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  • FIRST POST
    • redofromstart
    • By redofromstart 31st Jul 17, 7:37 PM
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    redofromstart
    <<<out of cheese error>>>
    • #1
    • 31st Jul 17, 7:37 PM
    <<<out of cheese error>>> 31st Jul 17 at 7:37 PM
    New name, new diary, new approach! I regularly read, and sometimes post, on the diaries of others but haven't started one myself as it is such a public thing to do. Anyway I need to stop drifting and get our finances back on track before we run out of cheese.


    Family is:
    Me - PT, self employed, bit of this bit of that. Currently on a PT contract with a few months to run.
    OH - generally works as a consultant and has a famine or feast income. On a rare direct employed contract at the moment
    DC - two boys


    Biggest challenge is a huge mortgage, taken out in the days of huge lending and post retirement mortgage dates. Stuck on high SVR as we haven't managed to both be in secure employment at the same time for years. The plan was to overpay and reduce the term but life got in the way a lot.
    10 years of chipping away at it may mean we can now try to remortgage but the barriers are two debts that I need to deal with so that they do not impact on affordability.


    Debt 1 is a student loan, 840 left at 94 per month - 1.5% interest (maybe?)
    Debt 2 is a 0% credit card, 2500 with over a year left to run. This is a carry over from the last famine, and has been reduced from a total that was closer to 15k.


    We do have a couple of months mortgage in savings, but that is the 'emergency job switched off fund' and is generally untouchable.


    OHs works full time and his wages cover the mortgage, and basic outgoings. Its up to me to generate the income for overpayments and debt clearing . I have to work round the boys as we don't have family local or any childcare in place.


    This diary is to try and keep me on track, before the big red lever turns the mortgage off. If we can remortgage, even with reducing the term to his retirement date, it knocks 200 a month off our payments which is a huge amount of leeway next time the famine hits.
Page 61
    • RosaBernicia
    • By RosaBernicia 16th Apr 18, 1:22 PM
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    RosaBernicia
    Thanks Rosa, that's useful to know.
    I made a Ginger Crunch instead which is ginger shortbread with ginger fudge icing. There was a version in the vegan book I bought the other day and the idea appealed.
    Originally posted by redofromstart
    Oooh ginger crunch sounds yummy.

    Credit for the microwaving fruit idea should also go to someone online though I can't remember precisely who - I think it was in the comments on the online recipe. Just as well as I think Nigella was recommending cooking them for three hours and those of us with jobs that require us to leave the kitchen ain't doing that .


    Rosa xx
    Debt free May 2016
    MFW progress 3.9% ...
    Campervan loan progress 0%

    • redofromstart
    • By redofromstart 16th Apr 18, 8:53 PM
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    redofromstart
    I will never be making the ginger crunch again. It is lethally addictive. And I weighed myself last night

    Drum roll please, today, for the first time ever, I did my tax return in April. I now know exactly what I owe, and what OH owes and it is less than we had in the tax savings account so the surplus can go in the emergency fund, hurrah.

    Otherwise not a very productive day although I have managed nearly 10k of unproductive steps so not all bad.
    • greenbee
    • By greenbee 16th Apr 18, 11:10 PM
    • 12,689 Posts
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    greenbee
    Congrats on the tax return. I know I'll be waiting for a while to get all the bits I need for mine - it tends to take a couple of months, but I guess I should start.

    Am in a somewhat grotty hotel in Italy, where I've been attempting to work after a brisk walk round the local area (not hugely inspiring). I was hoping to get my head into Italian mode ready for tomorrow, but unfortunately my German colleagues kept speaking English, so I'm now worse off than when I got off the plane. I hope I'll be able to find the Italians tomorrow and make them talk at me for a couple of hours

    I haven't weighed myself, but my travel PJs are feeling a bit snug. Need to do better. Risotto (delicious, but still risotto) for supper probably didn't help. Nor the muffin at the airport...
    • doingitanyway
    • By doingitanyway 17th Apr 18, 7:52 AM
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    doingitanyway
    Yey. Well done on the tax return. I'm sure that is a weight off your mind
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • redofromstart
    • By redofromstart 17th Apr 18, 9:26 AM
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    redofromstart
    I've still got the business returns to do but have already paid the tax on that so I'm glad I did it rather than knowing there was a vague amount due.

    Hair cut and roots this morning, and then parents evening. Its quite windy and overcast so at least not wasting a good gardening day. The wind is drying out the soil nicely, so hopefully the sunny days do materialise and I can crack on tomorrow.

    I was looking at seeds yesterday as I have no leaves/lettuce seeds which was one of the most useful things last year. 1.50 in MrL, at which point it has to generate an awful lot of salad to justify the cost. Need to have a check elsewhere.

