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  • FIRST POST
    • Cherryfudge
    • By Cherryfudge 3rd Mar 17, 12:10 AM
    • 2,070Posts
    • 12,030Thanks
    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 52
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Jul 18, 7:38 PM
    • 5,770 Posts
    • 40,820 Thanks
    HairyHandofDartmoor
    Moan away . Brilliant news about the 75 offer from your bank .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = 17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Chrystal
    • By Chrystal 11th Jul 18, 9:23 PM
    • 508 Posts
    • 3,342 Thanks
    Chrystal
    Buy the storage containers, before they realise how long they actually last and stop making them! You know it's really
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Jul 18, 9:30 PM
    • 5,770 Posts
    • 40,820 Thanks
    HairyHandofDartmoor
    Buy the storage containers, before they realise how long they actually last and stop making them! You know it's really
    Originally posted by Chrystal
    I agree it would be very MSE
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = 17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Cherryfudge
    • By Cherryfudge 11th Jul 18, 10:54 PM
    • 2,070 Posts
    • 12,030 Thanks
    Cherryfudge
    You guys are the best
    MFW #30 Paid off 3,535.94/3000 as of 6/11/18
    • Cherryfudge
    • By Cherryfudge 11th Jul 18, 11:39 PM
    • 2,070 Posts
    • 12,030 Thanks
    Cherryfudge
    I got quite a bit of knitting done tonight - have to feel I'm doing something while watching the footie! I don't usually manage to watch any sport of my own, not even with horses involved, but this one drew me in. DH (he who never watches football either) had to miss it as he had a prior commitment.

    I haven't given in to the storage containers - yet. I need to work out how many I want/need, thereby saving postage.
    Spends:
    Housekeeping 4.51
    e-book 1.99 (gift voucher)
    Gift 30.00
    MS:
    75 compensation for bank error in not setting up my DD
    6 'reward' to be paid by bank (see above somewhere).
    All dinner ingredients from freezer or cupboards (liver and mash with onions and red wine gravy - rapidly becoming a favourite).
    10th coin savings 10p
    Confessions:
    Only needed dishwasher salt but ended up buying fruit and chocolate too.
    Decluttering:
    I didn't throw anything out (though those jalapenos may be doomed - and they're out of date so the food bank won't have them) - but the fridge and two big shelves look a lot better and I've finished up a small bottle of wine
    MFW #30 Paid off 3,535.94/3000 as of 6/11/18
    • Eager_Elephant
    • By Eager_Elephant 12th Jul 18, 6:55 AM
    • 4,489 Posts
    • 26,132 Thanks
    Eager_Elephant
    H
    four jars of cranberry sauce, ....... a packet of meringues and a packet of sponge fingers?

    .
    Originally posted by Cherryfudge
    Cranberry sauce never really goes out of date, last Xmas we ate cranberry sauce which had been opened and was dated 2014, no one died Seriously though I sometimes just have cranberry on the side if I am doing a roast chicken dinner - its not just for turkey.

    Could the meringues and sponge fingers be made in to a trifle of sorts??
    Ninja Saving Turtle No. 1 for August
    NSD - 9/15
    (up to 12/8/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Cherryfudge
    • By Cherryfudge 12th Jul 18, 11:33 AM
    • 2,070 Posts
    • 12,030 Thanks
    Cherryfudge
    Cranberry sauce never really goes out of date, last Xmas we ate cranberry sauce which had been opened and was dated 2014, no one died Seriously though I sometimes just have cranberry on the side if I am doing a roast chicken dinner - its not just for turkey.

    Could the meringues and sponge fingers be made in to a trifle of sorts??
    Originally posted by Eager_Elephant
    I love cranberry sauce - I just need more fridge space lol. I think I may just organise myself to have chicken, stuffing and cranberry sandwiches from time to time. Glad nobody came to grief over it last Christmas it's one of those things where you can see or smell if it's not right, can't you.

