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  • FIRST POST
    • Cherryfudge
    • By Cherryfudge 3rd Mar 17, 12:10 AM
    • 3,569Posts
    • 23,040Thanks
    Cherryfudge
    Cherry takes the reins
    • #1
    • 3rd Mar 17, 12:10 AM
    Cherry takes the reins 3rd Mar 17 at 12:10 AM
    Hi everyone.

    I'm hoping I can legitimately post a diary here as I'm in the blessed position at the moment of my only actual debt being my mortgage, but I've had a huge change in my circumstances recently and how I manage it will have a big impact on our finances.

    I need to talk things through, if only with myself, and motivate myself with small money savings and accountability. For the last few years I've not kept an eye on money but I work and DH's pay has gone up so we've had enough and a bit to spare and I've got lazy with some and wasn't mentally able to face other aspects. Now that I'm in a much better place mentally, I want to take the reins and be deliberate about what I spend. I need to start facing up to this right now because we are covering costs for my Mum's estate until probate is settled. I know this isn't legally necessary but we can pay ourselves back from the estate once the paperwork goes through and I don't like the estate to be building up debt (which oddly is possible).

    A bit late tonight to launch into details about the estate so I will give a brief explanation of other financial stuff. DH and I have a couple of joint accounts and a mortgage. We have an aging car which needs to be replaced soon and is essential (DH's work and transport for a disabled relative). We are also going to a family wedding abroad in July, and have paid accommodation and air fares but there will also be car hire, food, sundries and some of the clothes still to buy. DH's income is the larger and pays all the utilities, holidays, fuel and etceteras. Mine goes into the other joint account and pays the mortgage and food, which gives me a lot of pride . I also pay for contact lenses, some donations which I don't want to stop, my phone contract and, temporarily, costs incurred trying to sort Mum's estate.

    The breakdown of where my money goes (pcm):
    Mortgage: 282.24
    Donations: 120.00
    Contact lenses: 22.00
    Phone 8.40
    Amazon Prime: 7.99
    Food for 4 adults 80.00 (pw) (approx. 347 pm)

    Income:
    Roughly 1,000 pcm (variable due to overtime)
    Bank 3 (if I get my wages transferred regularly)

    This month and possibly next I have lots of extra fairly hefty outgoings in terms of travel, paying a cleaner, insurance etc. that are all to do with Mum's estate. I will, as I said, get these back from my eventual inheritance but meanwhile I want to tread carefully and of course it will decrease what I inherit. Duh.

    To encourage myself I'm keeping this diary and would love to hear from others as I do so. I can't always see things clearly till others give input.

    Action I can see I need to take:
    Get my wages paid directly into this account so I always get that 3! Done in time for May 2017
    Cancel Amazon Prime - cancelled 7/3/17

    Little MS things I've managed today:
    Started this diary
    Taken lunch to work - overnight oats
    Mended a favourite cardigan so I can wear it in daylight
    Put myself down for 3 extra shifts. 2 of these particular type of shifts pay for a journey to work on Mum's house.

    Uh-ohs
    Forgot DH had an evening meeting so went for the quick-cook supermarket pizza which isn't best use of food money when I could have been using stuff up.
    Far too tired after a late night and an early shift, to go for a run. I know that's nothing to do with money but for lent and my waistline I'm doing C25K.
    Last edited by Cherryfudge; 31-05-2017 at 10:21 PM. Reason: Update
Page 105
    • Cherryfudge
    • By Cherryfudge 9th Jan 20, 11:24 PM
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    Cherryfudge
    Thanks greenbee, I will bear that in mind. I hadn't even heard of Triodos! As I said, I need something ethical but which can run itself when I have one of my 'can't touch that' phases (I am currently having one about overpaying my mortgage which is very strange as I'm so near the end but I think I was thrown by paying off Christmas. Anyway I'm hoping to make at least a token payment tomorrow and if I'm less tired I might make progress on investing that money).

