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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 4
    • crazy_cat_lady
    • By crazy_cat_lady 10th Aug 18, 1:48 PM
    • 3,735 Posts
    • 31,952 Thanks
    crazy_cat_lady
    Keep going. Small steps, every little thing counts to keep you from falling into a rut. It's ok to feel rubbish - we all do. Just do what you can, when you can - no pressure. Lots of love to you and the family.
    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 10th Aug 18, 5:33 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Thank you crazy_cat_lady Xx

    Today DS went out to the nearest big city to us, around 45 minutes away. We had a lovely time playing Adventure Golf and DS even won himself another round at a later date! Lunch out for the two of us only cost me 2.70 thanks to Clubcard vouchers and we ate very well.
    DS bought some Lego, but was given a budget and stuck to it, with a penny change! and I bought some cake home from a favourite cake shop for us all to share. We really did have a lovely time.

    Unforutnately that ended abruptly when we got home, walked into the Lounge and could see the sky through a hole in the lounge wall that definitely wasn!!!8217;t there when we left...
    Turns out the builders had been whilst we were out, drilled through the wrong section, made a hole big enough to put my fist through and then gone home, without feeling the need to tell me. It took me ages to track someone down from the building firm who then sent someone back round. Although he !!!8216;can!!!8217;t do anything about that until Monday!!!8217; as he didn!!!8217;t have his tools... He stuffed a carrier bag in it and left.
    I!!!8217;m on the edge with it all now, I really 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
    • MeandO
    • By MeandO 11th Aug 18, 5:34 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    22.21 paid our from top cashback yesterday, as soon as its cleared I will send it to one of the various pots.

    Had a lovely morning with DS, dropped him at his Dads a couple of hours ago and already missing him like crazy. I wont be seeing him for 9 days now as hes away with his Dad and am dreading it. Ill be at work and am sure the builders will be giving me enough to sort out and keep busy, but this is the longest I would ever have been away from DS and I always feel like Im half missing without him. Were a little team these days.

    OH and I popped into Tesco on the way back earlier and I picked up some yellow sticker bargains, including some dairy-free foods for DS which I have portioned up and frozen. OH also had a 4 off a 30 spend so we used that too.
    Im back at home now, have had a shower, just about to tidy up and perhaps hoover before going to OHs.
    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
    • Honeysucklelou2
    • By Honeysucklelou2 11th Aug 18, 6:09 PM
    • 993 Posts
    • 4,195 Thanks
    Honeysucklelou2
    Just catching up on your diary. at the builders for leaving your house like that without saying anything. Hope you have a dry weekend and that they appear first thing on Monday to sort everything out.

    Your days out with your DS sound lovely.
    paydbx #93 784.50/8,000.
    Loan 17k - paid off in Aug 2017. Home improvement loans 3342 March 2017. 3123 in Jan 18
    • Moguline
    • By Moguline 12th Aug 18, 8:38 PM
    • 304 Posts
    • 879 Thanks
    Moguline
    That's shocking, you should ask for some money off whatever they're paying you!!
    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 13th Aug 18, 4:24 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    After a night of not sleeping more than a couple of hours, worried about my Mum, missing DS, worrying about the house and going over my argument to the builders this morning, I am shattered. OH probably is too as I kept him awake most of the night with my tossing and turning and eventually, I got up at some ungodly hour and walked about for a bit.
    As above, I have had a right go at the two main bosses of the building firm this morning. Long story short, they will be fixing the damage and I have requested for them not to come out again until they can finish the job in one hit. Seems they have spread themselves too thin and are trying to get lots of jobs started at once, hence the haphazard repairs I have had so far. Someone is coming to secure and waterproof thing this afternoon and then I will expect them to be returning in around two weeks. I can really do without all of this at the moment, I am feeling so incredibly stressed and on the edge of losing it.

    The remaining amount payable once the job is completed will be 4320. This delay does give me a bit longer to try and scrimp/save/make some money towards the final bill which, I imagine, I will need to pay in around 4 or 5 weeks' time, all going to plan. I've changed the name of one of my e-saver accounts linked to my current account which has now depressingly gone from 'Holidays 50pm' to 'House repairs 4320.' Anyhow, it will give me somewhere to save money towards the bill for now.

    I have tidied up the categories on YNAB and have managed to send 20.84 to it that way and have also relegated the 30 that was sat in the holidays fund to the house repairs now, so there's 50.84 in it so far.
    Last edited by MeandO; 13-08-2018 at 5:00 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
    • MeandO
    • By MeandO 13th Aug 18, 5:04 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Had to stop writing the above as 'nice' builder turned up to do remedial stuff until they can return and start work with gusto (hopefully).

