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  • FIRST POST
    • MeandO
    • By MeandO 22nd Jun 18, 12:10 PM
    • 1,513Posts
    • 7,214Thanks
    MeandO
    MeandO's money-shuffle
    • #1
    • 22nd Jun 18, 12:10 PM
    MeandO's money-shuffle 22nd Jun 18 at 12:10 PM
    Hello all,

    I've snuck back over from the MFW board as I still don't really feel 'at home' over there, so I hope no-one minds me creeping back in over here.

    I don't really have any debt other than my mortgage (and around £600 on a 0% credit card, which gets paid down considerably monthly and was mostly business expense which will be covered later in the year). However, I am a single mum to one, now working part time, so have to budget really hard to pay the bills, save money monthly for yearly expenses and emergency savings 'pots' and attempt to overpay the mortgage at the same time as making sure my DS and I have fun.

    I'm forever shuffling little bits of money from one place to another (hence the title ) in order to meet my self-imposed savings or mortgage repayment targets. Sometimes this is from saving money on the grocery budget, selling on ebay/FB/gumtree or from doing surveys, but I try and remember that every penny makes a difference.

    I've paid off a lot of debt over the years and had several debt-free diaries, and, if I don't plan things properly and let things slip, it would be very easy for me to get back into debt. I also treat my mortgage as a debt (which it obviously is) that I need to repay ASAP and save interest on, so am forever chipping away at it.

    UPDATE August 2018: Unexpected, but essential, house repairs mean I now have a debt of £4320 on a 0% credit card to pay off, so mortgage overpayments have been put on hold for now. I'm chipping away at it in the same way as I was doing with the mortgage, so hopefully it will be gone sooner rather than later.

    Here's a link to my last diary:
    https://forums.moneysavingexpert.com/showthread.php?t=5742079

    Feel free to shuffle along with me!
    M
    x
    Last edited by MeandO; 15-08-2018 at 9:16 AM.
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
Page 3
    • crazy_cat_lady
    • By crazy_cat_lady 2nd Aug 18, 10:42 AM
    • 3,735 Posts
    • 31,952 Thanks
    crazy_cat_lady
    Hope the workmen have turned up today - I hate when people do that
    Achievable August NSD #18 3/15 1 debt vs 100 days £35.19/£1685
    DFD #1: 6 Nov 15 - paid £28,447
    • MeandO
    • By MeandO 2nd Aug 18, 11:22 AM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Thank you HSL2 and crazy_cat_lady. They've now given me a 3 hour window for their visit this afternoon...

    Not such a great sleep was had last night, but I know that's my own fault for surfing 'tinternet til quite late. I was looking for a cheap break for OH and I for later this month when we both have 3 days free and want to get away somewhere (UK based and not too far to drive).
    This morning I booked a trusty premier inn in a nice area with lots of walks and a nature conservation place nearby for which we have membership. The cost was £136.50 with breakfast for two nights, which we'll go halves on. We'll take a picnic with us and stop at the nature place the first day and, after a good breakfast, we don't tend to eat again until the evening, so it will be a cheap weekend.
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • MeandO
    • By MeandO 3rd Aug 18, 5:36 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    I!!!8217;ve been having yet another nightmare.
    Building repairs have more than doubled after more problems have been found and the estimated cost was just shy of £12k last night. Needless to say, I didn!!!8217;t sleep, but spent most of last night panicking, upset and feeling sick.
    Unfortunately none of it is covered on the insurance.

    After a lot of discussion with the building firm and looking at various options, plus,I think a bit of them feeling sorry for me and promise of cake(!) it!!!8217;s now down to just over £10k.

    My parents are insisting they step in and help me again to which I feel so incredibly guilty about. I haven!!!8217;t told them the full cost though as I do not want them giving me that amount of money, so I will need to find around £4K. The plan is to put that on the credit card which is 0% for 2 years, cease mortgage overpayments for now and pay it off as quickly as possible, throwing everything at it.

