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  • FIRST POST
    • redofromstart
    • By redofromstart 31st Jul 17, 7:37 PM
    • 1,832Posts
    • 11,215Thanks
    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 74
    • BelleOfBilboa
    • By BelleOfBilboa 12th Jul 18, 3:02 PM
    • 21 Posts
    • 47 Thanks
    BelleOfBilboa
    Kudos to you!! Very well done! You definitely deserve a sit down with a nice glass of something
    Next £362.91/£324.91; Natwest OD £2000/£2000; Natwest Loan £1692.50/£1692.50; CDL £4000/£3790; Bank of M&D £2165.35/£2015.35 DFD 31/12/19

    • DrSpendLittle
    • By DrSpendLittle 12th Jul 18, 4:16 PM
    • 334 Posts
    • 1,143 Thanks
    DrSpendLittle
    Good stuff, Redo!
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £4,124.16/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £paid off/£1,894.92| Total Debt Repayments: £7,585.15/£12,585.14 (60.27%) | LBM Debt Exposure: £13,915.17 | Outstanding Debt: £4,999.99
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Jul 18, 7:15 PM
    • 4,569 Posts
    • 31,829 Thanks
    HairyHandofDartmoor
    The decluttering/tidying of his room is done. It'll need another hour of wall and carpet washing tomorrow though. I hate cats, and teenagers, and spiders.
    Originally posted by redofromstart
    Awwww you love them really (well maybe not the spiders )
    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.
    "Tough times never last, but tough people do" - Robert H Schuller
    • redofromstart
    • By redofromstart 13th Jul 18, 8:45 AM
    • 1,832 Posts
    • 11,215 Thanks
    redofromstart
    Thanks all - I couldn't sit down with a nice drink though - had to pick the boy up from school late from a school trip. Classic school sent a text 5 minutes before they were due to say at least 45 minutes late, actually an hour and a half late. Luckily he had a mobile and had let me know anyway. Some poor parents had been sat sweltering in the car for all that time with no contact.

    Last day boy free today so I need to make it count. I'm nipping up to the swedish store shortly for another chest of drawers then when I get back I want need to wash walls and carpets in the boys end of the house and change their curtains for the spares.

    I'm out for the day tomorrow for a much needed break, Might even sit down for some of it
    • redofromstart
    • By redofromstart 13th Jul 18, 8:53 AM
    • 1,832 Posts
    • 11,215 Thanks
    redofromstart
    Awwww you love them really (well maybe not the spiders )
    Originally posted by HairyHandofDartmoor
    I even quite like the spiders this morning. They catch the moths That R/kil moth killer spray I got form Wilkos is excellent by the way. As I cleared stuff out of the way I sprayed the empty patches and the odd one appeared as if by magic. It seems to attract and kill. I don't like killing anything but there doesn't seem to be a humane way of getting rid of an infestation otherwise.
    • redofromstart
    • By redofromstart 13th Jul 18, 11:06 AM
    • 1,832 Posts
    • 11,215 Thanks
    redofromstart
    Best laid plans and all of that. I was waiting to head up the m'way when the traffic had cleared, and to get there for opening time. Was just finishing my coffee ready to go when openreach turned up unannounced as they still have a fault showing on the line, even thought the internet was working again. Made him a cup of tea and cleared the middle hall so he could get to the master box, it has a fault (again!) and has had to be replaced. Such a messy, cluttered, pet hair filled space. I'm ashamed that someone has seen it. If they had made an appointment it'd have been cleared, cleaned and scrubbed. As it is I might as well stay in and sort it out before I put all the stuff back. Meh!
    • redofromstart
    • By redofromstart 13th Jul 18, 12:48 PM
    • 1,832 Posts
    • 11,215 Thanks
    redofromstart
    Some years ago I was at home in our tiny terrace, with a baby and a toddler and the meter reading person knocked on the front door. I was mortified. I had to let them in, and they got to see the state of the living room as the front porch opened straight into it. After that I never, ever sat down in that living room without making sure I wouldn't be ashamed if someone had to be let in. Never sat down at the computer if the same half an hour could be used to clear a mess. I signed up to Flylady, and slowly, slowly got the whole house under control before we sold it and moved to a much bigger house.