    DH and I are both tired after our two days away but he has work tomorrow and I don't. He thinks it's due to our being out of our usual routine. We did sort lots of paperwork and sent a small load of bric a brac to charity. I have a list somewhere...

    I've had two NSDs as DH paid at the supermarket so there is some of my housekeeping money left.

    The biggest progress other than paper decluttering was having a chap from an estate agent round to give us an idea of value. We did this three years ago for probate and it sounds as though there may have been a slight shift upwards but the man admitted he needed time to consider the value as it's a larger property (not huge) in a lovely area with more land than average but needs lots doing. For me the biggest thing was that talking to him helped me to see it as a project to sell, and the things I knew in theory about presenting a house for sale have fallen more into place.

    We didn't find many amazing treasures this time around, but a letter from my Dad's best friend dated 1947 was a keeper (we have nothing else directly from Miles) and two 'new' photos of my Grandfather who died some years before I was born. I've also rounded up lots of bits of Mum's jewellery into one place so now I think I have it all: costume jewellery, broken jewellery and all. Mum loved it and always wore rings and necklaces so when my sister is back we need to go through it. I'm not much of a one for jewellery though.

    Tonight I'm thankful for a safe and productive journey, time with DH and safe return home.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • Cherryfudge
    • By Cherryfudge 10th Jan 20, 1:36 PM
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    Cherryfudge
    What is it with days off, that I never get anything done in the morning? I couldn't even put the washer on today as the repair person doesn't come till tomorrow. I got a couple of loads done in the washer at Mum's so we aren't too badly off for clean clothes, bedding and towels but that will soon be history.

    I had a good chat with DS2 when he got in from night shift but he's asleep now and has asked me not to put the heating any higher as his room houses the boiler and gets too hot for him to sleep. So it's a bit cold here!

    I braved a look at the mortgage account and it will be a tight squeeze to pay it off this financial year though it may be possible. I put 150 towards it today on account, and the usual overpayment of 58.51 has just gone out. I know I have an extra hundred due on my December wages (after tax) so that will help considerably: there's about 600 left to pay.

    I've picked up an extra sleep at work this month and will keep a look out for more. I'm realising that if I added the approx. 250 that I've saved from 10th coins, 2 coins and the like, it might actually bring me to a guaranteed end of the mortgage before DH retires at the end of March... what to do?! That would free up the money from April, to go towards some sort of pension, and my work pension is a good one but doesn't have a great deal in the way of contributions so I'm thinking to increase my contributions there but also have some sort of investment elsewhere.

    It's a beautiful day out but cold. I ought to get out for some shopping and exercise and I can't be doing much about the house as DS2 needs to sleep. I did some garden work the other day and am 'in talks' with J and L about them using part of our garden to grow veg, but I'd like to do the same myself and need to do an inventory of seed packets - I have more than I can possibly use, many of which will be getting out of date, so a plan is needed.

    Meanwhile I want to finish unpacking from our trip away.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • Cherryfudge
    • By Cherryfudge 10th Jan 20, 9:39 PM
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    Cherryfudge
    The unpacking is largely done... okay so there are two bags of books and papers but I don't know what to do with those. DH and I got the remaining Christmas decorations into the loft and had a discussion about what constitutes 'too many' decorations. We both grew up in the 70s, that era of paper streamers all round the ceiling, but he feels we have too much without any streamers at all, whereas to me it's a bit odd and not quite what I would like. I think next Christmas it might help if I cut back on the mess of things that ended up 'decorating' the hearth. It's funny how different people see the exact same thing differently.

    Dh has been to a new specialist today. He said it was like going for an audience with a French monarch. A series of waiting rooms before he was ushered into The Presence. However The Presence was very thorough, spent ages and did some tests and is going to liaise with DH's usual specialist to see if the results allow for DH to go onto the new meds regime. I can't help wishing they had left well alone 18 months ago, but the doctor wasn't happy with the level of control the long-term medication was achieving, which is why one of the new ones was tried. It worked well on his condition but had bad side effects so he had to come off it. After about half a year of him doing really well, his original condition flared up and they also found a new set of symptoms which are what they are investigating now. I suppose it could all have happened anyway even on the old faithful meds regime.