    Items I bought this week before this happened have arrived and have already been sent back, so i!!!8217;ve already made around £100 to go towards the debt that will be built up. I can probably throw at least another £100 at it before the end of the month.

    The eBay stuff is being listed at the weekend and it!!!8217;s a journal into frugaldom like i!!!8217;ve Never frugalled before...

    I am so tired of disaster after disaster though.
    Last edited by MeandO; 03-08-2018 at 9:37 PM.
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • crazy_cat_lady
    • By crazy_cat_lady 3rd Aug 18, 8:25 PM
    • 3,735 Posts
    • 31,952 Thanks
    crazy_cat_lady
    Ah no, I'm really sorry to hear this.
    Life has this habit of just chucking one thing after another - I hope that this will be it for you, and I'm really sorry it's not covered on insurance as well.
    Achievable August NSD #18 3/15 1 debt vs 100 days £35.19/£1685
    DFD #1: 6 Nov 15 - paid £28,447
    • loopybecs
    • By loopybecs 3rd Aug 18, 9:49 PM
    • 602 Posts
    • 2,118 Thanks
    loopybecs
    Hey lovely! I've just read your diary and subscribed So sorry that life isn't being kind right now. You deserve a break. Sending you a hug and I hope you can have a nice weekend despite everything going on xxx
    Mortgage: £88,000.00 £86,500.00
    Loan From Parents: £15,300.00 £15,100.00
    Emergency Fund: £100.00/£5,000.00

    New Car Fund: £50.00/£6,000.00
    Single mama to 2 little girlies
    • Honeysucklelou2
    • By Honeysucklelou2 3rd Aug 18, 10:58 PM
    • 993 Posts
    • 4,195 Thanks
    Honeysucklelou2
    Sorry to read about the estimated cost of repairs...must have been quite a shock. Have you got an idea of when they can start the work? ( From the perspective of, do you have an idea of how quickly you need to find the 4K?)
    Last edited by Honeysucklelou2; 04-08-2018 at 3:47 AM. Reason: Clarification
    paydbx #93 £784.50/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • MeandO
    • By MeandO 4th Aug 18, 12:22 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Hey lovely! I've just read your diary and subscribed So sorry that life isn't being kind right now. You deserve a break. Sending you a hug and I hope you can have a nice weekend despite everything going on xxx
    Originally posted by loopybecs
    Hello loopybecs, thanks for popping by and for the hug! I remember you from ages ago when Lilty and jellytot were around. Am good friends with lilty still, we were speaking this morning! I was really sorry to read things didnít work out with you and the ex, but, having been there myself I know some things happen for the best despite feeling otherwise at the time.
    Love to you and your girls for a fab weekend xx
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • MeandO
    • By MeandO 4th Aug 18, 12:26 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Sorry to read about the estimated cost of repairs...must have been quite a shock. Have you got an idea of when they can start the work? ( From the perspective of, do you have an idea of how quickly you need to find the 4K?)
    Originally posted by Honeysucklelou2
    Hello HSL2, they started work yesterday - very noisy canít hear a thing or possibly hide from the noise work too. Iíve paid them £6k today and will pay the rest on completion. It can go on the credit card for now but I will be in a self-enforced hurry to pay it off. I hate having an outstanding credit card balance these days, it makes me so uneasy.
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • MeandO
    • By MeandO 4th Aug 18, 12:40 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    So, as my post above, iíve parted with £6k today. Itís gone on the credit card, but that £6k will be paid off on the 9th when the cheque from my parents has cleared. I am so indebted to them, I donít know what iíd do without them.
    Then, there will be between £4k-£5k for me to pay on the cc and clear.
    I am feeling a bit more positive about doing it now. I have no choice and thereís no point being miserable about it. As soon as I have paid it off I can begin overpaying the mortgage again, so thatís a big incentive.