    Last night we had freezer salmon (in the oven with a drizzle of honey) with a honey and mustard dressing, new potatoes and a huge mixed salad. I did enough spare potatoes for OH to take salad, potato salad (with horseradish, yum) and leftover beef for lunch today which will make a nice change from soup. MrL had some nice frozen tuna steaks which I should have bought. Will pick some up next time if they still have them, they will make an excellent dinner salad. I've boiled him some eggs for fridge grazing, and need to make a lentil loaf or something similar later.
    • redofromstart
    • By redofromstart 18th Apr 18, 4:24 PM
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    redofromstart
    Wilkos obliged with some mixed salad seeds - 1 for 1400 seeds so better value and should do this year and next. I spotted some tins of exterior varnish for 1 in the clearance bit, always useful so I got a couple.

    Tuna steak with a big mixed salad tonight. MrL have some in the freezer bit - a rare treat.
    • doingitanyway
    • By doingitanyway 18th Apr 18, 5:43 PM
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    doingitanyway
    Tuna salad sounds nice for this weather and the varnish is a total bargain
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Sun Addict
    • By Sun Addict 18th Apr 18, 8:36 PM
    • 6,011 Posts
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    Sun Addict
    Ugh you've just reminded me I'll have to fill in Mr SA's tax return shortly.

    Hope you've enjoyed the lovely weather today
    Virtual Sealed Pot 2018 376.59
    Debt 2240
    Weight loss 2/6LBS
    Emergency Fund 4000/10,000
    • redofromstart
    • By redofromstart 19th Apr 18, 12:36 PM
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    redofromstart
    And the weather today? Scorchio!

    I've weedkillered the drive and paths at the front, as I know where all of the cats are. Upside snoozing in the sun mostly, and who can blame them? Buying a 5 lilte tub of high strength stuff last year has certainly paid off compared to buying sachets.

    Potted on the courgettes, and planted some chilli seed. I now have a whole 4 tomato plants germinated which will do although I hope a couple more will come up.

    The blackbirds eggs have all hatched, and its lovely to watch the parents gathering bits for them. The stupid pigeons keep trying to nest in the (cat climbing frame) wisteria.

    Aldee seem to have a new 50% off policy so there is actually RTC stuff first thing in the morning. All the super 6 stuff was stickered yesterday so I have far too much veg. I made some marinated mushrooms as an experiment, they will form part of dinner tonight so I am hoping they will make another good cold salad option.
    • sashybo
    • By sashybo 19th Apr 18, 8:54 PM
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    sashybo
    Doing well with the seedlings redo. Hopefully it will be a better year for veg this year, last year we just didn't do well at all & the weather didn't help (although having a newborn might have had something to do with it as well ).

    Hope the furries enjoyed their sunbathing, my Siamese boy loves the sun but my British gets too hot & prefers the shade. Recently departed little cat was a total sun worshipper though.

    I like the new 50% off rtc stuff at Mr Al's. Although I stocked up on hot cross buns so not as healthy as you.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,772 extra paid off debt. Total Debt paid off 52,608
    Loan 1864.43 CC 0% BT 850, Car loans 21,525.19

    Have a Debt Free Diary to try & keep spending in check.
    • redofromstart
    • By redofromstart 20th Apr 18, 8:02 PM
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    redofromstart
    Sashybo, I gave up for a couple of years when the boys were tiny. Something had to give, and veg growing was one of the things. Its great to get back into it again.

    Today OH had a day off (for reasons of sunshine) and we went to visit some proper gardens, which was quite motivating. Good to go while you could see the backbone/structure rather than just lots of plants.

    The marinated mushrooms were lovely, a keeper. Must remember to write it out before I lose it.
    • Seasidegal58
    • By Seasidegal58 22nd Apr 18, 2:20 PM
    • 2,036 Posts
    • 12,674 Thanks
    Seasidegal58
    You sound like you've been busy in need the garden over the few days redo - the weather has certainly helped! Hope you've been taking some time to copy your felines and relax in the sun as well!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 16/07/2018: 776.27
    MONTHS TO RETIREMENT: 34!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • doingitanyway
    • By doingitanyway 22nd Apr 18, 3:59 PM
    • 3,243 Posts
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    doingitanyway
    Marinated mushrooms? I have some YS ones I was going to grill. How did you do them?
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 22nd Apr 18, 6:50 PM
    • 2,063 Posts
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    Cumbria lass
    Good to hear the garden is coming on a treat., and that the dreaded tax return is done .
    CC1 111/3840
    • redofromstart
    • By redofromstart 22nd Apr 18, 8:59 PM
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    redofromstart
    Marinated mushrooms? I have some YS ones I was going to grill. How did you do them?
    Originally posted by doingitanyway
    I cobbled a recipe together so no link as such but essentially: wipe, quarter or half if they are big. Equal quantities of vinegar and oil in a pan (I did 100ml of each, balsamic as that is what I had) a finely sliced onion, heaped tea spoon of brown sugar, some garlic from a jar and a sprinkle of mixed herbs. Took the liquid up to the boil, then added the mushrooms and simmered for ten minutes. Was lovely cold the next day, spooned over a pan fried slice of stale tiger bread.
    • redofromstart
    • By redofromstart 22nd Apr 18, 9:34 PM
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    redofromstart
    Sorry DIA was out on duty visit all afternoon so didn't see this earlier.