    We are on the home run now with regard to DH retiring, and he's on the look out for a new post as it's really about getting away from his present post and doing something less taxing. One job application is due in soon but it's all an unknown.

    I feel I've not made much of today at all. The weather is bitter, though no colder than a week or so ago. I did manage a few minutes in the garden and have scattered two bags of coffee grounds (freebie from St@rbucks) in the compost and round my bay tree. The seeds list is begun and isn't too scary yet but I know I have a drawer of seed packets from earlier times still to face.

    I feel I should be finding a new course to start but I'm chickening out, I'm too edgy to settle to anything much. However, DD has visited DFiL and says she was able to have a short conversation with him, which is good, and tomorrow I'm going to the pictures with DS1 as we are both Star Wars fans!

    I used some chicken and veg from the freezer in a curry for tea and we had the last of our (very big) Christmas pudding. (It was lush). There is actually a little bit of room in the freezer for once.

    Spending
    Housekeeping 2.32 (remaining housekeeping money = 2.20)
    MS
    10th coin savings 20p
    Food from stores for tea
    Spare portion of curry frozen
    Decluttering
    Lots of paper and plastic bags that had previously held decorations into recycling.

    Tonight I'm thankful for Dh getting a thorough medical check and now going to have the weekend off. Also for a beautiful sunny day and DS2 getting home safely from working nights and also having a weekend off.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • Honeysucklelou2
    • By Honeysucklelou2 11th Jan 20, 12:19 AM
    • 2,292 Posts
    • 12,201 Thanks
    Honeysucklelou2
    Always a pleasant task - planning what to grow and which seeds to go for!
    paydbx2020 #93 120.00/10,025 . 1 debt 100 days 34. 0/995
    EF 40. SPC 141

    # savings# 5 . Oven. 3/ 403 Health EF 0/250
    • in need of direction
    • By in need of direction 11th Jan 20, 9:42 AM
    • 6,232 Posts
    • 39,132 Thanks
    in need of direction
    Cut yourself some slack on the course. It’s better to wait until you’re in the right frame of mind to tackle it
    Mortgage at 01.01.14 119,481.83 today 64761.98 target 65,000 by 05/04/19 Offset fund today 946.16 target 1000 by 31/12/19
    Emergency fund 4266/5.5k & 200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Cherryfudge
    • By Cherryfudge 11th Jan 20, 11:55 PM
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    Cherryfudge
    I think you are right, INOD. Courses will be there when present concerns have moved on.

    Today... well. A had asked me if I wanted to go with him to see Star Wars, and he paid for my ticket which was an added bonus. DS2 came too and we all enjoyed it very much. I took a coffee in a travel cup but it was too hot to drink en route so I bought myself one as a treat, and I put a couple of pounds towards the parking, but other than that I haven't spent today. I was supposed to give the rest of the housekeeping to DH but I forgot and I think he's had to get more out anyway. The extra costs of time working on Mum's house have been a factor, I think. I will try to underspend this coming week to even it up.

    DH couldn't come to the cinema as he was supervising washing machine repairs but at least it is repaired! 50 repair bill is a lot less than a new machine. Turns out the pump wasn't working properly. The repairman also found one of our door keys in the innards of the machine which I suppose saves us buying another at some point.

    Work has been okay: I got quite a lot of admin done, the first time I've managed to make any real impact on my files in several months. I reminded the Team Leader on duty that I hadn't had a supervision in a while and we fitted one in on the spot. Neither of us had much to discuss so he updated a couple of competencies which looks good on the files and had a brief look at the rather worrying mount of annual leave I still have to take before the end of March.

    I also heard that a colleague has handed in their notice which is sad; a really nice person and very popular. This doesn't help the leave situation as at least one colleague and I still have loads to take and there will be this other person's shifts to cover too. The plus side is that I might pick up a few extras. (Now Cherry, repeat after me: 'I must not overface myself').

