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@.

Search
  • FIRST POST
    • VintageHistorian
    • By VintageHistorian 1st Jan 17, 10:04 AM
    • 366Posts
    • 2,314Thanks
    VintageHistorian
    Bricks Not Books
    • #1
    • 1st Jan 17, 10:04 AM
    Bricks Not Books 1st Jan 17 at 10:04 AM
    The first day of a New Year seems like the best time to start this diary! I was on this board under another name for a number of years, but I felt like a change of name as well as a change of diary, so here I am!

    Completed on new home with OH in December, we haven't even owned it for a month yet. But we have a mortgage of 160k and we both hate being in debt, so we've already made plans to start overpaying. OH isn't in the best paid job (Civil Service) and I'm on a temporary contract, albeit with a manager who is keen to keep me on, but I hate the uncertainty of it. So I'm definitely going to be job hunting, and he will be too in coming months.

    Mr VH has never lived away from home before. I moved away at university, moved back after graduation, moved out a few years later and spent 4 years as a lodger in a flat in London with a lovely couple, and then moved back with parents again. I've spent over a year sleeping on a sofa there as what was meant to be "temporary while we look for a place to rent" turned in to "let's buy a house together". Had a bit of a nightmare with the purchase, and we're still not actually in the house properly as it needs some work done on it. We've got a 5 year fix from Halifax at 2.74%, with monthly payments that are affordable. As we've never owned property before and it's been years since I had to work out budgets for bills (been paying all-inclusive rent at London and with parents) we decided to err on the side of caution. We set ourselves a realistic amount for repaying the mortage each month, and the one we eventually got came in 30 under that amount. So we're already going to OP 30 as our budget allows us that flexibility.

    But even though we're not under the roof yet we still have a mortgage to pay XD First payment comes out in 3 days time and then we're on the path to 29 years of a mortgage. I'm 31 and OH will be 30 in a few months, and this is our first home. Not a forever home, we don't have children yet but want them in the future and this place is just about big enough for small ones, but would be cramped for older children.

    Our house is currently going through some work due to years of being a student let, the last owners were intent on bleeding the place dry and then dumping it. We're going to look after this place, but it's taken up a lot of our savings. I've factored rebuilding the savings in to our budget, and also set up a spreadsheet to see the impact our OPs will have on the term, daily and monthly interest.

    So our targets to start with are;
    • Build an emergency fund of 1000
    • Match the budgeted 30 a month overpayment through wombling, discounts, roadkill, earning extra pennies, saving loose change, and Tilly Tidies, so well aim to be OPing over 60 a month.
    • Drop below the 155k mark by January 2017.
    • Enjoy living in our new home together

    Fun Numbers;
    - Without overpaying well go under 155k in May 2017.
    - With 60 a month OPing well go under 155k in February 2017 only need a little extra stretch to remove that last month!
    - Without overpaying well drop under 11 daily interest in August 2020!
    - With 60 a month OPing well drop under 11 daily interest in February 2020.
    - Without overpaying well take 29 years to pay off the mortgage.
    - With 60 a month OPing well take 25 years to pay off the mortgage!
    - In order to pay it off in 20 years wed need to OP 200 a month.
    - If we OP by the monthly interest (c. 320 a month) wed pay it all off in16 years!

    I think well stick with 60 for now XD

    And as for the diary title - between me and OH we practically own a library Need to cut back on paper purchases in favour of paying off more of the house!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - 594.33 | Lose 1 stone - 0/14lbs |
Page 8
    • savingwannabe
    • By savingwannabe 1st Apr 18, 2:46 PM
    • 13,516 Posts
    • 46,976 Thanks
    savingwannabe
    Happy Easter. Well done on doing laundry. Your blog sounds fascinating. One of my best friends writes history books - hard work but great to research. That's her full time job so I don't know how you have time to do that after work. Gosh you do work hard.

    I ate my egg within Steve and Andy giving it to me. The worst bit is I'm supposed to be on a diet. lol.

    Happy Easter and enjoy the lie in tomorrow.
    Christmas Fund 41.00 (Dec 1st 2018)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • VintageHistorian
    • By VintageHistorian 5th Apr 18, 9:12 PM
    • 366 Posts
    • 2,314 Thanks
    VintageHistorian
    Hope you had a lovely Easter SW! I'm rationing my eggs so hopefully I won't need to buy much chocolate this month.

