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  • FIRST POST
    • Cherryfudge
    • By Cherryfudge 3rd Mar 17, 12:10 AM
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    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 69
    • WannabeFree
    • By WannabeFree 9th Jan 19, 5:18 PM
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    WannabeFree
    Well worth the spends if it makes you feel happier Cherry and looking after your health too.

    Eye masks - look at spacemasks. They aren't the cheapest around I don't think as I haven't ever bought them, someone sent me one once when I was unwell. Amazing. Honestly the best thing I've ever used. It even works for headaches!

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 19, 9:34 PM
    • 7,144 Posts
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    HairyHandofDartmoor
    I think getting enough sleep, fresh air, exercise, and socialising with nice friends and family are vital for good mental health. All these thing need to be done on a regular basis to keep you in the most positive frame of mind possible. I get the impression that you have a lovely family so you sound like that box is being ticked already .

    I would also add another vital ingredient which is feeling that you're doing something worthwhile. For example, volunteering always feel good for my mental health because I feel that I'm helping the children, the staff and the school in general, and that makes me feel very positive about myself. I get the impression that your job is fairly people orientated, so that may be another box already ticked for you .

    In addition I find that cutting right down on sugar and alcohol helps me to avoid mood swings and have higher energy levels.

    These are the things that help me to cope and as you know from my diary, I have my challenges .
    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 = £0
    "Tough times never last, but tough people do" - Robert H Schuller
    • Cherryfudge
    • By Cherryfudge 9th Jan 19, 10:17 PM
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    Cherryfudge
    Quick update - tonight it was DH's turn to have a meal out with friends and I had some idea of making a veggie soup for my tea to use bits up, only we didn't have the right sort of veg so I improvised a lentil and chorizo soup which was very good and what's more, there's enough left for a couple more meals.
    I sat down to do a bit of piano practise later and felt my Fitb!t strap go. It's been in use day and night for about 16 months and had been coming off from time to time recently but now it's actually broken so I've taken the plunge and ordered a set of replacements (not the genuine thing but a £10 set off t'internet) and a screen protector for the tablet I got for Christmas which has been sitting in my basket for a couple of weeks. Total £20.37 (under Electronics for the sake of the record).
    I will have a look at the Spacemask thanks Wannabe - something that works for headaches must be good!
    HH, you are right, my job is very 'worthwhile' and I'd want to do it even if I didn't need money. I used to work in a different sector and was aware that however exacting the standards we were supposed to meet, none of it really mattered - those immaculately typed letters could have been notes on the back of an envelope, they would have conveyed the message just as well (though goodness knows what the recipients would have thought! ). In my current job I have the chance to give people quality of life, and that's amazingly rewarding. However, I've come from a point some years ago of having no plans for myself to holding out for some 'me' stuff, while fighting the side of me that self-sabotages. I'm my own worst enemy.
    You're right about the sugar too - I know I have too much and for the sake of my health I should reduce it. Alcohol isn't much of an issue as I rarely have it, but chocolate...!
    I'm off to read my new book about how to crochet. It will help as it's all in English terminology and I need to learn that. So many net tutorials are in US English which is fine but I need consistency till I have more confidence.
    Things to be thankful for today:
    DFiL wasn't hurt in his fall and was sitting watching a spectacular sunset when I saw him later.
    Twiglets
    Lentil and chorizo soup for dinner tomorrow
    Satisfactory eye check
    new books
    MFW #30 Paid off £4,100.58/£3000 in 2018
    Decluttered in 2019: 116/2019 as of 14/1/19
    • WannabeFree
    • By WannabeFree 9th Jan 19, 10:25 PM
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    WannabeFree
    All in all a good day Cherry