    Going out on 'free' electricity Sunday, I was Not Amused.

    Much digging and sowing of seeds, am shattered. Bath, book and bed.
    • redofromstart
    • By redofromstart 23rd Apr 18, 2:16 PM
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    redofromstart
    Food shopping this morning and I neglected to make or take a list. MrL is being refurbished and everything has moved which doesn't help. Anyway, I at least remembered milk so nothing critical. We picked up some Rye bread while we had our sneaky day out on Friday (from a superb village bakers in Rutland) which the boys loved, so I got some rye flour (Aldee) today with a view to having an attempt at making some this week.

    I bought some potted basil and coriander which made the car smell lovely. Must sow some herbs this week but at 67p each these will keep us going for the time being.

    I was looking for something of OHs earlier and ended up tidying our bedroom to find it (as you do) and found a 150ml tube of l'occitane shea butter hand cream, hurrah. Thought I was about to run out so really pleased with that as I couldn't justify buying one at the moment. It shows you just how many lotions and potions I have stashed away though when I forget something of that size and value.

    Actually thinking about it, I haven't bought any face or skin stuff this year other than emergency wipes for the car - and that was because I had run out. Clothes, footwear - I bought (planned) boots and jumpers in the Christmas sales but since then have only done the Boden low/no spend and jogging pants for gardening since. That's not bad really, at under 20 ytd on clothes and smellies. I've also established that putting a few drops of the expensive rose oil in the bath with the cheap bubbles (Asdar 43p Rose and Mallow is actually quite nice) gives the same end result of no need to moisturise my very dry legs which is a result for both economy and laziness

    Focus is on building the emergency fund at the moment, but still making small rounding down payments to the mortgage. We are in a much much better position to weather any potential storm than we were even a few months ago so all the penny watching is paying off
    • doingitanyway
    • By doingitanyway 23rd Apr 18, 3:55 PM
    • 3,243 Posts
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    doingitanyway
    I cobbled a recipe together so no link as such but essentially: wipe, quarter or half if they are big. Equal quantities of vinegar and oil in a pan (I did 100ml of each, balsamic as that is what I had) a finely sliced onion, heaped tea spoon of brown sugar, some garlic from a jar and a sprinkle of mixed herbs. Took the liquid up to the boil, then added the mushrooms and simmered for ten minutes. Was lovely cold the next day, spooned over a pan fried slice of stale tiger bread.
    Originally posted by redofromstart
    I will try this. I'm changing my diet so this is perfect
    I am also trying to build an emergency fund but I keep taking it out when there is no emergency at all
    You have reminded me to try harder...
    I hope you are having a good day
    Last edited by doingitanyway; 23-04-2018 at 3:57 PM.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • redofromstart
    • By redofromstart 24th Apr 18, 4:18 PM
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    redofromstart
    DIA I split the savings out into (five) different accounts. I make it hard to get it back out or it is too easy to 'just' dip in so the true emergency fund is in a passbook only account so I would have to go into branch to get it out but I can pay money in online.

    Stewing beef defrosted and in the pressure cooker with some stock. Will transfer to casserole and add mushrooms, carrots and dumplings later. I have some rye bread waiting to be baked so will half microwave some jacket potatoes and then finish them off in the oven, and crisp up some cooking bacon for packed lunches so the oven is full.

    Cold and raining, I am regretting leaving my thermals off today.
    • redofromstart
    • By redofromstart 24th Apr 18, 5:08 PM
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    redofromstart
    Earnings:
    A whole 40 pence of cashback has cleared. Prolific remains empty, and I am waiting on a 50p survey to clear so I can cash out.
    I ordered a 10 SB voucher yesterday and am half way to the next one.
    2.50 of e-reward/nectar requested, and signed up for Nectar canvass.

    Fritters:
    35 on an online course around style and colour. I'm blaming Rosabernica for this! Looking forward to it but feeling rather nervous as its outside my comfort zone. Its an investment into not wasting money in theory, no more spending on things that don't suit, etc.

    Useups:

    The dregs of a tube of hand cream and a tiny sample pot of eye cream. I also used my freebie REN facial oil last night. It made me smell like a chip shop but did a lot for my skin overnight. Might have to mix it with the rose scented one or something.
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