    I made the mistake of doing my Easter visits at the end. On Sunday we drove over to my parents for Sunday lunch. It was lovely to see everyone, Eldest Little Sister was back from university, and I met my brother's girlfriend. She's very nice, few years younger than him but definitely more mature. She also informed us that when she first met my brother he was "charming" First and last time anyone will describe my brother with that adjective.

    Then on Monday my in-laws came round. FIL and DH put the new skirting boards up in the office while I talked to MIL, and then we drove to a nice place for lunch.

    But we had to get up early-ish on Monday morning to be presentable when in-laws arrived, and me and DH didn't sleep very well Monday night, so I was already feeling very worn out by Tuesday afternoon. Should have had the visits on the first two days and the other two days to relax. In the end I asked my manager if I could work from home today as well as Friday and since it's so quiet she said yes.

    So this morning I had a small lie-in (until 8am) before starting work. I also managed to do some laundry and set it out to dry in the sunshine, and went for a walk at lunchtime. After I logged off for the day I then unpacked and photographed every single piece of wedding china, so I can list it all as one big lot on Facebook, and then repacked it in some cardboard boxes so the plastic ones can go back to my parents. Glad it's all sorted out, now just need to sell it.

    Just sat down and did a money shuffle. Almost got enough saved for the car's cambelt so that's a positive. Sent an OP of 65.29 - our standard 30 plus 35.29 from Quidco. Just need my expenses from work to be paid and that will be it for this month. Car needs to be my focus instead.

    Oh and I've bought a desk from Argos. I've had my eye on a lovely one at IKEA but it was just too expensive in the end. Got a corner one from Argos with 20% off as they're having a home furnishings sale. Just need to finish off the skirting board and get a new carpet put in and then the desk can be assembled. Then I'll finally be able to unpack all my boxes And God help me if I don't unpack them all as I think DH might get a bit sarcastic!

    Have a lovely weekend everyone!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - 594.33 | Lose 1 stone - 0/14lbs |
    • savingwannabe
    • By savingwannabe 6th Apr 18, 4:44 AM
    • 13,516 Posts
    • 46,976 Thanks
    savingwannabe
    Good morning, your family sounds great. Sorry it wore you out though. It is so difficult managing to balance it all. It sounds like a good idea to change the timing of it for next year though.

    lt's good that you have started the photos and selling of the china. Do remember to keep a piece of the special day. Great news on the OP.

    I wouldn't even know where to start to put a desk together. That's when you call your friends in. Get on the phone girlfriend.

    Have a good Friday. I'm marking all day.
    Christmas Fund 41.00 (Dec 1st 2018)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • VintageHistorian
    • By VintageHistorian 8th Apr 18, 3:52 PM
    • 366 Posts
    • 2,314 Thanks
    VintageHistorian
    We've got two of the full sets my MIL managed to collect for our wedding day SW, and I've kept aside a few extra cake plates with a nice pattern and two cake stands. Looking forward to doing some kind of anniversary afternoon tea in the future

    No interest so far in the china, but I live in hope. If necessary I'll sign back up to some Facebook selling boards near my parent's place and list them there.

    Desk has arrived, at 20:50 on Friday! Argos were using Yodel and we were second from last on the delivery list. So good that it's arrived but did mean I had to stay in all day Friday. They didn't give me an estimated time but did tell me how many people were in front of me. However the number wasn't moving down at a particularly steady rate so I couldn't work out when the most likely time for delivery was, if they'd said we were nearly last I could have gone out.

    But nevermind, me and DH had to go out yesterday anyway. So we went to Homebase for some masonary nails and white paint, to a carpet shop to buy carpet and book a fitting (in 2 weeks time, so the office is now almost finished), and then Mr W and Mr T for food. As usual with me taking DH the food shopping came in well over budget due to extra things being added to the trolley, but he paid for the slightly more expensive shop so I'm not complaining too loudly. He also paid for the carpet and fitting in one go so I've transferred my share to him this afternoon.

    Once the carpet is down then the desk can be assembled, and then I can start setting up my little office corner! Must remember to buy some shelving quickly too as I have a lot of folders that need to be stowed away safely. DH also needs to get his bookcases brought over from his parents place so he can unpack the remainder of his books. Then we just have the smallest bedroom to do, and to consider if there's any cheap/easy changes we can make to the kitchen to improve it a bit.