    Spending
    Entertainment 4.75
    MS
    Picked up another sleep in at work for a few weeks' time.
    10th coin saved = 2p.
    Not going to add the change from housekeeping to savings this week as we've overspent. I'll use it as a buffer and try to get by on less next week - all 2.14 of it.
    Part of the overspend this week has been buying washing powder, which usually goes out by DD and arrives in the post. However my delivery arrived very shortly after and my dishwasher tablets, which I buy by the same method, did too. I now have too many of both so I've postponed my next deliveries, which saves about 6.
    Decluttering
    Not today.

    Things I'm thankful for today: finding fruit and nut chocolate in the cupboard and having a healthy tea. A milder day and a really nice time with both DSes this morning.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • Cherryfudge
    • By Cherryfudge 11th Jan 20, 11:59 PM
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    Cherryfudge
    And rather randomly... I wonder if any recycling geniuses can suggest how I can reuse a couple of foil-type coffee bags? I brought a couple home from St@rbucks where they give them away filled with used coffee grounds to enrich compost. They have originally had a vacuum seal and are quite strong but even after washing they smell strongly of fresh coffee! They seem too good to bin, somehow.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • NoOneAround
    • By NoOneAround 12th Jan 20, 7:23 PM
    • 1,815 Posts
    • 8,920 Thanks
    NoOneAround
    Just popping in to say hello Cherry
    x
    NOA
    Feb2014 Total unsecured debt 72,520>>01/06/16 68166>01/02/17 66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=200,300 Jan17180,700>OCT17 170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 51
    • Cherryfudge
    • By Cherryfudge 13th Jan 20, 12:34 PM
    • 3,569 Posts
    • 23,040 Thanks
    Cherryfudge
    Just popping in to say hello Cherry
    x
    NOA
    Originally posted by NoOneAround
    Hi NOA! Nice to see you.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • Cherryfudge
    • By Cherryfudge 13th Jan 20, 12:40 PM
    • 3,569 Posts
    • 23,040 Thanks
    Cherryfudge
    All of 1 spent yesterday: I asked a colleague to get me some yogurt while she was out... that's exciting, isn't it?

    I had an extra three hours at work this morning and I'm back there this afternoon then have a couple of days off. I feel like going to sleep right now as the house isn't warm and I was up early this morning, but I will brave the weather, which is a bit parky, and get something for tea instead.

    L dropped in not long ago and has had a look through DH's job application for him. He used to work where DH is applying so an insider view is mega-useful.

    Last week's food was about 20 overspent and I don't see myself clawing that back in one week so I'll see if I can manage with 20 a week for two weeks. It might not happen but then again, it won't if I don't try.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • charlies tribe
    • By charlies tribe 13th Jan 20, 8:58 PM
    • 909 Posts
    • 6,350 Thanks
    charlies tribe
    Hope your afternoon at work wasn't to busy.
    My boys are still desperate to see star wars. We were supposed to be going before Christmas but never made it.
    Enjoy your few days off.
    LBM in April 17 - 13376/33554 (39.8%) paid.
    Mortgage@1 June 18 = 2682/76350 paid.
    Total debt @ 1st June 18=102311 @1st Jan 19 94515 93846
    SPC #016 2020 1% challenge #33 = 1% 53.79/5000
    • Sun Addict
    • By Sun Addict 13th Jan 20, 9:04 PM
    • 8,043 Posts
    • 60,668 Thanks
    Sun Addict
    Enjoy your time off
    Virtual Sealed Pot 2020 43.31
    Emergency Fund 3465/10,000
    • Cherryfudge
    • By Cherryfudge 13th Jan 20, 11:10 PM
    • 3,569 Posts
    • 23,040 Thanks
    Cherryfudge
    Thank you, I hope I will.

    Charlie's tribe, I recommend Star Wars, cinema isn't cheap for families but we got 5 seats which is half what you'd pay in some places.

    I got to the shops for a few bits and pieces, mostly to eat at work. The afternoon was cold and dark here with the storm (Brendan?) passing over us around six or seven. I was glad to be indoors! Work was full-on with both positives and negatives but I'll try to leave that behind me for tonight. At least the rain passed over by the time we went home.