    I hope you get a good night's sleep

    You do need to give yourself 'me time' look after you like you look after others

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • Honeysucklelou2
    • By Honeysucklelou2 10th Jan 19, 12:18 AM
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    Honeysucklelou2
    Lentil and chorizo soup sounds good...I make lots of lentil and bacon but will have to try that!
    paydbx2019 #93 £141.93/£10,100 .
    School trips £236/£1200..
    • Cherryfudge
    • By Cherryfudge 10th Jan 19, 11:34 PM
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    Cherryfudge
    NSD.
    Work was rather full on but we all got through... no decluttering done or anything.
    Thankful for:
    Lentil and chorizo soup again
    Nice conversation with DS2 before he headed out for the day.
    Teamwork.
    MFW #30 Paid off £4,100.58/£3000 in 2018
    Decluttered in 2019: 116/2019 as of 14/1/19
    • WannabeFree
    • By WannabeFree 10th Jan 19, 11:44 PM
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    WannabeFree
    Hope you get a good nights sleep after a busy day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • WannabeFree
    • By WannabeFree 11th Jan 19, 11:50 PM
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    WannabeFree
    Hope you've had a good day Cherry

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • Cherryfudge
    • By Cherryfudge 12th Jan 19, 12:00 AM
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    Cherryfudge
    Ooh, I just popped over to your thread Wannabe, and thought I had better get to bed before PositiveBalance tells me off again!

    I'm glad you got your coffee - sometimes it's things like that which make a big difference.

    Nothing much to report today: work was quiet, a complete contrast to yesterday.

    Spending:
    Household (window cleaner) £5.00
    MS:
    Living off soup, toast and biscuits!
    Remembered to ask DH to get fish to have with our chips tomorrow and hopefully save a bit.
    Decluttered:
    7 items - that's some space created in a bathroom cupboard.
    MFW #30 Paid off £4,100.58/£3000 in 2018
    Decluttered in 2019: 116/2019 as of 14/1/19
    • WannabeFree
    • By WannabeFree 12th Jan 19, 10:19 PM
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    WannabeFree
    Coffee always makes the day better

    Hope you've had a good day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • Cherryfudge
    • By Cherryfudge 13th Jan 19, 1:14 AM
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    Cherryfudge
    Quite a productive day: DH and A went round to DFiL's - his carer had noticed his bed is adjustable, so it's now lower and he probably won't need a new one. Meanwhile I got very little done.
    We had our Saturday fish and chips and bought the fish at the supermarket which I hope is both cheaper and healthier - I haven't done the sums.
    I popped into town for a few groceries and then to work for some small boxes I'd rescued, which I used to pack the remainder of Christmas away. I've made sure all the boxes are easy to find as well - goodness knows how many are buried in the depths of the loft with missing decorations all neatly waiting to be discovered... probably in many years' time.
    Work was... quiet! I got some paperwork out of the way and sampled my colleagues' cooking.
    After work I decluttered some bananas and an apple into a batch of muffins instead of the bin... not bad, might have one for breakfast. The fridge is packed again as DH got the shopping and has obviously struggled to fit it all in, but 'everyone' is here for lunch on Sunday so it will empty somewhat.

    Spending:
    Housekeeping £2.95
    E-book £0.99
    MS:
    Oats for tea, and very nice they were too.
    Fish & chips, slightly more economical version.
    Repurposed aging fruit as muffins.
    Wombled 3p.
    My special coffee is back on offer - got one but only one for now as I still have most of the last stockpile!
    Actually had £2.25 left in the housekeeping budget - usually it's overspent so I'm not rolling that forward, it can help make up for past overspending.
    Decluttering:
    11 items.
    MFW #30 Paid off £4,100.58/£3000 in 2018
    Decluttered in 2019: 116/2019 as of 14/1/19
    • WannabeFree
    • By WannabeFree 13th Jan 19, 1:17 AM
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    WannabeFree
    Sounds like a good day all round

    I need coffee I'm hoping to fit it on my shopping list next week

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • Honeysucklelou2
    • By Honeysucklelou2 13th Jan 19, 5:32 AM
    • 1,346 Posts
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    Honeysucklelou2
    The decluttering is very impressive Cherryfudge
    paydbx2019 #93 £141.93/£10,100 .
    School trips £236/£1200..
    • Cherryfudge
    • By Cherryfudge 14th Jan 19, 12:57 AM
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    Cherryfudge
    Thank you lovely peeps .

