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    • Thrice
    • By Thrice 18th Dec 18, 4:52 PM
    • 122Posts
    • 505Thanks
    A Year to make a Difference
    • #1
    • 18th Dec 18, 4:52 PM
    A Year to make a Difference 18th Dec 18 at 4:52 PM
    Afternoon all,

    Well after lurking for years, being an active user under a different name for years, to this new account due to too much personal info on the last one. I have finally set up my first MSE diary!

    A short bit about me. I live in central Scotland with Mr Thrice and our two dogs. We have a home that needs a lot of work, and it's a huge drain on our finances. We have over the last 8 years spent a lot of money decorating etc, then we found proper issues with the house. Spent and spent trying to repair and repair, but it's really got to the point now where we need to replace part of the roof, which means more money which I just don't have right now.

    I'm going to set this up and then I can update tonight with my totals and lists for 2019. I'm not one for new years resolutions, I generally think they are made to be broken. So, I'm starting before Christmas, that way they can be a new way to live, rather than something I can give up on mid January!

    I'm hoping to use this to stay accountable to myself, and to get advice/encouragement/told off by you lot I have 'manageable' debt, but I need to get my head down and clear as much as I can over 2019, so hopefully, come 2020, I can maybe take maternity leave from work. My god, I feel a bit funny writing that down!

    Right, I'm away before I say anything else I haven't said before
    SPC010 35.26
    2019 1% = 25. 0% so far
Page 2
    • JohnJ76
    • By JohnJ76 9th Jan 19, 6:50 PM
    • 14 Posts
    • 32 Thanks
    That's excellent news, always nice when something goes in your favour as opposed to an unexpected nasty! Great way to start 2019 with one paid off so soon!
    • Thrice
    • By Thrice 11th Jan 19, 9:26 AM
    • 122 Posts
    • 505 Thanks
    So has anyone else been watching Marie Kondo on Netflix? Oh I'm just loving her! I know there is an old and long thread on here which I've never looked at before, as I suppose I wasn't really interested in tidying. Why tidy when the house is a building site??

    It's been wonderful to watch, I'm about half way through the series and I've already started keeping boxes to use for storage It's funny as I've started clearing bags of excess stuff out the house, but I didn't look through anything properly, I just knew I wouldn't wear it or use it for the next 3 months to stored it. It will be good when we are bringing everything back to actually go through it all to see if we really want to keep it or not

    I spoke to MrT last night about our spends on each other for birthday's and Christmas, and we agreed to keep it low this year. Normally we spend about 50+ for a birthday and over 100 each at Christmas, but there just isn't any need. We spend because we feel we should. So I've asked for two things, the Marie Kondo book and a set of beeswax paper so I can wrap my sandwiches etc to stop using cling film 26 was the amazon wish list I sent to him, which is a lot cheaper than normal!
    SPC010 35.26
    2019 1% = 25. 0% so far
    • Mickeymacca
    • By Mickeymacca 11th Jan 19, 9:36 AM
    • 3 Posts
    • 12 Thanks
    morning Thrice just caught up with your diary I love it! Have you tried YNAB? It's brilliant for budgeting. I'm sat now just adding some extra categories, its changed the way I budget completely. Totally recommend doing the free trial. Hope the building work goes well this weekend.
    • Thrice
    • By Thrice 13th Jan 19, 8:37 PM
    • 122 Posts
    • 505 Thanks
    I've looked at YNAB before, but couldn't really get my head around it. I will look at it again though, I know a lot of people swear by it!

    Well the weekend had passed quickly but with lots of progress! MrT has finished building the vestibule at the front door, gyp rock and everything! We will get the internal window put in hopefully this week, then I just need a door and it's done!

    I decided to fold all the clothes in the drawers upstairs, my back is killing me now! Spent hours this afternoon doing it, just have the two bottom drawers left to do tomorrow. It's amazing the difference folding and stacking vertically like Marie Kondo recommends, I've got so much more space! MrT thought I was mad folding socks and pants, but he was suitably impressed when I was finished! Can't wait to actually read her book lol!

    I've gathered up my receipts for the last week or so, my plan for tomorrow is to deduct these from my budget totals and see how my first half of the month is looking. Fingers crossed lol x
    SPC010 35.26
    2019 1% = 25. 0% so far
    • Thrice
    • By Thrice 16th Jan 19, 11:26 AM
    • 122 Posts
    • 505 Thanks
    I'm at this point in the month where nothing is really happening... I want to pay extra to things just to see the total come down again, but I don't have anything to give

    I've been having a ponder regarding my supermarket vouches and what to spend them on. I have about 20 for Tesco and the same again for Morrisons. My plan was to use them to buy Christmas dinner and splash out on fancy stuff (The Best and The Finest ranges all the way ) but we ended up just doing a cheap dinner and making the fancy stuff ourselves.

    I don't know if I should use them to bulk buy some foods, like tinned toms or dried pasta. Or if I should keep them and use during the year for a birthday present or two, I can always buy a toy or pj's from either supermarket.

    Maybe I'm just wanting to spend the vouchers to feel like I'm buying stuff, even though I don't need or want anything I've been on Boots website as I've got over 60 worth of points, keeping my eye on gift sets etc that I could use for birthdays etc this year, and also looking for stuff for me that I don't need.

    I'm finding it easy to not spend cash money, but I'm finding myself looking more and more at spending 'free money' like my points and vouchers, even though I DON'T NEED OR WANT ANYTHING

    I will resist. I'm not spending anything til at least February. There, I've said it so I'm sticking to it!!
    SPC010 35.26
    2019 1% = 25. 0% so far
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