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  • FIRST POST
    • redofromstart
    • By redofromstart 31st Jul 17, 7:37 PM
    • 2,301Posts
    • 14,627Thanks
    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 89
    • RosaBernicia
    • By RosaBernicia 6th Jan 19, 10:44 PM
    • 3,788 Posts
    • 11,162 Thanks
    RosaBernicia
    I'm using my rubbish storage heating as an excuse to buy lovely proper wool blankets

    But then have to fight the moggies off them
    Last edited by RosaBernicia; 06-01-2019 at 10:54 PM.
    Debt free May 2016
    MFW progress 5.5% ...
    Campervan loan progress 18%

    • doingitanyway
    • By doingitanyway 7th Jan 19, 2:23 PM
    • 4,157 Posts
    • 24,695 Thanks
    doingitanyway
    I'm using my rubbish storage heating as an excuse to buy lovely proper wool blankets
    Originally posted by RosaBernicia
    I bought a nice throw but I'm sending it back. I'm tempted by a mohair blanket to take its place. I'm hoping it will reduce in price. Nice blankets are worth it but pricey. Enjoy yours Rosa.
    • doingitanyway
    • By doingitanyway 7th Jan 19, 2:25 PM
    • 4,157 Posts
    • 24,695 Thanks
    doingitanyway
    Redo, I know aha you mean about heating costs. I try to keep it off during the day but sometimes it is cold and i think blow the cost!

    Walking sounds nice
    • Aaleigha
    • By Aaleigha 7th Jan 19, 7:34 PM
    • 567 Posts
    • 3,643 Thanks
    Aaleigha
    we want to open up the fire place and get a multi fuel burner for the lounge

    we are hoping some of the residule heat will go up stairs as the stairs are off the lounge

    but there are always blankets when we eventually move I wil be knitting some - however I bet they wont be ready till next winter
    SEALED POT CHALLENGE # 100
    pot 1 (unknown starting amount) £18 Pot 2 £10
    total £22.50
    EMERGENCY FUND
    £40/1000 plus some in my bank £138 total 178/1000
    DECLUTTER. 183/2019
    • redofromstart
    • By redofromstart 9th Jan 19, 9:33 AM
    • 2,301 Posts
    • 14,627 Thanks
    redofromstart
    Nice blankets and pets are generally not a good mix. Cats in particular will always sit on something, no matter how small it is folded. The lurcher sucks blankets, and has made a hole in the sofa one! I just buy fleeces from the Swedish place, and let them do their furry thing. Resistance is futile so £1.50 stripy fleeces are everywhere.

    I frittered 50p on a cat stocking in Wilkos yesterday. Left it on the window ledge and then found evil ex stray had carefully chewed through the wrappers to get to the cat nip drops. She didn't even want to eat them, just to roll lovingly on a bed of them. Mrs Fatpants had a mouse toy with some cat nip spray so she wasn't much better. The other two just ignore it, not fussed in the least.

    Carbonara for dinner last night, I hate pasta but everyone else loves it. Need to get back into a schedule of the Tuesday pasta/Wednesday sausages/thursday mince variety.
    • Aaleigha
    • By Aaleigha 9th Jan 19, 9:31 PM
    • 567 Posts
    • 3,643 Thanks
    Aaleigha
    Typical of cats they really dont want toys when you get them one then take it out on the furniture - my greyhound sucks blankets but they grinds his teeth too so not just soggy bits but soggy wholly blankets

    I want to get into a meal routine but at present we are using up what we have
    some interesting meals will be offered towards the end of the month
    SEALED POT CHALLENGE # 100
    pot 1 (unknown starting amount) £18 Pot 2 £10
    total £22.50
    EMERGENCY FUND
    £40/1000 plus some in my bank £138 total 178/1000
    DECLUTTER. 183/2019
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 19, 9:45 PM
    • 8,333 Posts
    • 64,234 Thanks
    HairyHandofDartmoor
    The furry moron licks our carpet. I wouldn't mind but it's always the same spot so we have one very clean patch and the rest is slightly manky. If only he'd do the whole carpet . He's munching his way through a Primani bag at the moment but will happily chew through electrical cables and enjoys attacking the laundry on the clothes horse. I'm sure a cat would be less troublesome .
    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 £2,000
    "Tough times never last, but tough people do" - Robert H Schuller
    • Seasidegal58
    • By Seasidegal58 9th Jan 19, 9:55 PM
    • 2,761 Posts
    • 17,446 Thanks
    Seasidegal58
    Nice blankets and pets are generally not a good mix. Cats in particular will always sit on something, no matter how small it is folded. The lurcher sucks blankets, and has made a hole in the sofa one! I just buy fleeces from the Swedish place, and let them do their furry thing. Resistance is futile so £1.50 stripy fleeces are everywhere.