    Nice easy dinner yesterday of pizza, and tonight is steak baguettes (with some extra chips for DH).

    Have a good week everyone!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - 594.33 | Lose 1 stone - 0/14lbs |
    • savingwannabe
    • By savingwannabe 9th Apr 18, 9:53 AM
    • 13,516 Posts
    • 46,976 Thanks
    savingwannabe
    Hurrah for new office. Gosh you have such busy weekends. I feel so lazy in comparison. I am sure the lovely porcelain will be sold eventually - summer is the best time for weddings so when you relist it will sell for sure.

    Just think in a few weeks it'll be sunny and bright and we can all sit in our gardens. Your food always sounds great. Yum. Have a good week my friend.
    Christmas Fund 41.00 (Dec 1st 2018)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • VintageHistorian
    • By VintageHistorian 29th Apr 18, 8:49 PM
    • 366 Posts
    • 2,314 Thanks
    VintageHistorian
    I'm back! Had our lovely anniversary holiday to Disneyland Paris! It was really nice, although sadly I learned that rollercoasters with loop-the-loops now make me travel sick Never used to be like that! Growing up is no fun. So we went on Pirates of the Caribbean a lot, and It's a Small World several times, and squeezed in other rides in between. We also came back with some Euros left so I need to get mine swapped back to this week.

    We left my car at my parent's place as my Dad drove us to the station for the train to King's Cross. Much easier than going from our house. But after a few days on the drive my brother noticed my car had a flat tyre Turns out it was a slow puncture from a screw in it. Was worried I would have to pay for a new tyre as I only got that one replaced in the summer and it was a Goodyear so bloody expensive. But the tyre place took a look yesterday and managed to get the screw out and patch up the tyre, so no need to pay for a replacement yet.

    Still an expensive month this month though as car needs it's 60k service, I've bitten the bullet and booked it in for Friday.

    And in other news my expenses for work were paid while we were away, and DH got a full refund for a cancelled train in February, so I made an additional OP of 65.92. That makes April's total 131.21

    Leftover holiday money will be going on the car so we'll see what May brings with OP cash! Back to work tomorrow, I don't want to go

    Have a good week everyone!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - 594.33 | Lose 1 stone - 0/14lbs |
    • VintageHistorian
    • By VintageHistorian 7th May 18, 8:34 PM
    • 366 Posts
    • 2,314 Thanks
    VintageHistorian
    What a lovely bank holiday weekend. I have not been particularly productive

    Saturday our town had a "sale trail", basically for 5 you could be included in a map of the area advertising that you would be selling stuff outside your house that day. Like an American yard sale, but more organised and with the 5 payments going to the Mayor's Fund for use in future charity events. So I went for a walk in the morning and ended up buying a DVD (Bridget Jones' Baby) for 10p (not a typo) and a strawberry plant for 2. Was hoping someone would have tomato plants but no such luck.

    Yesterday I spent the morning cleaning out my old PC tower (once I worked out how to take the side off) as it's been sitting gathering dust for near three years and I didn't want to switch it on without attempting to clean the fan. Had none of the tools recommended on the Youtube video I saw but I improvised and managed to get the worst of the dust off. Then connected it all up (completely forgot what the monitor cable looked like and thought it was an old laptop charger, glad I didn't throw it away!) and switched it. Had to update a lot of things but it's working, which means I now have a full working copy of Microsoft Office at my fingertips!

    Today I did a bit of history blog scheduling and spent the afternoon playing on the computer. DH mowed the lawn and checked my tyre pressure, so that's all fine.

    Car had it's 60k service on Friday and boy is it going to cost me 150 for the full service, plus they confirmed that the cambelt needs doing (not surprising and have the money saved). They also found that the brake pads and discs are very worn and won't make the next MOT. So expensive cambelt is booked for the end of May (can't remember if it's 350 or 450 but either way, it's costly), and pads and discs booked for the beginning of June when I've next been paid. They also found an oil leak, but it's only small and fixing it would involve removing the clutch and gearbox to get to it Since it's only a little leak I just have to remember to keep an eye on the oil level and top it up. Removing all that would be very expensive.

    No real plans for this month. Did want to try and visit a few places in the local area but with the car needing work I don't want to push my luck and drive too much on top of what I already do. Might see about getting the train to Norwich with DH one Saturday.