    Spending
    Housekeeping 1.98
    MS
    Small discount on an item I often buy (not coffee for once)
    10th coin saved = 20p
    Remaining housekeeping for this week 16.16 (with 10 in reserve that I hope not to use)
    Decluttering
    None

    This evening I'm grateful for DH getting back okay despite a late end to work and meeting the worst of the weather on a remote road. I'm grateful for a few extra hours at work (though need to revisit my resolve to put more into living within my means and less into earning) and I'm especially grateful for good news regarding my friend's husband who is now out of ICU, and DFiL who was able to sit up again today.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • in need of direction
    • By in need of direction 14th Jan 20, 8:45 AM
    • 6,232 Posts
    • 39,132 Thanks
    in need of direction
    Glad your peeps are safe and or improving
    Mortgage at 01.01.14 119,481.83 today 64761.98 target 65,000 by 05/04/19 Offset fund today 946.16 target 1000 by 31/12/19
    Emergency fund 4266/5.5k & 200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Cherryfudge
    • By Cherryfudge 14th Jan 20, 2:33 PM
    • 3,569 Posts
    • 23,040 Thanks
    Cherryfudge
    I didn't get a brilliant night's sleep but managed an extra hour after DH had gone to work and I'd had a coffee, put the washing machine on and started the dishwasher. In fact I think that's the best sleep of the night, even though it was morning. Odd, but I've seen that happen before and my F!tbit confirms it was quality sleep.

    I spent some time while waiting to get sleepy on managing my 'spare' email account. It was set up using my name and it's been clear that there have been attempted logins from America and Canada either by people with the same name or companies attempting to write to them. A few I have replied to over the years when they sent confidential information such as school or medical records, and I've not heard from them for ages. Now I've changed my password and reported everything I think is spam, and binned the rest. I'm going to miss The Baltimore Sun. It's been visiting regularly for years. Everything for Anthony and Mary (do I look like them or something?) had gone. If the real Anthony and Mary want those contacts they have probably long since set them up on their real emails.

    The American supermarket promotions should be coming no longer, ditto the (more hair raising) offers of American car insurance (I don't drive) and the specialist American papers on medicine.

    Nice bit of decluttering, though a lot seem to have gone into archives not the bin.

    Dinner tonight is lentil and chorizo soup, so there's that to prepare later.

    The second load of laundry is now in the washing machine and will have to be tumble dried as this morning's beautiful day break has turned into steady rain. DS2 is sleeping off his night shift so I can't do much around the house. The washer isn't too noisy now it's mended and the kitchen door is closed. I have some work to do to prepare for a church meeting this evening, so that's next on my list, along with coffee.

    It's days like this when I wish I'd taken on extra shifts at work to keep me gainfully occupied, but I know I need to have days off too. Yesterday, with a normal shift and a short extra shift, proved that!

    Back later, hopefully with something achieved.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • Cherryfudge
    • By Cherryfudge 14th Jan 20, 11:15 PM
    • 3,569 Posts
    • 23,040 Thanks
    Cherryfudge
    I got quite a lot done towards my meeting but it got postponed for a coupole of weeks and I will admit it's been foul weather for going out.

    I realised I didn't have all the usual ingredients for tonight's soup so I ad-libbed a bit and the result was passable. I also made a couple of batches of scones to use up some buttermilk. I had the bright idea of making the cheese ones using some of the hard cheese you shake over Bolognese as I bought a big tub of it cheaply but we don't really like it. I'm glad I cut down the quantity as the resulting scones are very strong!

    I have kept away from the shops but downloaded a couple of 99p e-books.

    Tomorrow my sister in law is visiting DFiL and staying over with A and H so we are all invited to tea there. It will be another day of creeping about the house as DS2 is on nights again tonight.