    With regards to the debt repayment savings, I will be pleased if I can get the savings up to 350 in there within 4 weeks and at least get it down into the 3000's. Then it will be a case of chipping away at it as best I can until it's gone. I know I can pay off at least 150 a month to it, but that wont clear it quick enough for my liking, so I need to find ways to get that gone quicker.
    My spare bed is covered with piles of clothes to list on ebay, so that's a good place to start...

    Oh, and I've changed my signature to reflect the new debt-busting challenge.

    House repairs: 4320 4269.16
    Mortgage Feb 2015: 102,000 Mortgage now: 75,270.11
    2018 mortgage OP's: 1525.14/1800
    Emergency Fund: 900/5000
    Last edited by MeandO; 13-08-2018 at 5:10 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
    • MeandO
    • By MeandO 13th Aug 18, 5:18 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Another 20 has been transferred to the house repairs pot from a couple of my small craft business sales, so that's 70.84 now in there.
    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 14th Aug 18, 10:11 AM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    OH transferred 10 he owed me for some groceries so I've sent that and a little 1.41 from tidying the budget categories, to the house repairs pot.

    House repairs: was 4320 now 4237.75 (82.85 saved)


    Last night I popped to Home Bargains and picked up some vitamins for DS (1.99 in home bargains, 4.99 in Asda! ) as he is on a restricted diet due to allergies and has to take vitamins. I also picked some up for myself in the hope of a bit of a boost along with some face wash and dry shampoo at 2 for 2.
    I needed to stock up on wrapping paper, a birthday present and I also picked up some cheap bits for DS for Christmas and stocking fillers ranging from 49p to 2.99. I spent a total of 29.12, but 17.89 of it was gifts so I've transferred that from the gift account.

    Some YS chicken is out of the freezer and defrosting for OH and I to make fajitas/tacos tonight. We picked up some really cheap taco packs in tesco for 50p the other day, reduced from 3, and they came with the wraps, marinade and salsa. We bought 3 each, so may be having variations of tacos for a while! I have some peppers and onions that need using up, so will throw those in the mix too.

    I'm hoping to cut the grass after work today. I was too tired to face it last night but want to get it done before it rains again.

    I also have all the ingredients in for a Mojito loaf cake which I've been meaning to make for over a week now. Hopefully I will get that in the oven tonight too.

    Have a good day all
    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
    • crazy_cat_lady
    • By crazy_cat_lady 14th Aug 18, 11:19 AM
    • 3,735 Posts
    • 31,952 Thanks
    crazy_cat_lady
    Hope all of this business with the house is sorted soon - it sounds so stressful. I'm a lot like you in that I stress over everything during the night and then dont sleep.
    Would love to hear more about mojito cake...
    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 14th Aug 18, 12:53 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Thank you crazy_cat_lady. It's awful taking stress to bed isn't it. I actually slept well (for me) last night for a change, so am hoping the sleep will get better from hereon.

    Mojito cake sounds brilliant doesn't it! It was a recipe from either and Asda or Tesco free in store magazine a couple of months ago. I shall report back on how it goes! Let me know if you'd like the recipe, I will copy it out for you. 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
    • crazy_cat_lady
    • By crazy_cat_lady 14th Aug 18, 8:50 PM
    • 3,735 Posts
    • 31,952 Thanks
    crazy_cat_lady
    Oh yes please - Id love the recipe !!!128513;
    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 15th Aug 18, 8:54 AM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    No problem lovely, I shall copy it out for you when I'm home later today.

    It was lovely by the way... there's not much left!
    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 15th Aug 18, 8:58 AM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    The tax credits have gone in today so I've topped up the grocery, diesel and spending budgets a little to last until payday and transferred 164 to the house repairs pot. This would normally go as a mortgage overpayment but am trying not to be too about it.