    I frittered 50p on a cat stocking in Wilkos yesterday. Left it on the window ledge and then found evil ex stray had carefully chewed through the wrappers to get to the cat nip drops. She didn't even want to eat them, just to roll lovingly on a bed of them. Mrs Fatpants had a mouse toy with some cat nip spray so she wasn't much better. The other two just ignore it, not fussed in the least.

    Carbonara for dinner last night, I hate pasta but everyone else loves it. Need to get back into a schedule of the Tuesday pasta/Wednesday sausages/thursday mince variety.
    Originally posted by redofromstart
    My DD has given up with throws and blankets as her cat loves to claw at them.

    Could you use the carbonara sauce with something else rather than pasta just for you?
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 17/03/2019 - £2,448.68
    MONTHS TO RETIREMENT: 25
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • RosaBernicia
    • By RosaBernicia 9th Jan 19, 10:42 PM
    • 3,788 Posts
    • 11,162 Thanks
    RosaBernicia
    The furry moron licks our carpet. I wouldn't mind but it's always the same spot so we have one very clean patch and the rest is slightly manky. If only he'd do the whole carpet .
    Originally posted by HairyHandofDartmoor

    Debt free May 2016
    MFW progress 5.5% ...
    Campervan loan progress 18%

    • doingitanyway
    • By doingitanyway 10th Jan 19, 8:39 AM
    • 4,157 Posts
    • 24,695 Thanks
    doingitanyway
    I frittered 50p on a cat stocking in Wilkos yesterday. Left it on the window ledge and then found evil ex stray had carefully chewed through the wrappers to get to the cat nip drops. She didn't even want to eat them, just to roll lovingly on a bed of them. Mrs Fatpants had a mouse toy with some cat nip spray so she wasn't much better. The other two just ignore it, not fussed in the least.
    Originally posted by redofromstart
    Love this bit
    • redofromstart
    • By redofromstart 13th Jan 19, 9:18 AM
    • 2,301 Posts
    • 14,627 Thanks
    redofromstart
    Had to laugh at the furry moron and his spot cleaning HHOD

    Many years ago when I was 10 or so (some, many, lots) a lovely lady came to school and did a cooking demonstration. That was what set me off wanting to be able to cook properly. One of the things she made was a simple chocolate mousse and I always wanted to try making it. Anyway, I wanted to make a pudding yesterday that we could all eat, and I remembered that demonstration. Isn't it funny how these things stay with you?

    The boys loved it, indeed the boy who doesn't eat had seconds!

    Simple Chocolate Mousse

    I melted 140g chocolate (did mix of dark and milk, 30p bars Al/ldl) and left it to cool a little. Separate two eggs, and then whisked the two whites to stiff peak. Stirred in a couple of spoonfuls of sugar and then whisked again. Added the two beaten yolks to the melted chocolate and added a bit of cream (optional), mix well before adding a spoonful of the whisked whites. Fold it in carefully, once the first bit is in then you can add half of the rest, etc. Spoon it into ramekins (did 4 nicely) and then fridge for a few hours to set, or freezer if you are in a rush. Worked out at just under £1 for the 4.

    Very adaptable, all dark chocolate is nice but the boys aren't keen. Can add flavours with the egg yolks - alcohol or orange zest for example. They do contain raw eggs so not for everyone.
    • lonelyrat
    • By lonelyrat 13th Jan 19, 10:54 AM
    • 559 Posts
    • 1,622 Thanks
    lonelyrat
    Chocolate mousse sounds lovely Will be having a go! I wish I was a better cook.. I'm quite rubbish but also quite a picky eater so not sure if I'm just rubbish as I never try anything new.

    Absolute rubbish about the Turkey. A defensive response is really poor customer service. Word of mouth is so important, companies really need to try harder to make up for mistakes. Grumble grumble!
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
    • doingitanyway
    • By doingitanyway 13th Jan 19, 12:07 PM
    • 4,157 Posts
    • 24,695 Thanks
    doingitanyway
    Many years ago when I was 10 or so (some, many, lots) a lovely lady came to school and did a cooking demonstration. That was what set me off wanting to be able to cook properly. One of the things she made was a simple chocolate mousse and I always wanted to try making it. Anyway, I wanted to make a pudding yesterday that we could all eat, and I remembered that demonstration. Isn't it funny how these things stay with you?
    Originally posted by redofromstart
    Lovely recipe especially as I can make it without an oven.
    It's funny how we are all influencers at different times in our lives and we have no idea when. I bet that lovely lady had no idea you would be sharing her recipe years later
    • redofromstart
    • By redofromstart 13th Jan 19, 7:16 PM
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    • 14,627 Thanks
    redofromstart
    Lonely rat, I didn't really cook much till I was 30 and on mat leave. Always been a picky eater, and tended to live on junk. Didn't want to pass that onto the boys. DS2 is just as bad as me sadly.