    Trifle is a good idea! If I make a big one for Sunday dinner then that should get through quite a lot - I'm sure we have a backlog of jelly somewhere too!
    MFW #30 Paid off 3,535.94/3000 as of 6/11/18
    • Cherryfudge
    • By Cherryfudge 12th Jul 18, 11:03 PM
    • 2,070 Posts
    • 12,030 Thanks
    Cherryfudge
    I don't seem to have got much done today though I've had various conversations with my sister about selling things we don't want from the house. The buy/sell/swap group we joined seems to be hopeless: my membership is still pending and she's had no response to the things she's posted and is very fed up. I've told her to focus on packing her stuff that she's taking from the house and let me deal with what's left but she insists on trying to sell things for a few more days apparently so it will be easier for the removal men to take stuff out. She did have a chap in to look at some ornaments but he thinks they won't sell. We may well end up taking more boxes to charity which I can do as I can gift aid them.

    All this dealing with the house has put a bit of a dampener on the day but I think I'm getting more reconciled to things going.

    DH suggested salmon for tea but I decided on veggie curry which is cheap and very tasty, thus helping pay the mortgage off about two minutes earlier.

    I'm still actively tempted by those storage containers and found them cheapest in a 3-pack, at about the same time as I found some under-sink storage. Having just cleaned out under the sink, which is vastly overcrowded, and then put everything back because I don't have a better place for it, I think I need to make a decision or two.

    Spends:
    Housekeeping 5.17
    MS:
    Veggie curry for tea, mostly from stores.
    Found a bag of timothy hay in the shed for the guinea pig - there is so little grass left that he needs a supplement!
    10th coin savings 20p
    Last edited by Cherryfudge; 12-07-2018 at 11:05 PM.
    MFW #30 Paid off 3,535.94/3000 as of 6/11/18
    • Eager_Elephant
    • By Eager_Elephant 13th Jul 18, 6:39 AM
    • 4,489 Posts
    • 26,132 Thanks
    Eager_Elephant
    These look nice - https://cookthestory.com/cranberry-oatmeal-bars-easy-dessert-recipe/

    I usually make something similar but with jam and they are scrumptious but don't hang around very long!!!
    Ninja Saving Turtle No. 1 for August
    NSD - 9/15
    (up to 12/8/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Cherryfudge
    • By Cherryfudge 13th Jul 18, 11:57 PM
    • 2,070 Posts
    • 12,030 Thanks
    Cherryfudge
    They DO look nice, thanks EE! I've copied out the recipe so that might be a job for tomorrow afternoon.

    Nothing spectacular going on here today except that it tried to rain for about 15 minutes this afternoon. When I say 'rain', think 'fine drift of spray that was probably largely reabsorbed into the air before it got as far as the ground'. Still, nice to know it still exists: I am still saving bathwater to keep the garden alive till the real thing. Not that I'm complaining: I love the summer.

    I'm starting to get bored being at home, though. Looking forward to the weekend so I get some company and can go somewhere interesting. I did walk up to the far end of town today (12K steps in total) and bought a peg bag and some groceries. Met a former colleague on the way back and heard the gossip from our former workplace. I also managed to get my under-sink storage, collect my prescription, pay the milk bill and order the storage cannisters.

    Oh, and when I emptied the old peg bag, I found a missing keyring at the bottom!

    Spends:
    Housekeeping 7.06
    Household 38.73
    Pets 1.99
    MS:
    Shopped around and got the best price on the storage unit.
    Picked up cheap tomatoes while I was out.
    Resisted buying plants marked down to 10p. Hopefully someone else will enjoy them!
    10th coin savings 2p
    Confessions:
    Have just worked out that saving p&p by buying said storage unit locally actually cost me, as I then paid full p&p on the cannisters instead of combining the 2 orders. Sigh.
    Let DH buy dinner, which was very nice (salmon) but costs more.
    Last edited by Cherryfudge; 14-07-2018 at 12:11 AM.
    MFW #30 Paid off 3,535.94/3000 as of 6/11/18
    • Cherryfudge
    • By Cherryfudge 14th Jul 18, 11:57 PM
    • 2,070 Posts
    • 12,030 Thanks
    Cherryfudge
    A sad day today: our remaining guinea pig went into a decline and died this evening. He was at least six years old and I think it was sheer old age: he seemed his normal self till this morning. I did discuss taking him to the vet but I've seen this before and I knew that given his age it was a case of when not if, and decided the journey to the vets might be more trauma for him. So the day has been overshadowed by this.