    What changed? Well, I got ill, increased my working days to five a week and the house/garden outstripped my time and energy. It got neglected for years. I can't see the mess any more, and sometimes I think I refuse to see it. I've been chipping away at it for a bit, as regular readers know, but I hadn't done much downstairs. Today I had to let a visitor in at no notice. He had to come in via the front door which lets into a little front hall, and the middle hall, rather than take him through the untidy kitchen and room of doom dining room. I'd shifted OHs stuff, and the dog cage, and quickly hoovered while he got his stuff out of the van but oh the shame. Switching the light on so he could see, and then I focused on the cobwebs and dust and pet hair and stuff everywhere. I'm so cross with myself for letting it get that bad. I hate the idea that he saw the frankly shockingly horrid state of the usually unused middle hall. It'd be so easy to just put everything back in, pretend nothing happened and go on like before. Instead I've abandoned the plans to go out and to do the boys room and I'm dusting, and washing walls and woodwork like a demon. It smells of bleach, not damp and dogs. The wood work is still ancient, yellow and peeling - but its no longer overlayered with years old dust.

    I'm so upset with myself, and mortified that someone has seen it. I don't even have the no time excuse after months at home.

    Look around you. If someone knocked on the door now and you had to let them in, how would you feel? If the answer is bad then get up and do something about it. Hoover. Empty the bins. Wash the dishes. Wipe the woodwork and the radiators. Don't be like me

    I've found a slice of cake from the freezer, and am having that with a cup of tea before I start again.
    Last edited by redofromstart; 13-07-2018 at 2:03 PM.
    • redofromstart
    • By redofromstart 13th Jul 18, 4:52 PM
    • 1,832 Posts
    • 11,215 Thanks
    redofromstart
    Middle Hall
    Back Hall

    Looks a lot better, clean but needs decorating. I can live with that.
    • DrSpendLittle
    • By DrSpendLittle 13th Jul 18, 5:33 PM
    • 334 Posts
    • 1,143 Thanks
    DrSpendLittle
    Awww Redo, I'm sorry you've experienced all these negative emotions today. My neighbour often says to me the queen isn't coming when I talk about cleaning the house at the weekend. In some cases, she is right - why should we feel the need to put on a show all the time? But in other cases, there is this thing called pride (and shame!) and I too would be mortified if my neighbour came into the house right now, with last nights dishes still in the sink and stuff scattered here, there and everywhere. I find tidying up after a messy DF difficult enough. I can't imagine what it must be like for you with a big house, a family and your ailment. And the various cat and garden-inflicted injuries you've sustained!! Promise us you'll give yourself a little bit of a break. And perhaps more cake. And, props (I think that's what today's youth use as a form of celebration) to you for doing the middle and back hall!!
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £4,124.16/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £paid off/£1,894.92| Total Debt Repayments: £7,585.15/£12,585.14 (60.27%) | LBM Debt Exposure: £13,915.17 | Outstanding Debt: £4,999.99
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Jul 18, 8:33 PM
    • 4,569 Posts
    • 31,829 Thanks
    HairyHandofDartmoor
    Well done for doing all that cleaning Redo . Shame can be a great motivator so go with it, whatever it takes. It's not just to impress visitors, it makes YOU feel better if the place is clean and tidy.

    Having said that do pace yourself physically and don't try and do too much in any one day. But believe me I have been there, done that and got the tee with regard to unexpected visitors and mess .
    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.
    "Tough times never last, but tough people do" - Robert H Schuller
    • RosaBernicia
    • By RosaBernicia 13th Jul 18, 8:57 PM
    • 3,514 Posts
    • 9,503 Thanks
    RosaBernicia
    Oh Redo well done, but please don't beat yourself up about it - or exhaust yourself physically - everybody has housework and everybody knows it can get out of control at times, especially when trying to juggle it with a job and kids and other things. Anybody who really turns their nose up probably isn't someone you want in your house much anyway (this is my theory and I'm sticking to it ). Have you found yourself some rewards for this - both little ones for getting through each bit and something bigger for later?