    But at least I had the money saved up and set to one side for all this work, thank God for the planning I did back in January!

    Made an OP of 30.58 this evening, standard 30 plus a TT of 0.58, will need to get my thinking cap on for the rest of the month!

    Have a lovely week everyone!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - 594.33 | Lose 1 stone - 0/14lbs |
    • savingwannabe
    • By savingwannabe 7th May 18, 9:19 PM
    • 13,516 Posts
    • 46,976 Thanks
    savingwannabe
    OMG the weekend has been glorious even if I have been working for most of it at home. Your post deserves plenty of congratulations:

    A dvd for 10p????? Well done.

    The strawberry plants are a great investment and will grow every year, good on you.Car boots usually sell tomato plants at bargain prices. Having said that maybe a nice neighbour or work colleague can give you some tomato plants?

    I'm glad that you did some blogging too.

    Well done on TT and OP. All in all it's been a great weekend for you too.

    As for your work on the computer I am v impressed. You have saved some money there.

    The car sounds like it's going to be expensive though. I hope you have a good week and you can make the most of the fabulous weather.
    Christmas Fund 41.00 (Dec 1st 2018)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • VintageHistorian
    • By VintageHistorian 27th May 18, 11:44 AM
    • 366 Posts
    • 2,314 Thanks
    VintageHistorian
    Another Bank Holiday weekend and boy did I need it! Haven't been sleeping properly for the past few weeks and it was really catching up with me. I think it's because the brighter mornings are waking me up earlier. We have blinds and curtains in our bedroom but still a lot of light gets through, in winter I was sleeping until 10am on weekends when I was very tired, now I can barely get past 8:30! Not good when I'm getting up at 5:45 weekday mornings

    Expenses got paid last week so I moved 17.22 plus a TT of 5.31 to the mortgage. I just need another 7 to hit 60 this month and I've been fairly good about not spending this month so I should get that without a problem.

    Car has had it's cambelt replaced, came in under 400 so I'm happy with that. Got to go back for brake pads and discs on Friday, but that can come out of June's wages. Car tax comes out in July I think, and insurance in August, so I think my "holiday" savings will have to be put through as car savings for the next two months, just to keep the fund topped up. Not like me and DH are going anywhere until next April anyway (and we're not even sure where we'll go yet).

    Strawberry plant now has some companions, the other week me and DH went to the garden centre and I ended up buying two tomato plants, a cucumber plant, a red pepper plant, and a baby corn plant, and seeds for radishes and carrots. All potted up and placed outside and so far I'm remembering to water them. We'll see if any of them survive a summer under my not-so-green thumb!

    No real plans for this long weekend. We went up to a nature reserve yesterday for a walk around, which was very nice. Saw my first ever snake in the wild Pretty sure it was a grass snake but still hurried by very quickly lest it come back to see what me and Mr VH taste like

    Have a lovely long weekend everyone!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - 594.33 | Lose 1 stone - 0/14lbs |
    • savingwannabe
    • By savingwannabe 27th May 18, 5:18 PM
    • 13,516 Posts
    • 46,976 Thanks
    savingwannabe
    Well done on additions to the garden. Yuk to grass snake. I don't like them either. Gosh on the costs of the car. Glad it is sorted though.

    Have a lovely bank holiday. I am waiting for the sun to cool down as it's too warm to mow.
    Christmas Fund 41.00 (Dec 1st 2018)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • VintageHistorian
    • By VintageHistorian 13th Jun 18, 9:45 PM
    • 366 Posts
    • 2,314 Thanks
    VintageHistorian
    So I completely forgot to move 7 out of my account at the end of May So total OP for May was 53.11

    So far June is totalling 45.50, which is the 30 standard plus 2.87 from Quidco, 5.03 in TT, and 7.60 for a train refund for DH as one of his trains came in 40 minutes later the other week. I've also put in a claim for 20.25 in expenses so once work pay that we'll break the 60 mark for this month.

    July will be a big expenses month as I have to travel in to London for work at the end of June. 50 for a peak-time ticket (must be at the venue by 8:30am at the latest) plus around 4 for parking = expenses claim.

    I've had to take today as a sick day as I was feeling really run down and worn out. Been struggling to get to sleep recently and I might be coming down with DH's cold from last week. Either way I felt dreadful yesterday so left work early, woke up this morning and just felt so tired. But after a day dozing in bed I'm feeling brighter this evening, so I'll go back to the office tomorrow and then I work from home on Fridays so a few extra hours in the morning will help.