    And a small funny incident: DS2 told me the other day that the kitchen fan was broken. I had a few goes at kick starting it with a stern motherly expression and agreed with him it was dead. Today I decided to give it another go and to my surprise it worked first time. When I told DS2, he said that dad had fixed it. 'How?' I asked. He crossed to the other side of the door and flicked at something. 'Turns out there's this switch...' he said. He's right, too.

    Spending
    e-books 1.98 (used gift voucher)
    MS
    Used up various ingredients which made our tea, two portions of soup for another day and scones for lunches and suppers.
    Decluttering
    Two peppers, two chunks of chorizo, half a big carton of smelly cheese, a jar of buttermilk and some eggs - all put to good use apart from the eggs which were beyond it.

    Tonight I'm grateful for DSiL visiting tomorrow and another family get-together, a quiet couple of days based at home, laundry done and some interesting work for my Tuesday group.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • Cherryfudge
    • By Cherryfudge 15th Jan 20, 12:58 PM
    • 3,569 Posts
    • 23,040 Thanks
    Cherryfudge
    Today's weather forecast promised wall-to-wall sunshine but it took till eleven for the cloud to lift and there are still puffs of cloud blowing across. Nice to have the sun, though.

    DS2 is sleeping off the night shift so all is quiet. I have to top up a few items where stocks have been used up, but when I went to add bread to the list I remembered a packet mix so that's in and rising. It was a bulky box mix so there's a little more shelf space. I could do with cleaning the larder out and making plans to use stuff up (again) but not just yet.

    We are going to A and H's for dinner and A had everything planned so we aren't taking a contribution.

    I'm really enjoying getting some baking done, and I've been playing my piano too as well as yesterday's study work so this couple of days has felt very 'me'. I noticed I've put myself down to do the sleep at work tomorrow night, and another on Saturday (my weekend off but it was sitting there not being taken): this makes six sleep-ins this month which isn't bad as the other day I thought there was only one (forgetting three right at the start). I probably need to look back at my diary and work out the pattern because the same ones come up regularly so I could consider asking if they could be added to my rota. It won't affect contracted hours as they are a set payment.

    This whole staffing at work problem runs and runs: it's very widespread in the care sector. We are down a team leader which is a full time post, and the colleague who leaves at the end of this month works 20 hours a week, plus our two newest members of staff are still mostly supernumerary as they haven't had all their training. At least they are both experienced and steady which makes a huge difference, but it does mean we are always 'putting out fires' when it comes to rota cover. I thought briefly of taking on extra contracted hours, but I'm fairly sure that's not a good idea at present. Maybe when Mum's house is cleared and sold, which I hope will be this summer.

    The other side of this is that the job application DH is putting in, while perfect for him in many ways, doesn't pay well. He will be getting a pension from his current job so we will have roughly two thirds of our current pay until he finds something else. That reminds me I need to do some sums and let DS2 know definitely what his contribution to bills is to be!

    So the plans for the rest of today are:
    put laundry on to wash/out to dry
    ironing
    bill DS2
    clean fridge out and menu plan
    go to shops
    do some gardening
    go to A & H's for tea
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • Cherryfudge
    • By Cherryfudge 15th Jan 20, 1:06 PM
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    • 23,040 Thanks
    Cherryfudge
    Just had a text from DH who is one of Mum's executors. The estate agent has given us a new valuation which makes quite a jump in price! We will have to discuss with my sister but it could make some difference in the longer term. That's if it goes for the lower end of the range he wants to aim for. I'm not setting my hopes on the higher end as that's silly.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • Cherryfudge
    • By Cherryfudge 15th Jan 20, 11:19 PM
    • 3,569 Posts
    • 23,040 Thanks
    Cherryfudge
    We've had a good evening with many of the family. DSiL reports that her Dad is sitting up and has actually been able to eat in the dining room today! However he is confused and she wasn't sure he recognised her. She reported some other symptoms that made me wonder if he was having side effects to medication so we discussed and googled and she's going to talk to the nurse about it before she goes home tomorrow.