    DS is home! iíve really missed him. Heís had an awesome time with his dad though so thatís the main thing.
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • loopybecs
    • By loopybecs 4th Aug 18, 2:43 PM
    • 602 Posts
    • 2,118 Thanks
    loopybecs
    Hello loopybecs, thanks for popping by and for the hug! I remember you from ages ago when Lilty and jellytot were around. Am good friends with lilty still, we were speaking this morning!
    Originally posted by MeandO
    Yes I remember you too! And Lilty I hope she's doing well, and Jelly! She pops up on my Instagram every now & then. Give her my love!
    Mortgage: £88,000.00 £86,500.00
    Loan From Parents: £15,300.00 £15,100.00
    Emergency Fund: £100.00/£5,000.00

    New Car Fund: £50.00/£6,000.00
    Single mama to 2 little girlies
    • stepuptothepl8
    • By stepuptothepl8 4th Aug 18, 5:33 PM
    • 876 Posts
    • 4,375 Thanks
    stepuptothepl8
    Hi
    Give them my love too! So sorry to hear of all the building issues, aren't your parents lovely? Totally get you not wanting to borrow all of it from them. Fingers crossed for smoother times very soon x
    LBM 1st Feb 2015 £16208 to go
    my diary: time to step up to the plate. SPC#503
    • MeandO
    • By MeandO 4th Aug 18, 5:58 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Iím trying to persuade her to come back... perhaps sheíll put in a guest experience! Xx
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • MeandO
    • By MeandO 4th Aug 18, 6:08 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Hi
    Give them my love too! So sorry to hear of all the building issues, aren't your parents lovely? Totally get you not wanting to borrow all of it from them. Fingers crossed for smoother times very soon x
    Originally posted by stepuptothepl8
    Thank you lovely x
    Do you remember Levi? I often wonder what became of him. I hope things got easier for him.
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • Moguline
    • By Moguline 5th Aug 18, 8:39 AM
    • 304 Posts
    • 879 Thanks
    Moguline
    Aw, sorry to hear about your repair bill. You've done very well to reduce it as much as possible though! Keep at it!
    LBM: Christmas 2017 Highest debt (01/01/2018): £23,786 As of 30/07/2018: £19,570.38 Total reduction in 2018: -£4,215.90 DFD of my dreams: 31/12/2019
    • MeandO
    • By MeandO 5th Aug 18, 12:49 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Thank you Moguline x
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • MeandO
    • By MeandO 5th Aug 18, 1:00 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    I had another awful night!!!8217;s sleep and i!!!8217;m really struggling today because of it so I!!!8217;m not planning anything ambitious today. It!!!8217;s really hot and sunny here today and DS and I are sat inside currently - he!!!8217;s watching something on tv - I feel really guilty that we should be out doing something, but he has asked to watch this programme, seems happy enough and we won!!!8217;t be in the house much this coming week. I am so very tired and have no oomph in me to do much either...

    DS and I had a nice chilled morning, watching a film in our PJ!!!8217;s with toast in front of the telly. We then went to pick up his trainers I!!!8217;d ordered to a store for him, both of which have turned out to be too big so will need to be returned. I was hoping to avoid the stress of shoe shopping in the summer holidays but it seems we!!!8217;re going to have to venture into an actual shop and try some on as he currently has no trainers as his others had to be thrown out.

    Whilst out we popped into home bargains and picked up some much-needed hair dye for me and two rolls of kitchen foil as it was only 35p.

    I also picked up some bananas, carrots, mushrooms, pears and a yellow sticker stir fry veg pack for me to use tonight, spending under £4 there.

    Last night we made a quick dash to our corner shop for a loaf of bread after discovering the last bit of bread I had had gone mouldy. I also picked up a can of Pepsi to try and perk me up a bit and a lottery ticket as the answer to all my problems..
    Last edited by MeandO; 05-08-2018 at 1:06 PM.
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • dustydigger
    • By dustydigger 5th Aug 18, 3:57 PM
    • 513 Posts
    • 1,792 Thanks
    dustydigger
    Sunday afternoons I always come on MSE to read diaries,and today it was yours. I always learn something from the diaries and today's lesson was stop feeling sorry for myself and being grumpy! You have had some mighty bad luck lately and somehow you keep on marching(or occasionally limping) forward despite,as Shakespeare said,''When sorrows come,they come not single spies,but in battalions''. Good for you!: I have subscribed and will be rooting for you ,whilst giving myself a good telling off for self pity.

