glad you're getting on well with the sourdough baking. I am still making one every week, also a normal yeasted wholemeal loaf & a batch of cobs every fortnight. But I've also tightened up my healthy eating & made sure I know how many calories per gram!
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 716-58
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 244
    • PurpleFairy26
    • By PurpleFairy26 14th Apr 18, 8:18 AM
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    PurpleFairy26
    So yogurt tastes nice, if a bit runny, so will work on that. Spends under control this week

    Lights have been done and looking fab and have a date for our carpet fit. I feel progress happening

    Need to look at how long delivery of furniture will take so I can hopefully get it delivered for when carpet is done so we can get sorted. Really want to book the day after off work to get sorted but have 2 meetings already in I can't move. It'll get done anyway, I'm just a bit impatient after this time.

    I've sold my first item on fleabay in a while, must list more. I have a full bag to list. Money to LPDF, albeit small but all helps

    Continuing to eat from freezer and see some space in there. When we have the extension, in the short term 2 of our 3 (don't judge me ) freezers will not be available in the short term so I need to start to get used to just the one

    Really must eat the frog on Monday and call the builder. Not sure why I'm procrastinating!

    Gym and exercising going well, will do some more this weekend and keep the faith
    • foxgloves
    • By foxgloves 14th Apr 18, 8:39 AM
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    foxgloves
    Purps - I need to eat about 3 frogs on Monday too! Why DO we put this stuff off?
    All my little ebay sales go straight to our LPDF too. I sold another magaxine this week & another small item sold overnight. Glad I decided to list it as it nearly went in the bin, but it was a manual for an appliance & I thought there might be someone out there who may have picked up that appliance 2nd hand without the manual, so gave it a go & it sold on its 2nd listing.
    You are so busy with your house plans. We need major work doing but it will have to wait till I dig up a treasure chest in the garden.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 716-58
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 244
    • PurpleFairy26
    • By PurpleFairy26 16th Apr 18, 7:17 PM
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    PurpleFairy26
    So I ate the frog and called the builder. Got VM! I'm sure he'll call back at a time I can't talk but at least I've called. I'm working from home next Monday so I'll call him again then if I've not heard. Messaged architect on the off chance but no response.

    Investigated submitted ourselves, doesn't look too bad and I'm sure I can google some of the jargon if needs be

    Managed to get to mr t at the right time yesterday and I got some fruit pies, donuts and croissants for silly prices. All but donuts stashed in freezer

    Tonight's tea is chicken curry using the sauce that came with my takeaway on Friday I didn't eat.

    Furniture in basket online, just need to double check with hubby and then get a discounted voucher from work and I'll purchase.

    Did a HIIT workout at home today watching utube on tv. Happy days for days when I can't make the gym and short on time.

    Washed and dried 4 loads of washing today and another one will be on overnight and I'll be up to date. Smells lovely. Lots of windows opened today whilst wfh too

    I really could do with some new causal shoes, my c0nverse have a hole in the sole but are just about wearable other than that it's flip flops and good recommendations for something in the middle?
    • PurpleFairy26
    • By PurpleFairy26 16th Apr 18, 8:32 PM
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    PurpleFairy26
    So the frog called back think we may have found us a builder and submitted the plans
    • brizzlegirl
    • By brizzlegirl 17th Apr 18, 5:57 PM
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    brizzlegirl
    Ooh how exciting!! Thats amazing. GO TEAM PF!!

    Casual shoes...thats a tricky one. Currently I am living in Brooks trainers as they help my dodgy hip. I also have a pair of Campers but honestly you cant beat flip flops in all Spring and Summer weathers and as you say Converse of course x
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March 13% April ] Income Goal 56/750 May Goals: AFDs xx/15; Declutter 60 items xx/60; LSDs xx/10; NSDs xx/10 Exercise xx/30 Aiming to be a true Frugalista!
    • mfmaybe
    • By mfmaybe 17th Apr 18, 9:39 PM
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    mfmaybe
    Hooray! Welcome to my world of nervous impatient finger tapping waiting!

    Re shoes - depends how in the middle you mean? My current favourites are Skechers Go Walk. Much as I love flipflops, I live a good bit further north than Brizzle so I like knowing my toes are covered. Can wear with socks or without.
    BTL Overpayments since 20/4 5.90

    AFD May 12/15 NSD May 9/10

    Other debts paid since 1/1/14: 17,005
    • brizzlegirl
    • By brizzlegirl 18th Apr 18, 6:45 PM
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    brizzlegirl
    Cmon MFM.. wheres your sense of adventure...Hebridean beaches and such were made for flip flops
    MFW..aiming to pay it off in 2022.. 2018 Savings Rate - Goal 25% [25.2% March 13% April ] Income Goal 56/750 May Goals: AFDs xx/15; Declutter 60 items xx/60; LSDs xx/10; NSDs xx/10 Exercise xx/30 Aiming to be a true Frugalista!
    • mfmaybe
    • By mfmaybe 19th Apr 18, 12:54 PM
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    mfmaybe
    Cmon MFM.. wheres your sense of adventure...Hebridean beaches and such were made for flip flops
    Originally posted by brizzlegirl
    Yeah, but don't paint your toenails blue as you won't tell where your toe ends and the nailpolish starts. Brrrrrr......
    BTL Overpayments since 20/4 5.90

    AFD May 12/15 NSD May 9/10

    Other debts paid since 1/1/14: 17,005
    • PurpleFairy26
    • By PurpleFairy26 21st Apr 18, 7:06 PM
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    • 14,610 Thanks
    PurpleFairy26
    Yeah, but don't paint your toenails blue as you won't tell where your toe ends and the nailpolish starts. Brrrrrr......
    Originally posted by mfmaybe
    That made me laugh mfmaybe

    I somehow ended up in a shoe shop on a break from a work activity. I did try some shoes on but they were a bit small so put them back and pennies in my purse. Has given me a few ideas though so have been looking online.

    DH washed both cars today, lovely and shiny. We found some wheel cleaner whilst sorting out garage. Used that up. I used some weed killer spray that I found in garage too. Some more for another day.

    Cooked up another sourdough, currently baking, smells lovely. Small shop only today, hoping to stretch that until payday on Friday. Weather fab and managed some more exercise today.

    Good all round.
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