Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • PurpleFairy26
    • By PurpleFairy26 1st Apr 16, 9:34 PM
    • 2,164Posts
    • 14,644Thanks
    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 25
    • brizzlegirl
    • By brizzlegirl 24th Apr 18, 6:39 PM
    • 219 Posts
    • 1,304 Thanks
    Ooh sourdough.. tried to sort a mother or starter but left it too long and it died and smelt horrid. Must start again.

    I think I have too many shoes so may do a clear out. Can!!!8217;t find my trusty flip flops though so will be in the market. I may try TCB or else see what there is on the Bay

    MFM.. hope youre all good 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!
    • PurpleFairy26
    • By PurpleFairy26 27th Apr 18, 10:32 PM
    • 2,164 Posts
    • 14,644 Thanks
    Definitely get a starter back up and running Brizzle I procrastinated for ages and it was much easier than I thought. Ha, ha, probably put the kiss of death on it and kill it now. I've fed it tonight so make a loaf tomorrow.

    Payday today, so money shuffle done and pots topped up. Have looked at next couple of months and put a couple of pots amounts up for a couple of months. To date I've put a flat amount in and if I have spent more had to fund it from normal spends. But hoping to be a bit more proactive to top them up at different times.

    In house news, we've had carpet in our bedroom. It's amazing. Simple things. We have new furniture, 3 plus a carcass built. 1 filled. 1 more and 4 drawers to go. Can't wait to liberate the boxes (we'll fill them with stuff out the spare room) hoping to have that room stripped by end may as soon as I get in there for the day I'll call the plasterer to give us a date to fix on.

    Must make sorting new mortgage (well updated one) a priority next week.

    Not managed the gym this week since Sunday. Although got a really decent walk in Thursday, will make going tomorrow and Sunday a priority and maybe Monday too.

    Planted some fruit trees in garden and other things I bought. Hope the raspberries aren't passed their best. Only one has leaves. Will keep an eye on them and feed them this weekend, I think I can use what I put on the blueberries.
    • PurpleFairy26
    • By PurpleFairy26 28th Apr 18, 9:56 PM
    • 2,164 Posts
    • 14,644 Thanks
    Rest of furniture is made and all boxes emptied

    It looks totes smart dug our a frame from our 'box of frames' we've accumulated over the years. It's very pretty. Will order a print to go in it but looks nice on the furniture. Have a picture in the loft that I would like up too. I'll get it next time I go up. Shopping from home, Foxgloves style

    Went through the sole of my converse and got wet feet today. Makes shoe situation more pressing

    Made another 20 overpayment to LPDF. 3k paid off in overpayments in a year

    Kneaded sourdough ready to bake tomorrow and done a big shop. Will batch cook lots tomorrow.
    • PurpleFairy26
    • By PurpleFairy26 3rd May 18, 1:08 PM
    • 2,164 Posts
    • 14,644 Thanks
    So it's nearly the weekend again (and a long one to boot) managed to keep the new room tidy for a whole week ok the spare room looks like a junk shop, but it's all progress.

    Spent considerable time on the phone today to mortgage peeps to try and sort new mortgage. They've taken some more details and will hopefully call me back tomorrow. Hopefully enough time to get it all lined up before August when we move to svr.

    This weekend aiming for a mix of gardening, house jobs and quality family time. Want to meal plan for next week so I can work out what meals we might eat this weekend so I can go tomorrow night and not have to fight the supermarket at the weekend.

    No news on planning permission but it's up on the council portal and the 8 weeks is ticking

    Want to do some exercise today, going for a long walk later, might do a HiIt session before I pick smalls up from school.

    Need to do some work at some point but not feeling very inspired. Hmm. Maybe get off the Internet would be a start
    • PurpleFairy26
    • By PurpleFairy26 12th May 18, 3:52 PM
    • 2,164 Posts
    • 14,644 Thanks
    Happy Saturday peeps

    Busy week but all good. Have been running more or less every other day and managed my first ever 8km without stopping. I know it's not impressive to lots, but to me it was a huge psychological step. Want to run today but DH has taken himself to bed as he's so tired after a busy week. Will hopefully go when he gets up.

    Managed to get in the spare room last weekend and tidy lots and move a piece of furniture downstairs. I've got a big bag for selling and another for charity shop. Just need to list some things now for sale at least I can get in there now.

    I've booked 3 days of work next week, hoping to strip the wallpaper one of the days, or some of it at least.