    Parents are visiting this weekend, still up in the air about whether any of my siblings will join them. Eldest little sister was a "maybe", youngest little sister is busy revising for her maths A-Level exams so she's said no, I assume my brother won't be coming unless the thought of a picnic tempts him out But it'll be nice to see at least some of them.

    Speaking of parents DH went back to his last week to pack up the last of his books. MIL arranged a man with a van to collect the boxes and the bookcases and then she and FIL drove DH up with the van following. The second bedroom now has two walls covered in bookcases and DH has unpacked all of his books, over a year after moving in Now we just need to unpack my boxes and then we'll be able to paint and carpet the smallest bedroom! Then it will be carpeting the stairs and hallway, and then we'll be done until we save up enough to get the kitchen or garden done. I suspect the smallest bedroom will be completed by...Christmas?

    Oh and this evening I've paid 150 for the TV licence so that I can watch the World Cup. DH doesn't think it's worth it, but we can also then watch the new Dr Who when it comes out, and I can watch next year's Eurovision

    Have a good weekend everyone!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - 594.33 | Lose 1 stone - 0/14lbs |
    • savingwannabe
    • By savingwannabe 14th Jun 18, 6:04 PM
    • 13,516 Posts
    • 46,976 Thanks
    savingwannabe
    I am so sorry you haven't been well. I hope you are better now. Glad your parents are coming down as hopefully they can help you out so you can recover properly.

    Fab news on all the books in the spare room. It'll feel like it's your personal room now full of your favourite books. You always make great OPs so well done, as usual!

    Gosh, I can't believe you have paid your TV licence in one go. I pay in instalments I don't think it costs any extra. I hope it doesn't as that's how I have always done it!

    Have a good weekend. I am going to try to rest as much as possible.
    Christmas Fund 41.00 (Dec 1st 2018)
    Reminder: I HAVE EVERYTHING I COULD WANT so SAVE!!!!
    • VintageHistorian
    • By VintageHistorian 19th Jul 18, 10:00 PM
    • 366 Posts
    • 2,314 Thanks
    VintageHistorian
    Oh dear, how did I manage to miss a whole month here? I seem to do that in the summer, I think it's because the heat makes me not want to do anything XD

    June's total OP was 67.91, which wasn't quite as much as I would have wanted. Paying the road tax and TV licence made me feel very poor even though the money for both was saved, so I was reluctant to OP more.

    July has also seen more spending. I had a week off which inevitably included a day out in Colchester. Treated myself to lunch out and bought some bits for my Christmas shoeboxes, and some cleaning bits DH wanted for the house. Also had an afternoon at the garden centre, no plant purchases but did have another lunch out as part of that. Also read a very large biography on Catherine the Great, and pottered around the house.

    Despite the spending July's OP will be large as I put in a very big expenses claim at work. Train ticket to London for our annual conference, and a bunch of office supplies, meant I ended up with 92 claimed in expenses. Already been paid out by work and transferred to the mortgage so I'm easily breaking the 60 mark this month.

    However after August I won't have any expenses to claim...as I've got a new job! Still doing comms and online content work. It's a 30 to 40 minute walk from the house, so I'll no longer have the hideous commute. I'm already excited about it. It's going to change so much for me that I keep worrying it'll all be snatched away at any moment. I applied and interviewed for it back in June and originally didn't get it. However during my week off one of the interview panel phoned and said they had created a second post and would I be willing to take it up? I could hardly say no XD I had been so disappointed and upset to not get it originally so have it turned around a few weeks later was amazing.

    Along saving about 150 a month in diesel (I budget 200 a month at the moment and when prices go up I get pretty close to using it all up. I'm planning on putting 50 in at the start of September and then seeing how much I use in the month) I'm going to be saving so much time as well! Not sure what my hours will be yet but if I finish at 5 I will hopefully get home around 5:30. Currently I leave at 5 and get home some time between 6:45 and 7, with bad traffic there's barely a month where I don't have one evening getting home at 7:30. Just having that off my chest is going to make so much difference. I want to write some new eBooks for a start!
    So now on my 4 weeks notice at work and then I'll have a week off (unpaid) and then start my new job. Work are both happy that I've got a new role, as I'd told them I was looking back in January, but sad that they'll be losing me. The saved petrol money is going to be split between bumping up the maternity savings, adding to the emergency savings, and spending on the house. Still need paint and a new carpet for the smallest bedroom and a blind for the office.