    Today was supposed to be an NSD but I bought a few extra veg for the family (30g of fibre being big news). I admit I got the coming week's money out a day early for it, too. I hope to spend a little less this week though as I'm planning to spend a few days decluttering Mum's old house and there's quite a lot in my cupboard there.

    Oh, and grrr... my maths has let me down. I put a note on the calendar to cancel Amaz0n Pr1me but I must have counted wrongly as the money has gone out on 13th not the 14th as I'd expected. So I'm down £7.99 but I hope to grab it back either through free magazines on there (I found a knitting one that addresses three things I had queries about, and screen-shotted - if there's such a word - a beautiful pattern that's currently too hard for me). So do I try to get them to cancel anyway and refund me, as someone has said they did for her, or do I just run with it and download lots to read while away? I don't use the membership for videos or music as they aren't really my thing - though I could investigate something to play while I'm away to give me some company. Then would I be tempted to keep it while I still have the house to visit? (Probably).

    I know I cancelled my paper magazine subscription but it was less than Pr1me.

    In other news, we have tried out the sample pot of paint for the feature wall in the lounge and it's really nice - but also far more expensive than I thought paint could ever be! No decision made yet. I suppose we are largely past the era of sticky finger prints and crayon marks, but that could well roll round again - even expensive paint woudn't last forever. In addition one of the new kitchen cabinets is now up and the door fitted (we'll have to send away for bits for the other cabinet as the store didn't have them).I'm happy with how it looks and have decided to use it for our two glass cake stands and my cookie cutter collection - pure indulgence having these things but they make me smile, and one of the cake stands is inherited from Mum.

    In other words, we are spending money on the house. It's long overdue, but when we arranged to do DH's trip of a lifetime for our anniversary last year, my condition was that instead of another big spend on travel this year, we had to put some money into the kitchen. As you may remember, we then got the log burner which is gorgeous and has cut our other fuel bills but was a big expense and means the lounge needs a complete makeover. The kitchen would actually fail a hygiene inspection (I know this through work) because of the state of the tiles, and two cupboards died on us and have had to be replaced, and the kitchen is very visible in the house, so I think I'm justified in wanting it presentable.

    As you know, spending costs money, and DH is therefore getting very twitchy about me overpaying the mortgage, apart from the little bit that's included in the DD. I can see his point that we need to build up our emergency fund to where it used to be, but I'm not happy getting 'behind' on my intended mortgage payments, which come out of another account, even though we are actually ahead with them. DH is right that when we finish sorting out the estate we should have the money we need, but I was hoping to put more into my ultra-skinny pension.

    I think that's partly what's lead to me overspending a bit. It feels like 'What's the point in making an effort if I can't throw the results at my goal?'

    Anyway... nil desperandum. I shall have a bath and go to bed then I have two days off before three nights away. There are a few things to do, but much of the time is set aside for 'me time'.

    Spending:
    Amaz0n £7.99
    Housekeeping £3.80
    MS:
    More oats for tea. My favourite!
    Beautiful knitting pattern for free.
    Decluttering:
    6 items including a whole bag of sweet potatoes that didn't get used for their original purpose but went down very well as matchstick fries at dinner.
    Confessions:
    Argh, Pr1me caught me!
    MFW #30 Paid off £4,100.58/£3000 in 2018
    Decluttered in 2019: 116/2019 as of 14/1/19
    • WannabeFree
    • By WannabeFree 14th Jan 19, 10:49 AM
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    WannabeFree
    Amazon are really good at refunding if you do decide to go down that route. I miss mine though Not helping am I?#

    Could you take the colour to have a similar paint made up somewhere? I don't know if that's any cheaper though. I just but the cheapest

    Hope you got a good nights sleep and have a lovely day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • Cherryfudge
    • By Cherryfudge 14th Jan 19, 12:10 PM
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    Cherryfudge
    Amazon are really good at refunding if you do decide to go down that route. I miss mine though Not helping am I?#
    Originally posted by WannabeFree
    Ha ha, no not at all

    That's a really good idea about the paint, thanks. Could save us considerably.