    Apart from this it's been a day of nice things. I decided I really needed to do something about my hair so I gave it a wash and trim. I can trim it myself as it's long but it hadn't been done for ages because I've not had the mobility. I had no problem today, evidence my arm is getting a wider range of movement. We had a takeaway for lunch then went out for a walk through beautiful woodland and stopped for coffee and a scone on the way home before visiting Mr Al in a nearby town. That has spent nearly all the food budget for the week - I think there is 1.61 left but I have a few things in for this coming week (soups, liver, sausages, tins of fruit etc.) which takes the strain off that budget.

    The under-sink storage is assembled and just about fitted in. Much neater under there so it seems to have been the right move. I also got all the handwashing and the ironing up to date.

    Spending:
    Housekeeping: 19.65
    Gift 5.00
    MS:
    Am down to seven coins in my purse so nothing towards the 10th coin savings.
    Found 1.05 when moving the washing machine
    Home made hair cut.
    Decluttering:
    Under sink is a lot more accessible.
    Haven't actually got this out of the house yet but asked DS2 to see if his animal-loving friend can use spare hay etc. from the guinea pig. Sad to have it around and I'm not getting any new animals this side of our big holiday.
    Last edited by Cherryfudge; 15-07-2018 at 12:23 AM.
    MFW #30 Paid off 3,535.94/3000 as of 6/11/18
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Jul 18, 9:48 AM
    • 5,770 Posts
    • 40,820 Thanks
    HairyHandofDartmoor
    I'm sorry about your guinea pig Cherry, you get so attached to even the smallest animals .

    Hope you have a good day today.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = 17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Cherryfudge
    • By Cherryfudge 15th Jul 18, 9:39 PM
    • 2,070 Posts
    • 12,030 Thanks
    Cherryfudge
    Thank you Hairy, he was a real little character: was completely shy until his brother died a year ago then came out of his shell and became very chatty. No more guinea pigs for now though as two of the lads have allergies and DS2 spent last night coughing after tending to the guinea.


    Not much to report today apart from a marginal overspend on the food budget after DH insisted he was going to make the recipe 'properly' which involved red wine and cherry tomatoes, while I would have used tinned tomatoes and bunged in something flavourful that we already had, like Worcestershire sauce!

    Nothing spent or saved by me today, but my storage cannisters turned up so I'm off to unpack them.
    MFW #30 Paid off 3,535.94/3000 as of 6/11/18
    • Onebrokelady
    • By Onebrokelady 15th Jul 18, 10:24 PM
    • 868 Posts
    • 4,538 Thanks
    Onebrokelady
    Awww sorry to hear about your guinea pig Cherry, I used to keep them when I was younger,I love the squeaky noise they make,I pooped intoPetsmat Home last week and they had a few guinea pigs in the adoption section,I was tempted but managed to drag myself away
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 1,440 Total Now Owed = 16,190
    Emergency Fund = 300 Xmas savings = 400
    • Honeysucklelou2
    • By Honeysucklelou2 16th Jul 18, 12:02 AM
    • 1,183 Posts
    • 5,602 Thanks
    Honeysucklelou2
    Sorry to hear about the guinea pig. No matter the size, pets always become part of the family don't they?
    paydbx #93 899.50/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • Cherryfudge
    • By Cherryfudge 16th Jul 18, 11:59 PM
    • 2,070 Posts
    • 12,030 Thanks
    Cherryfudge
    Very much so - and I keep thinking things like 'I must get him undercover in case it rains'.

    Talking of which, it's been raining since tea time, not just ordinary rain but real, dramatic thunder-and-lightening-rain. It's still pouring but the thunder has stopped.