    Managed to tidy the garden last week and DH mowed both lawns. Looks much better. Really must get my potatoes planted at some point this weekend. At last the 5 trees have taken and all but one of the raspberry canes. I still have hope for the 6th. Blueberry bushes have loads of flowers on them so I am hopeful, given how expensive soft fruit is and how much we get through

    Have managed 4 loads of washing today, including 2 sets of bedding. Hoping it'll all dry. Last week I washed all the children's winter goats and hats and gloves. Will do mine and DH coats when we next get a good day and then put them all in the loft.

    Need to ring mortgage people again now DH and I have had a good chat. Fingers crossed they come back soon. Purps.
    • 1LuckyLady
    • By 1LuckyLady 12th May 18, 9:00 PM
    • 803 Posts
    • 7,477 Thanks
    I bet the winter "goats" keep the kids nice and warm PF
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • PurpleFairy26
    • By PurpleFairy26 13th May 18, 4:31 AM
    • 2,164 Posts
    • 14,644 Thanks
    I bet the winter "goats" keep the kids nice and warm PF
    Originally posted by 1LuckyLady
    they weren't too keen about being pegged on the line though
    • crazy_cat_lady
    • By crazy_cat_lady 13th May 18, 8:07 AM
    • 3,512 Posts
    • 30,069 Thanks
    PF - hope you're feeling ok today. I see the time of your last post and suspect that you haven't slept well...
    DFD 6 Nov 15 - paid 28,447
    • brizzlegirl
    • By brizzlegirl 13th May 18, 8:45 AM
    • 219 Posts
    • 1,304 Thanks
    Hi PF

    Hoping alls OK. Trying to drag myself out to a class now...but late night last night and its a tough decision.

    How was the sourdough? All the house stuff sounds amazing. Well done.

    Brizzle 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!
    • PurpleFairy26
    • By PurpleFairy26 17th May 18, 11:56 AM
    • 2,164 Posts
    • 14,644 Thanks
    Unfortunately the last sourdough I made didn't look great as it overproved but it was the very warm bh weekend. Must feed starter today as I didn't make one last weekend as I'm trying to be really good with my food and knew I would be tempted if I made it. That said, I've on,y had the tiniest sliver of chocolate and beetroot cake I made on Monday, which is a record for me

    The planning website was showing our application as invalid on Monday swift text to the architect, it's now showing as non valid, which I assume is progress

    We got a mortgage fix through but I went back for another quote which I should hopefully have today, can then discuss with hubby and hopefully have solved over the weekend. Which would be nice not to have to think about until August when current deal ends.

    Very quiet on the rest of things, busy doing other stuff. DH and I are both running lots which is good for fitness and our general health. I've done another 7km today, which takes me to 46.1km in May , with about another 40 scheduled based on my current training plan before 31st

    Bank account looks ok and only 1 week until payday, famous last words DH work have agreed to pay him 4 weekly which is good for us from a budgeting perspective as we budget 4 weekly from my payday to the next so it means we don't have to do a budget cycle without his pay.
    • foxgloves
    • By foxgloves 17th May 18, 8:21 PM
    • 4,036 Posts
    • 20,782 Thanks
    Surprising just how much the ambient temperature affects sourdough baking. I upped my recipe to a 500g mixture in the winter as it was struggling to rise as much as I like for the size of tin. I'm back down to 400g size of mixture now & mixing it early evening & baking first thing the next morning, & it's really rising well overnight. I'm using half wholemeal & half white flour at the moment & we're enjoying our lovely toast 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 = 800-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 244
    • PurpleFairy26
    • By PurpleFairy26 22nd May 18, 5:04 AM
    • 2,164 Posts
    • 14,644 Thanks
    So the neighbours have had a letter from the planning department so things are moving cue me checking the portal daily to see no progress at all

    We have a second mortgage deal on the table from the broker, seems sensible just need to fund some time to sit and talk to DH when we are not like ships passing in the night

    3 days until pay day and we'll just about hang on, there won't be much in the overpayment pot (on top of what I've already overpaid) this month for the LPDF. We went to the wholesalers at the weekend for our 2 monthly or so shop which accounted for some of it, although stores are nicely stocked on the back of it.

    Next aim is working through 1 of the freezers, must update freezer inventory and then can meal plan from there for the next couple of weeks and be really strict and plan to just buy fresh stuff only

    Runs up to 59.7km on the month to date very pleased with that, hoping to go to the gym later too today am going to take my bag with me. No run, but will do some weights and hopefully a sit in the steam room

    The 6th raspberry cane has grown leaves I've loads of flowers on my blueberries which are showing signs of turning in to fruit unfortunately the 2 tomatoes have not done much, will have to see if a weeks worth of tlc will bring them round.

    Need to start writing a holiday list so I can be prepared and not be rushing round last minute for things. 8 weeks and counting
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,469Posts Today

7,129Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line?

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin