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
    • 414Posts
    • 2,731Thanks
    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 - 761.36 | Lose 1 stone - 0/14lbs |
Page 9
    • Courgette
    • By Courgette 3rd Sep 18, 9:31 PM
    • 1,754 Posts
    • 18,575 Thanks
    Courgette
    Women in history are really my thing!

    I've published an ebook too and an in the final stages of another. My earnings are pretty similar to yours really but it's a nice feeling seeing the pennies come in as you say
    A reminder to myself: Persistence Pays Off
    Mortgage 1: 95,000 78,900 at 3.1%
    Mortgage 2 (BTL): 83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): 3000 Plus 6 months emergency savings earning 3%
    • savingwannabe
    • By savingwannabe 3rd Sep 18, 9:50 PM
    • 13,824 Posts
    • 47,319 Thanks
    savingwannabe
    Well done on doing all the nice packs for your sisters. Two ebooks is v good. One of my friends writes history textbooks and I really like them!

    Your food always sounds delish! Well done on the overpayment. All this walking is great. The weather really helps too. Yum to the chocolate and fairy cakes.
    Christmas Fund 88
    Reminder: NO FLEABAY MARCH!!!!
    • VintageHistorian
    • By VintageHistorian 26th Sep 18, 9:48 PM
    • 414 Posts
    • 2,731 Thanks
    VintageHistorian
    Been quiet this month as I didn't really have any OPs to comment on. No expenses any more, got just over 1 pending on Quidco, but not much done on the money making front this month.

    But after looking at my account this evening I can see how much I'm saving from not walking around Cambridge every week day! Ended up paying over 48.56 to the mortgage! This is despite me buying the occasional (no more than twice a week) cup of tea at work, and ordering some cheap second hand books off Amazon.

    I also bought some bits for my Christmas charity shoeboxes off Amazon, so hopefully they'll arrive soon. I also need another shoebox, and possibly a new larger one as one of mine is quite small. I was looking at the local receivers list this evening - there's only two of us in this county and the other lives very close to London! One of the other receivers who lived in a nearby county has also dropped off the list. Last year I ended up receiving 192 shoeboxes, I wonder if lack of receivers in my area will mean I break the 200 mark?

    New job is going well. I've been given a big project that's giving me a bit of a headache, but I'm enjoying the challenge and the fact that it's keeping me busy. Once it's done I'm going to feel very satisfied as a lot of what I'm doing is updating very out of date content, and it's going to be a lot better once I've completed it. Oh and I'm still really enjoying the walking, even if I am a bit tired out by the time I get home!

    Total OP this month is 87.71 - consisting of 37.70 standard OP, 1.45 TT, and then 48.56 from just not spending much this month.

    Next month I should actually buy some bits for the house, we shall see!
    "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 - 761.36 | Lose 1 stone - 0/14lbs |
    • VintageHistorian
    • By VintageHistorian 30th Sep 18, 11:53 AM
    • 414 Posts
    • 2,731 Thanks
    VintageHistorian
    Ended up having a very busy (and productive) Saturday. Did the laundry, baked the double chocolate loaf cake again (DH requested it), also baked some lemon cupcakes to use up the last egg that was left and half a lemon, tidied up the garden by cutting back the last marguerites, and emptying almost all the pots that I was growing veggies in (after harvesting the three remaining peppers, and cooked chicken and parma ham pasta for dinner. Also booked Premier Inn in Cirencester for our second wedding anniversary, we're going to have a couple of days over in the west!

    Phew. Going to feel less guilty about having a lazy Sunday now.

    Boiler was serviced on Friday night. They found a problem with the expansion vessel but managed to fix it without replacing it (didn't understand it but it involved a bike pump ), and also checked our airing cupboard and found that something there needed tightening. 95 all in, the other company quoted us 50 but we trust this guy to be thorough and feel like it's worth the extra cost. Next time though we'll try to book him in advance!

    No plans for today other than having a shower and making dinner (chicken breasts wrapped in the remaining parma ham, with homemade potato wedges, and steamed baby carrots and broccoli stems). Suspect DH will remind me that I REALLY need to clear out more of the smallest bedroom so will dedicate an hour to that as well. The first Christmas shoeboxes are being dropped off tomorrow evening - 24 from someone who also dropped them off with me last year! Had an email from someone else asking if they can drop off at least 12 later on in the month, so added to the 4 I'm doing I'm going to have a minimum of 40. Only need 80 to get them picked up in November, so I'm halfway there already.

    Right, need to go finish off my cuppa. 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 - 761.36 | Lose 1 stone - 0/14lbs |
    • jodles16
    • By jodles16 30th Sep 18, 3:51 PM
    • 1,417 Posts
    • 4,275 Thanks
    jodles16
    Have read through your diary, you have been very busy! Congratulations on the wedding, anniversary, overpayments, new job and smaller commute, younger sisters both doing well and all the house stuff!


    Jodles
    MFW2017 #29 1200.24/4524
    MFiT #66
    Overall aim 10,124.20/21,743 (156,000)
    2016- Jan-177,472, Apr-173,195.04, July- 171,417.47 Oct- 169,366
    2017- Jan- 167,347.80 Apr- July- Oct-

    • savingwannabe
    • By savingwannabe 30th Sep 18, 4:58 PM
    • 13,824 Posts
    • 47,319 Thanks
    savingwannabe
    Well done on the Christmas parcels. Congrats on the anniversary trip being planned. Glad the boiler has been sorted and at a good price too.

    Have a good Sunday.
    Christmas Fund 88
    Reminder: NO FLEABAY MARCH!!!!
    • VintageHistorian
    • By VintageHistorian 18th Nov 18, 12:59 PM
    • 414 Posts
    • 2,731 Thanks
    VintageHistorian
    Oh dear, I've managed to miss the whole of October and a big chunk of November on here!

    I think it's because I don't have expenses to claim any more so my OPs aren't as frequent as they used to be. I basically wait until I get to the end of the month, see how far off 60 I am, and then just chuck the money to get over 60 in to the mortgage.

    So October update;
    - Total OP = 68.14
    - Didn't buy anything for the house
    - Project at work has been going well, although getting a bit bored with it and wishing it was all over so I can move on to something else (suspect everyone involved in it feels the same way).
    - More shoeboxes rolled in from various people.
    - Went to my first WI meeting. Talk was on the local church but was more about selling the extension, I felt the history aspect of it was a bit rushed as a result.

    November update;
    - Current OP = 37.70, need to send over DH's refund for a cancelled train (15.20)
    - Had the past week off for my birthday. Ended up being very busy and not very restful. Monday I had to go to a VW dealership to get a replacement fog light (the whole light unit, not just a bulb), Tuesday (my birthday) we visited Norwich (primarily the cathedral), Wednesday my car had an MOT and I had a haircut, Thursday we had lunch with my parents, Friday I had to travel in to London for a dental check up (everything fine), and then yesterday we went on a 5 mile charity walk with my in-laws before having a late lunch.
    - Genuinely counting down the 5 weeks until Christmas when I'll have 2 weeks off and can make sure I have proper winding-down time.
    - Took the history shop to a craft fair, made back my table fee plus a bit on top. Got two more fairs booked in, one next Saturday and one the following Saturday!
    - Went to my second WI meeting. This was very interesting as it was about community defibrillators. I'm about 30 years younger than the average age in the room They have pointed me in the direction of a much younger WI group in the nearest town, but to be honest I just want a 2 minute drive down the high street, and although they're an older lot they're very nice. Will be paying my subscription to sign up properly in January, and will also audition at the Essex Federation to be on the speakers list.

    Today I've done laundry, a tissue managed to escape in to it somehow so I've also hoovered up all the tiny tissue fragments that have ended up on the floor. Dinner tonight will be pork loin chops, with roast spuds and green veggies.

    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 - 761.36 | Lose 1 stone - 0/14lbs |
    • Fortune Smiles
    • By Fortune Smiles 25th Nov 18, 9:09 PM
    • 3,015 Posts
    • 24,989 Thanks
    Fortune Smiles
    Hello there VH

    Congratulations on the new job

    Glad to hear you're enjoying the WI - I love being a member and it's given me so many opportunities I wouldn't have had otherwise. I'm sure you'll love it.

    Fortune x
    Mortgage: 10% paid Overpayments 2019: 1119.02 Emergency Fund: 66% Car Loan Remaining: 0%

    Read my work here and here (scroll down for text). Free to read but ratings and reviews very much appreciated.
    • VintageHistorian
    • By VintageHistorian 27th Dec 18, 5:31 PM
    • 414 Posts
    • 2,731 Thanks
    VintageHistorian
    Thank you Fortune!

    It appears I did it again - namely forgot about this diary a bit. Will try to be better in the New Year!

    OP for November was 54.97, so a bit off the 60 target.

    OP for December is currently sitting at 59.97 so I'll try to remember to do a little TT tomorrow to get that over the 60 point, and that will be it for OPs for 2018.

    An update from my last post;
    - Did the two craft fairs I was booked in but neither of them were very good. I made back my table fee at both but nothing else on top. Particularly disappointing as last year one of them made me an extra 30. Think I might take a break from them next year, by the time the 3rd one came around I was tired of getting up early on a Saturday
    - I managed to get all my Christmas shopping done in good time. Included a morning in Colchester running around getting all the last little bits. Getting up and going early (in the car by 9:30) worked well as it was getting busy by the time I left.
    - Drove to my parents on the 23rd and had a few days with them. Lovely to have everyone together. My brother and his girlfriend spent part of Christmas Day with her family, and the evening with us (and had two Christmas dinners as a result), and my youngest sister's boyfriend also joined us in the evening for his second Christmas dinner
    - Drove over to the in-laws yesterday. DH had to go back to work today so I drove back on my own.
    - Stopped off at Waitrose and Tesco on my way to have a look at the post-Christmas bargains. Was really disappointed at Waitrose as they didn't have any of their selection boxes of biscuits! None on the shelving to be seen, let alone bought cheaply. Did however get a ys packet of southern fried chicken to go in the freezer, and a ys pizza for tonight. In Tesco I got a small ys gammon joint, and a ys pork joint, both of which have gone in the freezer and will make nice weekend dinners in January. Also bought two large tubes of Smarties and a chocolate 50 note for 50p each, which combined with the two huge boxes of Guylian my brother gave me, means that I hopefully won't need to buy any chocolate for myself in January.

    Once I got home I unpacked everything (DMIL insisted that DH sort through the last of the things in his old bedroom so she can take the unwanted furniture to a charity shop and redecorate the whole room, so I ended up with two more boxes of books and papers in the car). Mum sent me home with some leftover gammon, three slices of cheesecake, and some salted caramel ganache pots that me and DH had brought with us (I was put in charge of dessert and went a bit over the top).

    About an hour after I got home my neighbour popped round to let me know that she thinks there's a rodent in her attic. As we are the middle of the terrace she wanted to check if I'd heard anything in the past few weeks. I haven't, which I'm hoping is a good sign. I'm normally super sensitive to those kinds of noises (hate rodents) so if I haven't heard it then I'm hoping it's because it hasn't got in to our side. But paranoia means that I've put a load of food packets (mainly pasta and rice) in to a Really Useful Box and put that back in the cupboard. There's still more pasta out though, along with crisps, biscuits, sugar, flour, and mug cake packets. I don't have any extra boxes for those though but I might look for some in Wilko next week. Mum and Dad get a lot of field mice so I've grown up with food being packed away in plastic boxes to stop it being nibbled! I just hoped we wouldn't have to do the same thing here.

    Anyway, neighbour has an uncle who is an exterminator so he's going to take a look for her. I've said that if he wants to double check our attic to just knock. Hopefully whatever he puts down will get rid of it pretty quickly, otherwise I'll be freaking out and jumping at every noise in the house

    Plan for tomorrow is to have a relaxing day. A lie in, read my book, maybe have a bath, make a toad in the hole for dinner, watch some DVDs, and generally try not to think about all the things that need to be done around the house. I just need one day (maybe two) to do nothing.

    Hope everyone had a lovely Christmas! I'm sure I'll post again before New Year
    "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 - 761.36 | Lose 1 stone - 0/14lbs |
    • savingwannabe
    • By savingwannabe 29th Dec 18, 8:56 AM
    • 13,824 Posts
    • 47,319 Thanks
    savingwannabe
    I am glad you had a great Christmas. It sounds like your sales shopping was useful as you bought food what a shame you couldn't get the selection box but it was good that you did get something. it is great that you are still overpaying despite it being such a busy time financially.

    I remember when I heard a scratching noise in the night and was too scared to sleep. I hope there is no rodent around and it is good that the exterminator can check for you. What a kind and useful neighbour to have.

    Have a fab New Year Vintage Historian and keep posting. I do love your posts!
    Christmas Fund 88
    Reminder: NO FLEABAY MARCH!!!!
    • _Amaryllis_
    • By _Amaryllis_ 29th Dec 18, 6:40 PM
    • 50 Posts
    • 88 Thanks
    _Amaryllis_
    Hey, I'm finding your diary really inspiring. I'm currently in the process of buying a house and I'm hoping to OP from the beginning like you have. It's on the outskirts of Colchester.

    Your blog sounds really interesting, I'm going to try and find it.

    if you like purple have you heard of the song 'Start Wearing Purple' by Gogol Bordello? play it whilst decorating.

    http://www.youtube.com/watch?v=p_81l4DXlwM
    Originally posted by savingwannabe
    Thank you for this, savingwannabe, I really like it
    No. 30 on Save 12k in 2018 20,218.75/20,000
    No. 90 on Save 12k in 2017 19,650.21/15,000
    • VintageHistorian
    • By VintageHistorian 31st Dec 18, 9:56 AM
    • 414 Posts
    • 2,731 Thanks
    VintageHistorian
    Thanks Amarylis, hope the house purchase goes well and you'll soon be part of the north Essex lot!

    About an hour after I got home my neighbour popped round to let me know that she thinks there's a rodent in her attic.
    Originally posted by VintageHistorian
    Guess what I got woken up by at 07:50 this morning? Exterminator coming Wednesday and as predicted I'm now jumping at every little noise in 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 - 761.36 | Lose 1 stone - 0/14lbs |
    • VintageHistorian
    • By VintageHistorian 5th Jan 19, 3:29 PM
    • 414 Posts
    • 2,731 Thanks
    VintageHistorian
    The numbers are in!

    OP for December - 65.26
    Total overpayments for 2018 - 949.73

    So didn't quite reach the 1000 target I'd set for the year, but I'm happy with how much we did OP. If I'd continued in my old job then we probably would have reached it as I would still be claiming back expenses from work. Having that money separate in my head worked well, but I haven't had much time to sit and think about how to rejig my budget to replace that money.

    2019 has started with the pest exterminator coming round. I ended up going back to my parents house after my last post as it had really freaked me out. Bonus was spending NYE with my family! DH was at his parents as he was back to work straight after Christmas but we didn't have trains running (engineering works). Only spent one night at my parents. Second night I slept on the sofa, which wasn't brilliantly comfortable as it's only small, but I managed to make it work.

    Exterminator came and confirmed there was rat poo in the loft. He's put down sticky traps, snap traps, and poison, and chucked some poison pellets in to spaces that he couldn't reach. Hopefully between us and the neighbour we'll have managed to get rid of the horrid thing. He's coming back Wednesday to check if anything has been caught, or evidence the poison has been eaten, DH is taking the day off for it.

    This afternoon I've taken down the Christmas decorations and packed them all back up. The Christmas tree will be collected next Saturday, there's a hospice that collects them in return for a donation, and then transports them to the council recycling centre without being charged by the council.

    I've also moved my money around. No council tax this month so I've diverted the money to other pots, including 15 as an OP. Combined with the standard monthly OP we make we're already at 52.70 for the month, so that's a nice start to things. I've also listed some things on Facebook selling groups and need to sort out more in the coming weeks. I also did my first ever freezer inventory so I can finally see properly everything that we have! Should stop me running out of bolognese without realising it in the future

    Back to work on Monday. Looking forward to getting back in to a regular schedule again. Also need to rearrange my annual leave. I've booked the first week of March off to use up my remaining annual leave since it ends on 31 March. Sadly DH's grandmother passed away just before Christmas The funeral has been arranged for later in the month, so I need to turn the 5 days in to 4 days, and then book the day off for the funeral. She was a lovely lady and had been very kind to me from the moment she met me, so I'd like to say my farewells to her. And I was only taking the time off in March to use up the leave, otherwise I'd have just waited until our holiday in April to have my next week off.

    Dinner tonight is chicken kievs and dauphinoise potatoes, need to use up some spuds and a pot of cream my Mum gave us that didn't get used over Christmas. 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 - 761.36 | Lose 1 stone - 0/14lbs |
    • Goldiegirl
    • By Goldiegirl 5th Jan 19, 4:35 PM
    • 8,469 Posts
    • 49,984 Thanks
    Goldiegirl
    I had mice in my loft abut three years ago, it was really unnerving.

    We had a pest control guy in three times, and although he was helpful, he never did resolve the problem completely.

    He couldn't work out how the mice were getting in. However, my husband noticed that there was a gap near the soil stack pipe, and wondered if the mice were coming in from there, so he blocked the gap, and no more mice.

    We still keep traps in the loft as a precaution, but touch wood, we've not had any more mice.

    Hope you get rid of your visitor and also sorry to hear about DH's grandmother.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • savingwannabe
    • By savingwannabe 5th Jan 19, 5:31 PM
    • 13,824 Posts
    • 47,319 Thanks
    savingwannabe
    VintageHistorian, I am so sorry about DH grandmother. I hope the whole family can all spend some quality time saying adieu to her at the service. It sort of stops you in your tracks and makes us evaluate things especially at the start of a new year.

    May this year be filled with happiness and blessings and no rodents of any kind. Bless you my friend
    Christmas Fund 88
    Reminder: NO FLEABAY MARCH!!!!
    • VintageHistorian
    • By VintageHistorian 9th Jan 19, 9:26 PM
    • 414 Posts
    • 2,731 Thanks
    VintageHistorian
    Thank you both GoldieGirl and SW!

    Exterminator came back today to check on the loft. DH took the day off to let him in.

    Good news - There's no new evidence of the rat in the loft.
    Bad news - There was also no corpse, in a trap or otherwise (I know they stink when they're dead but I needed to know it was dead).
    Good news - More poison has been put down and some of the traps rearranged, just in case.
    Bad news - Neighbour came round again this afternoon for a rat update and told DH that she's still hearing movement on her side. Her uncle is now going to set up a motion-sensitive camera to see if they can spot it.

    It sounds like the guy was quite puzzled at the lack of success as he was quite thorough. DH is comfortable going up in the loft so he and the bloke had a good old poke around. They also went outside to check obvious entry points such as the gutter drainpipe but apparently that's already got an "out only" cap on it (didn't spot that before!). So he's going to come back one more time in a week and a half, and if there's still no signs then he'll take away the traps and leave the poison.

    DH is now querying if I'm sure I heard a rat. Suggestions have included birds and squirrels. I'm still fairly sure it was a rat, but it'll be interesting to see if my neighbour catches anything on camera!
    "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 - 761.36 | Lose 1 stone - 0/14lbs |
    • VintageHistorian
    • By VintageHistorian 13th Jan 19, 10:03 PM
    • 414 Posts
    • 2,731 Thanks
    VintageHistorian
    Sat down this evening for a little money shuffle. Led to a TT of 2.86 going to the mortgage.

    I've decided to try and find a bit more of a balance in my weekends. Normally I end up spending both Saturday and Sunday doing chores and working on the website and it means I don't really have time off. I need to get used to using my evenings more productively (now that I don't spend 2 hours driving home) and freeing up my Saturday.

    With that in mind I did the first round of laundry on Friday night in between doing the food shopping and getting DH from the station. I did the second round on Saturday, but that isn't common as we don't get through many whites during the week. I also refrained from doing any blog writing or website work, and instead played on the Nintendo DS, played on the PC, read my book, and watched some DVDs.

    It was a bit difficult to persuade myself to not do things and I spent a lot of time worrying that I was storing up trouble for today. However today I have baked a cake, finished a long blog post ready for tomorrow (damn royal mistresses and their controversies), made packed lunches for tomorrow, and cooked dinner, and I didn't feel particularly pushed or stressed by it all. So I shall try to stick to this "no real work Saturday" rule for at least two or three Saturdays a month. That will include going out on dates with DH as we didn't really do any dates last year and we only realised in December.

    That said DH is working next Saturday so that won't be a date weekend Once the exterminator has been I'm going to pop in to town to look for something to wear to DH's gran's funeral. I haven't been to a funeral in a decade and my wardrobe is full of colour, I need to find something in black!

    Oh also had someone pop round to buy a bag of craft items, mostly blank cards and patterned papers, that I listed on a Facebook selling group. Got 7 for the lot which I've chucked in a variety of loose change jars, it'll come off the mortgage eventually I'm sure! Need to sort out a few more bits to list next.