    I had a work meeting this afternoon to touch base, nothing particularly exciting, then went to the shops for a few bits and pieces and to drop off a parcel. Getting out less money in the hope of leaving some of it in the bank didn't work so I have the housekeeping money in cash for the week again.
    Spending:
    Housekeeping 5.17
    Donations I forgot at the weekend 2.00
    MS:
    Leftovers for dinner (also creates fridge/freezer space)
    10th coin savings 50p
    Decluttering:
    Assembled all my knitting stuff either in the knitting bag or in the right containers.
    Swept out an obscure corner.
    Last edited by Cherryfudge; 17-07-2018 at 12:14 AM.
    MFW #30 Paid off 3,535.94/3000 as of 6/11/18
    • Honeysucklelou2
    • By Honeysucklelou2 17th Jul 18, 1:21 AM
    • 1,183 Posts
    • 5,602 Thanks
    Honeysucklelou2
    Wow, the plants in the garden will be grateful! We had a shower at 10.30am, which quickly finished and the hot weather has been back.
    paydbx #93 899.50/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 2994 in Aug 18
    • Cherryfudge
    • By Cherryfudge 17th Jul 18, 11:57 PM
    • 2,070 Posts
    • 12,030 Thanks
    Cherryfudge
    No rain today but everything is so much fresher! Even the brown grass looks greener already!

    I had a physio session today and she unknotted some very tense muscles - she's very good at her job! Feel much better and the range of movement is still increasing.

    Other than that, I've finished the main part of a baby blanket I'm making and am now trying to learn to crochet so I can give it a border. As I was tidying out the sewing and knitting corner anyway I've got all my crochet hooks out, and a 1980s book on handicrafts, and YouTube and some cheap yarn... you know when tidying up makes more mess? That's it. However, the centre block of the blanket is done and bagged up neatly till I master the art of making the border!
    Spending:
    Groceries 6.92
    MS:
    Dinner from freezer.
    2 savings jar 2.00
    10th coin savings 5p
    Confessions:
    Bought yet more fruit... it's so nice at this time of year but I just counted 29 portions on the sideboard, and a melon!!!
    Decluttering:
    Enough weeding in the front garden to see progress.
    Tidied the sewing stuff.
    Last edited by Cherryfudge; 18-07-2018 at 12:10 AM.
    MFW #30 Paid off 3,535.94/3000 as of 6/11/18
    • Cherryfudge
    • By Cherryfudge 18th Jul 18, 11:51 PM
    • 2,070 Posts
    • 12,030 Thanks
    Cherryfudge
    Quite a bit spent today in one way or another as it was my FiL's birthday and we treated him to a day out. We all had a lovely time which included lunch, beautiful gardens and dinner at home. DH paid for most of this, as well as petrol and entrance fees. The only bit that I bought was the ingredients for the evening meal, some of which we already had, and some washing powder that was significantly discounted. I decided to put the food spending down as 'entertaining' as the meat, cream, strawberries and jam were extras. I know we ate too but we already had in the rest of the ingredients so I feel that's our share of a meal that fed six, then the lads both had extra portions after FiL had gone home!

    Spending:
    Housekeeping 5.20
    Entertaining 8.68
    MS:
    Leftover cream made a couple of ounces of butter
    Saved 2.80 on usual price of washing powder
    10th coin savings 20p
    Wombled 15p
    MFW #30 Paid off 3,535.94/3000 as of 6/11/18
    • Cherryfudge
    • By Cherryfudge 19th Jul 18, 10:26 PM
    • 2,070 Posts
    • 12,030 Thanks
    Cherryfudge
    Not much to report today: my friend is kindly teaching me to crochet so some wool and a crochet hook were in order - I'm quite pleased with the results so far. Actually I'm rather amazed: in all these years I got as far as making chains that I kind of crocheted into each other, the pinnacle of my achievement being earlier this week when I laboriously learned single crochet from a mixture of YouTube and a book. She already has me doing double crochet and turning corners! So I'm very happy with that.

    Walking to her house and back via the shops has taken it out of me a bit so I'm aiming to get to bed before too long.

    Dinner was tuna pasta and we already had all the ingredients in, so no food spending today. We also noticed our milk hasn't been delivered, which is a saving and not inconvenient as we have a 2 pint carton but I'll email him before I go to bed.

    Spending:
    Pets 4.50
    Donation 2.00
    Hobbies 1.35
    Book 0.99
    MS:
    Dinner from cupboards
    10th coin savings 50p
    Decluttering:
    Some progress on the garden, but as the weeding has uncovered untidy pots, it doesn't look much better!
    Last edited by Cherryfudge; 19-07-2018 at 10:29 PM.
    MFW #30 Paid off 3,535.94/3000 as of 6/11/18
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