    I got some minor shopping done and stuck to the list apart from one item not being available and getting more coffee (on offer, and I'm getting low). The laundry is done and a bit of the ironing. Gardening was also minimal as it was so cold out, but I've filled the green bin with brambles to go to the tip.

    I came unstuck on DS2's bill after unearthing lots of figures as I need a log in for an account, so I might look at that tomorrow.

    The fridge is still in need of a clean and tidy, and I still need to think about menus but DH has stuff in the freezer for tomorrow and I'll be at work so it's only Friday's.

    Spending
    Toiletries 1.99
    Housekeeping 9.52
    MS
    Half price cappuccinos
    Smoked paprika 20p cheaper at the environmentally friendly shop
    Moisturiser from cheap toiletries shop (good brand but I realised after buying it that it's too perfumed for my taste)
    Free and yummy dinner at A and H's
    10th coin into savings = 20p
    Wombled 23p
    Remaining housekeeping 5.44
    Decluttered
    2 jars to the shop that recycles them

    Tonight I'm thankful for spending time with family and for a couple of days off to recharge my batteries.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
    • Cherryfudge
    • By Cherryfudge 17th Jan 20, 3:54 PM
    • 3,569 Posts
    • 23,040 Thanks
    Cherryfudge
    Yesterday wasn't the best day: DFiL was in a bad way. DH, DSiL, DD and I met up for lunch - snatched time as DD had an exam, I had a shift, DH was on his lunch break and DSiL had to drive to the hotel so she could get her early flight. I could see DSiL was upset and when she described how her Dad had been that morning I knew why. The nursing home are getting the doctor out to reassess him: I don't know if that's happened yet. Then DD and DSiL both noticed something in DH which could be a symptom of the same condition his Dad has, and told me so urgently when he was out of earshot. Thankfully it's something DH and I are aware of and hasn't progressed over the years, and also the condition isn't hereditary though two members of the family have had it. Nevertheless things always seem worse once other people have noticed them so now I'm needled with anxiety if I think about it. Just as well work has been busy so I was okay this morning.

    A colleague is now in a similar position to the one I was in with my Mum about ten years ago. He's completely unflappable usually so it wasn't good seeing him upset. We managed to let him go home a bit early and he texted today to say thanks and that things were a bit better than he had anticipated, which was a relief.

    Work itself was okay: my colleague managed to get me working with someone I've not had recent experience with so I now feel up to speed again, though I threw a slight strop when people kept interrupting me while I was doing medication that I wasn't familiar with. Colleagues took the point though and took their work out of my way which is how it should have been in the first place. Then towards the end of the shift I was able to help out on a bit of admin and pass a useful minor bit of info on to a colleague. It was only a computer short cut but will save some hassle on some work she's been set to do and increase her confidence as her background isn't in computers. (Few of us have a computer background in my one of work but we're still expected to be computer literate, which isn't fair on those who left school before computers got out of the physics lab). So all in all work was okay.

    I did get some hurried shopping on my way to work as there wasn't time to go home and make anything, and I also bought yet another e-book the night before.

    A strange thing happened in the evening: lots of cold symptoms so I felt I had to go to bed as early as I could to try to stave it off. Today I've been fine. I'm not complaining, of course!

    I'm trying not to spend money today so I'm going to re-inventory the freezer and see what I can make from the findings.

    I'm fairly rested despite work which is great: am hoping to turn it into something like progress, my definition of progress being something that doesn't involve sitting at the computer getting nothing productive done.

    16/1/20
    Spending
    Housekeeping 3.41
    e-book 0.99
    MS
    an sleep in at work which gives extra income

    So right now I'm thankful for the colour of the late afternoon light on the bare trees, a warm house, DS2's company (though he's upstairs in his lair watching goodness-knows-what) and the prospect of an evening at home with DH.
    Last edited by Cherryfudge; 17-01-2020 at 4:00 PM.
    MFW #30 Overpaid by 4,100.58/3000 in 2018
    Overpaid by 3,259.33/2,880.00 to 29/11/19
    Decluttered in 2019: 2,041/2,019 as of 21/10/19
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