    DIA I do like to think how many touring demos go on in schools that inspire people. Fond memories of authors and poets, musicians and artists. I was always a reader and I got so much out of those visits. I even vaguely remember some footballer or another (Keegan maybe?) who was politely tolerated in a Rugby League playing town.

    I've been on a use up the veg drawer mission so tonight was pot roast beef with various veg, and a cobbled together onion and leek gratin in a cheese sauce. V nice if I do say so myself.
    • Seasidegal58
    • By Seasidegal58 13th Jan 19, 9:22 PM
    • 2,761 Posts
    • 17,446 Thanks
    Seasidegal58
    Yummy chocolate mousse! I shall definitely keep this recipe redo - it doesn't appear hugely calorific if you omit the optional cream.

    Interesting that you had all those touring demos visiting your school - I can't remember any visiting my school - or maybe my dementia is settling in again!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 17/03/2019 - £2,448.68
    MONTHS TO RETIREMENT: 25
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • redofromstart
    • By redofromstart 14th Jan 19, 3:57 PM
    • 2,301 Posts
    • 14,627 Thanks
    redofromstart
    I think Authors visiting schools was something organised by the county in those days, now it's more up to individual schools to decide if they can justify it from their budget which is tragic really. Diana Wynne Jones (my favourite 'childrens' author) credits a chance conversation with a child at one of those school events for the idea of the multi dimensional castle in 'Howls Moving Castle' which is one of my favourite books.

    MrW delivered this morning, one of those money off vouchers, combined with the offers and cash back from the bank that made them economically viable. Still have nothing in for dinner, obviously. Is it just me who does that?

    I've read parsnipheads comments about decluttering and Seasidegal on the 31 day clean stuff and thinking I really must get off my backside and crack on. It's too easy to just let life slide past all of the time.
    • natsplatnat
    • By natsplatnat 14th Jan 19, 4:36 PM
    • 2,944 Posts
    • 2,700 Thanks
    natsplatnat
    [QUOTE=redofromstart;75289466]Nice blankets and pets are generally not a good mix. Cats in particular will always sit on something, no matter how small it is folded.=QUOTE]



    Oh mine are quite happy to avoid the fleeces on both beds and lay directly on my (currently white) duvet covers.... both cats are black!! And they have both decided over the weekend they no longer like 2 flavours of the multipacks of (4 flavour) pouches they have been eating for a year or so... Fickle creatures!!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*


    • greenbee
    • By greenbee 14th Jan 19, 5:15 PM
    • 13,083 Posts
    • 224,331 Thanks
    greenbee
    MrW delivered this morning, one of those money off vouchers, combined with the offers and cash back from the bank that made them economically viable. Still have nothing in for dinner, obviously. Is it just me who does that?
    Originally posted by redofromstart
    Nope. That's because you order ingredients, not pre-prepared meals. So it requires effort. i'm thinking dried cranberries and cooking chocolate tonight... however, I think I've finally got W to sort out my account, which was on my old email address and couldn't be changed, so I might actually be able to use them for deliveries again.

    I've read parsnipheads comments about decluttering and Seasidegal on the 31 day clean stuff and thinking I really must get off my backside and crack on. It's too easy to just let life slide past all of the time.
    Originally posted by redofromstart
    I'm getting less precious about binning stuff. The space has more value in terms of both the overhead in keeping it clean and the mental benefit of having a space to live in that isn't depressing...
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 19, 5:36 PM
    • 8,333 Posts
    • 64,234 Thanks
    HairyHandofDartmoor
    "The space has more value in terms of both the overhead in keeping it clean and the mental benefit of having a space to live in that isn't depressing."

    I do very much agree with this, space is a very valuable commodity physically and for your mental health.

    The chocolate mousse sounds lovely, if only I wasn't too lazy to make it
    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 £2,000
    "Tough times never last, but tough people do" - Robert H Schuller
    • lonelyrat
    • By lonelyrat 14th Jan 19, 10:51 PM
    • 559 Posts
    • 1,622 Thanks
    lonelyrat
    Hmm... I'm 28 so I've got two years to get myself sorted Am going to make a conscious effort to try and cook more/ have a repertoire of relatively healthy meals I can make well. Will have a nosey back through your diary to find some for inspo

    The space has more value in terms of both the overhead in keeping it clean and the mental benefit of having a space to live in that isn't depressing.
    Going to have a shuffle through all my "stuff" soon and keep this in mind. Very wise Greenbee!
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
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