    SPC 2018 # 012 -
    £2 Savers 2018 #19 £144 Tesc* Xmas Savers £23.18
    Icel@nd bonus card £20 House & Home Fund 2018 - £252 (plus £174 from 2017 = £426)
    weight loss - 3st AF Mar-July 147 days+ Aug 17/24 Books read Aug 9/14 Prolific £0

    • MeandO
    • By MeandO 5th Aug 18, 7:43 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Thank you for your kind words dusty digger, itís lovely to have people like yourself popping in now and then.
    Iíd be lying if I said I donít have moments of self-pity, but then I know it doesnít really achieve anything or make me feel better, so itís just a case of rolling up the sleeves and getting on with it really. My Mum deals with horrendous pain, a very restricted quality of life and huge challenges daily but is one of the most positive people I know. I always tell myself that I really do have nothing to complain about and have no excuse for negativity when she can be so positive in the circumstances.
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • MeandO
    • By MeandO 5th Aug 18, 8:43 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    I made it through the day without falling asleep... just about.

    Two loads of washing have been done and line-dried today. We also walked to a beautiful local park and had a little treasure hunt for hidden painted rocks which seems to be quite a popular local activity around here at the moment. We hid some of our own at the same time.
    We popped into OHís for a while, sat in the garden, then walked home, so did get out of the house for a bit of fresh air this afternoon.

    DS is fast asleep in bed, Iíve showered, washed and dried my hair and used up 2 small bottles of body lotion and a mouthwash bottle. Iím not really one to stockpile toiletries but I am making sure I use up everything I have first before buying more. My Mum gave me loads of little travel bottles of shampoo, conditioner, body wash & lotion etc. too, so they will be useful when we go away as well as making the pennies stretch a bit further at home.

    Iíve taken a batch-cooked bolognaise sauce out of the freezer for DS tomorrow and some pork loins for myself and possibly OH in the evening. If he doesnít come over for food it will be used for lunch the next day.

    Not much else to report, other than an early night after a bit of reading for me. Hopefully I sleep better tonight otherwise tomorrow is going to be a real struggle.

    X
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
    • MeandO
    • By MeandO 9th Aug 18, 6:34 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Just a quick update before getting DS bathed and in bed.

    £6208.46 cleared off the credit card, leaving it at zero. It won!!!8217;t be like that for long though unfortunately as I will need to pay the rest of the repair bill balance off when the builders have finished. I think I have a few weeks yet though as progress seems rather slow.

    I!!!8217;ve topped some of the saving pot balances up - £75 extra gone to the car and house insurances/tax/mot etc. This is now at £400.
    £100 has gone to the birthdays and Christmas pot, making that up to £200. Finally, the emergency savings has had £150 put in it, raising the total to £900.

    DS and I have had a day out today at a tourist attraction about half an hour!!!8217;s drive from us. I saved £20 on admission with Tesco vouchers, so cost me £7 to get in. We took a picnic, but did Spend a bit whilst out today. We!!!8217;ve had a pretty free week so far though so i!!!8217;m Not that bothered. We are going out tomorrow too and have budgeted around £50 for our day although hope to make it a lot cheaper.
    That!!!8217;s the financial round up, mood-wise i!!!8217;m not feeling great. Had horrible news about my Mum, DS has been suffering with his condition and this house stuff is really getting me down too. Also feeling extremely fat, unfit and unwell. I!!!8217;m a bit of a wreck at the moment really but i!!!8217;m really trying to keep going.
    House repairs: £4320 £4073.75 (£246.25 saved)
    Mortgage Feb 2015: £102,000 Mortgage now: £75,270.11
    2018 mortgage OP's: £1525.14/£1800
    Emergency Fund: £850/£5000
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