    House repairs: was: 4320 now: 4073.75 (246.25 saved)

    I will aim to get it down into the 3k's by the end of the month, should be easily doable with payday just over a week away.
    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 15th Aug 18, 3:57 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Heres the mojito cake recipe for crazy cat lady and anyone else whod like it:

    Mojito drizzle loaf cake

    2 limes
    175g butter
    3 eggs
    225g caster sugar
    10g desiccated coconut
    50ml white rum
    10 mint leaves plus extra to decorate

    Preheat oven to 180c/gas 4. Grease & line a 21cm loaf tin.
    Finely zest limes, then juice both.
    Put butter, eggs, 175g of the caster sugar, flour, coconut & half the grated lime into a bowl. Whisk for 2-3 mins.
    Spoon mixture into the loaf tin and bake for 25 mins. After this, Cover loosely with foil and bake for another 25 mins until golden.
    Put lime juice, rum, mint, remaining zest & remaining 50g of caster sugar in a pan. Bubble for 3-4 minutes until syrupy.
    !!!!! the top of the cake with a fork, drizzle over syrup and leave to cool completely in the tin.
    Top with extra mint leaves.

    Enjoy!
    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 15th Aug 18, 4:05 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Im home from work and the second load of washing is in the machine. I took all of OHs bedding home the other day to do as he doesnt have a dryer or much space to hang washing and the weather isnt line-friendly at the moment.

    First load has gone into the tumble dryer, hopefully I can leave the second lot to dry on the airier in the conservatory.

    I have another cake in the oven a blackberry cake this time, made from a tub of stewed blackberries OH had taken out of the freezer to use up. I shall caramelise some apples that need using in the fruit bowl and pop those on the top too.

    Dinner will be YS salmon from OHs freezer with some cous cous stuffed peppers. Im trying not to pick up any more groceries until absolutely essential.
    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 15th Aug 18, 7:29 PM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Cake made, mixed result, but edible!

    Feeling so close to tears tonight. I!!!8217;ve discovered another potential problem with my house which could be a huge issue. Only discovered when seeing the other side of my property from my neighbour!!!8217;s house. It!!!8217;s something which should have been picked up on the buildings survey I had done before buying it, but wasn!!!8217;t. I!!!8217;m guessing it!!!8217;s going to be near impossible to fight that two years down the line though.
    Oh, and I possibly have rodents in the cavities of the house. Next door does and it!!!8217;s a semi.

    Learnt today my Mum is being investigated for throat cancer on top of everything else too.

    I could really cry.
    Last edited by MeandO; 15-08-2018 at 7:31 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 15th Aug 18, 7:39 PM
    • 3,735 Posts
    • 31,952 Thanks
    crazy_cat_lady
    Deep breaths - lots of love to you
    I am going to cross my fingers and hope for good news on every front. Maybe it won't be as bad as you're fearing. If you're anything like me, you'll automatically imagine the worst case scenario happening, and it's not always that bad.

    Thank you for that recipe - it's much appreciated x
    Achievable August NSD #18 3/15 1 debt vs 100 days 35.19/1685
    DFD #1: 6 Nov 15 - paid 28,447
    • Honeysucklelou2
    • By Honeysucklelou2 15th Aug 18, 11:24 PM
    • 993 Posts
    • 4,195 Thanks
    Honeysucklelou2
    Thank you for the cake recipe, will have to try that this weekend!

    Sorry to read about the continuing problems with the house. Is it worth getting rodent/pest control people in?

    Thinking of you and your mum.
    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 16th Aug 18, 9:33 AM
    • 1,513 Posts
    • 7,214 Thanks
    MeandO
    Thank you for the kind wishes crazy_cat_lady and Honeysucklelou2, it's much appreciated.

    I didn't have the best night's sleep last night so am feeling tired and achey today. Think I might have a hot bath when I get home from work to try and soak away a bit of the tension.

    I hit desperation last night and bought a couple of lottery tickets! I don't usually play it, but I do have an online account and the minimum you can deposit is 10, so that has been taken out of my spending money on YNAB. I'm looking forward to entering the million pounds back into YNAB I am going to win this weekend...

    I've completed another survey this morning which has earnt me enough points for another 2 Amazon voucher, which I've requested.

    I resisted the strong temptation to stop and buy myself breakfast from the bakery on the way to work this morning and had a sachet of porridge at my desk instead. Have only bought a work breakfast once this year so far, am quite proud of that, it's a vast improvement on last year.
    I've brought eggs and some bread to make scrambled egg on toast for lunch and have a slice of yesterday's cake if I get peckish.

    As for the 'ratties', I didn't hear anything last night and haven't in my house so far, so am desperately hoping they won't make it over. Really hope they disappear from next door too, I really feel for them. The neighbours, not the rats...

    OH and I are going away tomorrow, nothing fancy - just a premier inn for a couple of nights near a nature reserve and a nice town with lots of architecture and places to walk round. We'll be packing up a picnic tonight to eat tomorrow lunchtime to save money. I'm looking forward to it, with both need a bit of a break.

    Have a good day everyone 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
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