    As it happens mine is passably presentable today if you ignore the jungle you walk through to get to it - going to do some weeding and chopping on the weekend. But that is partly thanks to the Robovac which at least means the 'middles' get done, as I just can't be dealing with wrestling the proper vac out of the cupboard very often. And I've just looked at the state of the bathroom and decided that may have to be the next project as campervan set up fades out. I've been avoiding it as it means learning to fit a new toilet seat and put up a cupboard...


    Rosa xx
    Last edited by RosaBernicia; 13-07-2018 at 9:01 PM.
    Debt free May 2016
    MFW progress 3.9% ...
    Campervan loan progress 0%

    • doingitanyway
    • By doingitanyway 13th Jul 18, 9:49 PM
    • 3,131 Posts
    • 16,351 Thanks
    doingitanyway
    Look around you. If someone knocked on the door now and you had to let them in, how would you feel? If the answer is bad then get up and do something about it. Hoover. Empty the bins. Wash the dishes. Wipe the woodwork and the radiators. Don't be like me

    I've found a slice of cake from the freezer, and am having that with a cup of tea before I start again.
    Originally posted by redofromstart
    Thanks for sharing that story Redo and the paragraph above touched a nerve with me. I am thinking of flylady again or another system....I'm glad you had the cake and tea
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • redofromstart
    • By redofromstart 14th Jul 18, 8:11 PM
    • 1,832 Posts
    • 11,215 Thanks
    redofromstart
    Thanks peeps, no cleaning done today - apart from DW x 2 (1 before I left and 1 when I got back ) and no cake eaten.
    • greenbee
    • By greenbee 15th Jul 18, 7:24 PM
    • 12,666 Posts
    • 220,625 Thanks
    greenbee
    Hope you're still feeling relaxed...

    I have done nothing today other than move between the sofa and a sun lounger with a book, and occasionally hanging out some washing.

    Next door's 16 year old is currently valeting my car...
    • redofromstart
    • By redofromstart 15th Jul 18, 8:25 PM
    • 1,832 Posts
    • 11,215 Thanks
    redofromstart
    A pottering sort of day, went for a walk first thing before it got too warm and then the usual washing/bed changing/ironing circuit.

    I finally used the pavlova base I made last weekend with the dregs of a pot of cream, some strawberries and blueberries and a drizzle of raspberry coulis. I picked raspberries without injuring myself

    DS1 ate half of it I do envy him his metabolism.

    Also made quiche for packed lunches, and we had hairy dieters sticky chicken and coleslaw for dinner with some more of the lovely new potatoes.
    • doingitanyway
    • By doingitanyway 15th Jul 18, 8:28 PM
    • 3,131 Posts
    • 16,351 Thanks
    doingitanyway
    Pottering Sundays are my favourite.
    As usual the food sounds enviable. I can't wait to get an oven so I can make quiche
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Sun Addict
    • By Sun Addict 15th Jul 18, 9:22 PM
    • 5,912 Posts
    • 39,179 Thanks
    Sun Addict
    We all let the cleaning slide from time to time, especially when it's hot. I struggle to find the time to fit in full time work and getting what I want to do in the house done. Just before we had our new bathroom, a friend came to our house en route to another friend's funeral and wanted to use my loo. I was so embarrassed at the state of the bathroom at the time. We shouldn't feel like this really.
    Virtual Sealed Pot 2018 £296.07
    Debt £2300
    Weight loss 1/6LBS
    Emergency Fund £4000/£10,000
    • Starmummy
    • By Starmummy 16th Jul 18, 10:32 AM
    • 157 Posts
    • 678 Thanks
    Starmummy
    I refuse to believe anyone can be held responsible for the mess in a hallway. Everyday I tidy away rucksacks, put shoes back in the rack. Fold swim kits, tidy away (recycle) art projects, hoover, sweep etc etc and yet every time I put my key in the front door it looks like a bombs hit. My theory is the hall likes to be a mess so creates mess all by itself while I'm at work
    Debt at LBM (01/01/18) £17,937.19
    current Debt (02/07/18) £12,307.50
    31.4% gone forever
    DFD 12/09/19
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