    As far as I know my new role won't involve nearly as many expenses. Not sure how they manage things like tea/coffee etc, but it will almost certainly involve no London travel, so no more train ticket claims. But on the other hand I can use my extra time in the evenings for some more money-making things. I'm also looking forward to having more energy at weekends so me and DH can go explore a bit more of the local area.

    Right, time to head to bed, have a good weekend everyone!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - 594.33 | Lose 1 stone - 0/14lbs |
    • ChasingSunshine
    • By ChasingSunshine 20th Jul 18, 2:05 PM
    • 140 Posts
    • 1,025 Thanks
    ChasingSunshine
    Congratulations on the new job. It should like it will be wonderful for your quality of life.
    • VintageHistorian
    • By VintageHistorian 12th Aug 18, 1:35 PM
    • 366 Posts
    • 2,314 Thanks
    VintageHistorian
    Thank you ChasingSunshine! It really is going to make such a difference, both for me and DH! I'm so exhausted by Thursday that we don't really do much at weekends. That suits him too as he also has a long commute, but there are days when we would like to go somewhere and don't as I just can't face driving.

    Had my last day at my old place on Friday. Various team members have been on annual leave so we actually had a little farewell party the week before, having cake and tea at a cafe in Cambridge. The team bought me a lovely book; "The Middle Ages in 50 objects" which looks really good. My line manager also gave me a gift card as a leaving present. Feeling quite sad to be leaving such a great team, but I really couldn't do the drive any longer.

    Had a bit of stress this week as I hadn't heard anything from HR at my new place, and my two referees hadn't been asked for references either. Eventually emailed my new line manager just asking when I'd be hearing from HR and she seems to have given them a kick as it was all sorted out by Thursday afternoon. I was getting worried in case I didn't have a job to go to XD Swapping jobs has also saved me a good chunk off my car insurance! Was expecting it to be close to 400 for the year, but ended up getting it for 290! Plus there will be around 20 cashback for getting the comparison quotes through Quidco.

    I now have this week off work so there's a few things to do around the house. Need to try and shift some more of the wedding china and get a bit of cash in. Also got some bits of washing to do, and start thinking about prepping for winter. I need to buy an umbrella as I don't currently own one. If I'm walking to work I don't want to show up at the office looking like a drowned rat! XD My winter coat will be fine for another year, as will my wellies. One of our wedding gifts was a slow cooker that I completely failed to use last year. However I've now bought a really good (second hand) slow cooker recipe book off Amazon. I went through it last night with some sticky tabs and marked all the recipes that I'd like to try, so that will add some nice variety to winter meals. I don't know if I'd feel safe leaving it on during the day while I'm at work, but at the very least I can batch cook some casseroles for the freezer. Also need to make some chili and a couple of lasagnes.

    July ended with a total OP of 122.74, most of which came from my huge expenses claim! August has started with an OP of 52.95. That's the standard 30 OP, plus a train refund for DH of 15.20, and a tiny TT of 0.05 XD I also handed in expenses of 22.45 before I left work.

    We also got a letter from Halifax stating that they'd miscalculated some part of the interest on our mortgage. As a result they've credited us with 20, and recalculated our mortgage payments so we're now paying 658.66 a month. However we're happy with the 666.36 we were paying, so we're just OPing the 7.70 difference as standard. It all works out the same in the end.

    Right, time to go make some lunch. Dinner tonight is roast pork loin chops with all the trimmings Have a lovely Sunday everyone!
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Overpayments in 2018 - 594.33 | Lose 1 stone - 0/14lbs |
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

2,674Posts Today

8,465Users online

Martin's Twitter
  • Ta ta... for now. This August, as I try and do every few yrs, I'm lucky enough to be taking a sabbatical. No work,? https://t.co/Xx4R3eLhFG

  • RT @lethalbrignull: @MartinSLewis I've been sitting here for a good while trying to decide my answer to this, feeling grateful for living i?

  • Early days but currently it's exactly 50 50 in liberality v democracy, with younger people more liberal, older more? https://t.co/YwJr4izuIj

  • Follow Martin