    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 - 761.36 | Lose 1 stone - 0/14lbs |
    • VintageHistorian
    • By VintageHistorian 2nd Feb 19, 9:41 PM
    • 414 Posts
    • 2,731 Thanks
    VintageHistorian
    Well we're in a new month and new opportunities to OP!

    January's OPs came to a total of 61.65, so a nice start to 2019 overpaying. I've just paid our EDF bill and our mortgage will come out on the 4th so I will do the money shuffle on Monday night.

    This evening I've sorted out our EDF tariff to last until March 2020. I know I should really shop around but it's always me that organises these things and I just want to get it done easily. So stick with the current provider but at least sign up to a deal with them.

    During the week I also sat own and sorted out a new regular saver with Halifax. Last year I had one with them where I saved money for a maternity leave fund (or a "let's go on a cruise" fund if we end up not having kids). It matured in early January so I got the interest and an easy access saver. It had over 2000 in it. I still want to keep saving for maternity leave this year and can put away 200 a month. So I've opened a new regular saver, which can have a maximum of 250 a month added to it. I'll move in 200 from my wages, and then top it up with 50 from the easy saver to maximise the interest. I won't need to take the money out before next January so it can just tick over for another year.

    Still no sign of rat being caught so the exterminator has taken the snap traps, but left the sticky ones and the poison. I'm feeling calmer now, last noise I heard was a few weeks ago and I'm fairly sure it was a bird (either that or the rat fell off the roof as it landed with a thud!) so we'll leave the poison up there and hope whatever it was just !!!!!!s off.

    We had the funeral DH's grandmother the other week. Managed to get myself a nice black dress from Fat Face for just 25! It was the last one in the shop and in the sale, a size 10 which I would never normally fit, but it was a wrap-around style so had a lot more potential! The waistband was sewn in and was a little tight across my ribs, but apart from that it was fine. Also managed to get a lovely soft black cotton-esque cardigan in a charity shop for 4, so it all came in under 30. Funeral and wake were sad but very nice, in-laws insisted we take some food back from the wake so I had some sandwiches, and DH had sausages rolls and a large chocolate muffin.

    This week I'm planning on paying my subscription to the WI and becoming an official member! That'll get me out of the house one evening a month.

    Lazy Saturdays are working pretty well. Managing to get things done on Sundays. Still struggling to have motivation in the evenings after work though. I've clearly forgotten the frustration of trying to squeeze in everything in the brief hour I had between getting home myself and DH getting home. Oh well, I'm sure it will come to me in time.

    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 - 761.36 | Lose 1 stone - 0/14lbs |
    • savingwannabe
    • By savingwannabe 3rd Feb 19, 8:55 PM
    • 13,824 Posts
    • 47,319 Thanks
    savingwannabe
    A great OP. Well done on bargain price black dress sorry it was for such a sad occasion. So Ratgate is continuing. I hope he goes v soon.

    The WI sounds like it will keep you busy. I am just too tired to do anything at the weekend so I do envy you. If you get any cheap cakes send some to me as I am dreaming of the WI cakes I used to get at my old house!
    Christmas Fund 88
    Reminder: NO FLEABAY MARCH!!!!
    • Mkaa
    • By Mkaa 3rd Feb 19, 9:35 PM
    • 4 Posts
    • 1 Thanks
    Mkaa
    Hi vintage historian

    Was just looking through for some inspiration to be MFW( new account but lurked around before).. looking to buy soon..but have a question...

    I know the thread goes back to 2017, but wondering after paying deposit and fees etc, How much did you actually keep for bills etc??? As I see you mentioned building an emergency fund of 1000.

    I just am not sure, how much minimum or maximum to keep aside as would love to chuck max at deposit.

    Really admire all you guys , determined to do well with mortgages
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

121Posts Today

954Users online

Martin's Twitter
  • Now come on that's a bit unfair!!!!! I could've done a handstand (well headstand) first if you'd asked! Sheesh! https://t.co/01Pf9Z99B1

  • It isn't statistically representative true. But to say that tells us nothing isn't correct. It shows what people i? https://t.co/JBLu6Cd8a5

  • Very interesting that on my Facebook page (which tends to be more pro Brexit) the same vote, with similar number of? https://t.co/NgYxaQDCnr

  • Follow Martin