    No decision yet, I'm half awake after being up till about 3. I was nearly ready for bed (late, admittedly) when the care line rang to say DFiL had a fall, so I woke DH and he went round. Paramedics were already there and FiL seemed okay so DH went home again, then the care line rang again to say the medics had found an infection so had taken him to hospital (it's just around the corner).

    Meanwhile DS2 has exams this week and I should get myself in gear to achieve something today. It's beautifully sunny so I feel I could Do Things if only I could get started.
    MFW #30 Paid off £4,100.58/£3000 in 2018
    Decluttered in 2019: 116/2019 as of 14/1/19
    • Cherryfudge
    • By Cherryfudge 14th Jan 19, 12:16 PM
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    Cherryfudge
    A positive from yesterday (I keep forgetting to add them): DS was finally caught in receptive mode. I asked him whether he is eligible for NHS discounts; he actually came over and had a look over my shoulder at some stuff about it and decided he might be, though he's not what he would call a medical student. (I know what he means, but I think he's being too technical). I hope that it might free up his finances in some way.

    Also positive: he has a placement that suits his interests and may not cost him a fortune in petrol. It will last something like 10 weeks, I think he said, so that could be 10 weeks of him gaining skills in an environment he's happy with and hopefully getting petrol costs as he'll have to use his car locally. I see that as adding up to a communicative, happy DS2 - which is a delight.
    MFW #30 Paid off £4,100.58/£3000 in 2018
    Decluttered in 2019: 116/2019 as of 14/1/19
    • WannabeFree
    • By WannabeFree 14th Jan 19, 12:21 PM
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    WannabeFree
    Great news for DS

    Hope FIL is okay.

    Hope you get some more sleep/rest!

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • Cherryfudge
    • By Cherryfudge 14th Jan 19, 10:57 PM
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    Cherryfudge
    Thanks Wannabe

    DFiL is still in hospital - they suspect a UTI and are keeping an eye on him. DH visited at lunchtime and J went after work and they say he seems okay. J thought he seemed a bit hyped up but DH says that happens sometimes.

    DS2 has survived his exam... not too bad, apparently. He has also got himself a parking ticket. Some people learn the hard way - he takes after his Mum, LOL.

    And good news we didn't expect yet - I'm a Great Aunt! Well, I knew I was a fantastic Mum, etc., but being a great aunt is going to take a little getting used to. Mum and baby doing well, baby is on the small side but they knew that would happen.

    Money-wise, I went to the supermarket and bought a big jar of coffee. I drink far too much of it, albeit decaf. This was £2 off so worth getting even though I've not finished the last lot. I also got my vitamins in bulk as that saved £3.75 and lasts ages, even though it's expensive as an outlay. I need to keep them up because my mood slumps if I don't. Other than that the supermarket was bananas, pasta, pesto, eggs, tinned fruit and cappuccino. I aslo wandered round the charity shops, having rightly assumed they would have their best stock so soon after Christmas. I resisted a really pretty top that I don't need but found two nice pairs of trousers - necessary as one of my favourite pairs is (ahem!) too tight and the other favourite pair is wearing out. While I was there I spotted two little cups that match a set my sister has from the 1950s so I got them to go towards her birthday present. I hope she likes them... maybe I should try to find out before I give them away as they are sweet!

    Spending:
    Clothing £4.49 + £3.50 = 7.99
    Housekeeping £17.39
    Gift £2.50
    MS:
    Both pairs of trousers for well under a tenner! (And they are M&S and John Lewis).
    £5.75 saved over coffee and vitamins.
    Lunch and dinner from stores.
    10th coin savings 50p
    Wombled 20p
    Decluttering:
    A couple of old containers as I put things away in the new cupboard.
    Last edited by Cherryfudge; 14-01-2019 at 11:09 PM.
    MFW #30 Paid off £4,100.58/£3000 in 2018
    Decluttered in 2019: 116/2019 as of 14/1/19
    • WannabeFree
    • By WannabeFree 14th Jan 19, 11:00 PM
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    WannabeFree
    Ouch to the parking ticket

    Hope FIL is on the mend, hopefully antibiotics and a close eye will have him recovered asap.

    Congratulations on the new baby

    xx
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
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