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  • FIRST POST
    • Kittikins
    • By Kittikins 2nd Jan 20, 11:23 AM
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    Kittikins
    2020 Needs and wishes
    • #1
    • 2nd Jan 20, 11:23 AM
    2020 Needs and wishes 2nd Jan 20 at 11:23 AM
    I've decided to start a new diary for 2020, hopefully focusing my mind more on what I want and need to achieve this year.

    My fiance (swoon), the knitted Welshman (KW) and I got engaged on fireworks night last year, and at present, have very little saved for our wedding. We have a joint savings account with £150 in it so far

    We also want/need to get a new boiler in our shared ownership house and possibly a new shower system, as ours cries on you rather than making you feel sparkly clean. We've had one quote in so far, with nearly £4k for switching to a combi boiler that might well solve the shower problem, and £2.5k for the traditional type that probably won't solve it.

    I also think that I may need to start saving for a new car, as mine is now 13 years old and is less 'oomphy' than it used to be. I put £150 a month aside from my salary to go towards tax, mot, servicing etc, and have £800-odd in my account for that.

    My parents had offered to help us with the boiler costs, but now that we have a better idea of how expensive it is, they've gone rather quiet on that front, as I think they thought it could get done and dusted for £1K.....

    KW and I would rather save up and do it on our own, as we don't like to think of being given so much. I've borrowed from my folks in the past when I was on my own and needed to move, but as I'm now with someone, we'd rather do it ourselves.

    Before Christmas, I had kind of let myself go a bit financially-speaking, and had borrowed from my car fund more than once to make sure I got through the month. I clear my credit card without fail each month, but had been spending far too freely on it. Thankfully I moved up the teaching pay scale and the salary was backdated to September, so my payslip on 31st December was very healthy indeed! I've cleared my card and have set up a new page on my finances spreadsheet to record everything I spend as well as every penny I have coming in.
Page 1
    • Kittikins
    • By Kittikins 2nd Jan 20, 11:53 AM
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    Kittikins
    • #2
    • 2nd Jan 20, 11:53 AM
    • #2
    • 2nd Jan 20, 11:53 AM
    WEDDING Target: ?

    Balance £250

    We know we'd like a small wedding, but have no clear ideas on what we would like! As I'm divorced, it may be harder to find a vicar who will do the ceremony. Our town has a lovely register office in the town hall that would be a good alternative.

    Church £550
    Register wedding £350 + vat for the town hall
    registrar £567


    Ok, it's going to take a wee while to save up even this amount!


    Reception £1,500 - We may look to hire out a lovely barn near us which apparently do amazing meals (I've only had a coffee there so far)

    Outfits £500 - I don't want a princess dress, just something nice i can wear again, a suit for KW (mmmm, he scrubs up very nicely!) and something lovely for DD, who will be giving me away
    Last edited by Kittikins; 03-01-2020 at 10:54 AM.
    • savingwannabe
    • By savingwannabe 2nd Jan 20, 4:14 PM
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    savingwannabe
    • #3
    • 2nd Jan 20, 4:14 PM
    • #3
    • 2nd Jan 20, 4:14 PM
    Hurrah for the New Year and hurrah for a pay rise.

    Moving house is expensive and then a wedding too can feel quite overwhelming these are major life changing things as well as financially expensive. I have lived here for over 10 years and still not got round to doing the boiler. You are ahead of me and most people. With regard to the wedding, it's great that you are putting the numbers together. You can do it. One step at a time Kittikins. You can do it.
    Trying to be a frugal minimalist. 14/31 NSDs. Saving £2 in money boxes.
    • Kittikins
    • By Kittikins 3rd Jan 20, 10:58 AM
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    Kittikins
    • #4
    • 3rd Jan 20, 10:58 AM
    • #4
    • 3rd Jan 20, 10:58 AM
    Filled up the car with petrol yesterday and bought a sarnie meal deal. 43p change into the sealed tin

    Today, I'm procrastinating with planning for Monday's return to school, and am going to be going over to meet KW at his sister's as it's his oldest niece's birthday next week. I must get more work done though, I can't keep putting it off!
    • savingwannabe
    • By savingwannabe 3rd Jan 20, 3:55 PM
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    savingwannabe
    • #5
    • 3rd Jan 20, 3:55 PM
    • #5
    • 3rd Jan 20, 3:55 PM
    I've put off mine today and it's 3.30. On facebook everyone is the same at my workplace. It's the worst part of being a teacher. lol.
    Trying to be a frugal minimalist. 14/31 NSDs. Saving £2 in money boxes.
    • Kittikins
    • By Kittikins 3rd Jan 20, 7:11 PM
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    Kittikins
    • #6
    • 3rd Jan 20, 7:11 PM
    • #6
    • 3rd Jan 20, 7:11 PM
    Uh-oh, today's got a bit spendy...

    £2.50 bag of chips to share with KW
    £12.87 3 packs of refills for plug in vaporizer as DD now has my cold from hell
    £22.08 for 3 bottles of shampoo for DD, she has amazing afro hair that loves this shampoo
    £6 I think in Waitrose on bits, but I'll pay myself back for those out of the household account

    Gulp!

    Managed to do a bit of work, then went over to kw before I went out this afternoon. So much more to do, aaahh well, it'll get done ��
    • savingwannabe
    • By savingwannabe 4th Jan 20, 10:16 AM
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    savingwannabe
    • #7
    • 4th Jan 20, 10:16 AM
    • #7
    • 4th Jan 20, 10:16 AM
    I think you bought useful things. I feel the same about work. I might mark in bed. lol.
    Trying to be a frugal minimalist. 14/31 NSDs. Saving £2 in money boxes.
    • Kittikins
    • By Kittikins 5th Jan 20, 10:28 AM
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    Kittikins
    • #8
    • 5th Jan 20, 10:28 AM
    • #8
    • 5th Jan 20, 10:28 AM
    DD and I had a great time in London yesterday seeing a show My parents bought her the tickets, and we took a picnic and drinks to help us save money (ish)! She got signatures of the 3 female leads at the stage door and was a very happy girly indeed!

    But, I was a bit spendy.....

    £4.20 parking at the station for the day
    £1.34 YS vegan chocolate pot to have in the interval (cheaper and yummier than an ice cream!)
    £6.90 M&S sarnies and a cake to have as dinner on the way home
    £4.59 coffee in Pret whilst waiting to go into the theatre (we got there far earlier than we needed to)
    £6.44 in Waterstones on a book that I may give to DD for her birthday, but I'm more likely to keep for myself!

    ACTUALLY, that's not bad at all! £23.47 for all that! I really should stop beating myself up.....

    But then....

    £11.22 on travel insurance
    £25 deposit on a 3-night stay at a cottage in Snowdonia (total cost will be £481.75)

    This is likely to be our only family holiday this year - we're going to holiday in Wales before dropping DD off at a geography field trip location where she'll meet up with her schoolmates and teachers for the remainder of the half term holiday.

    As she has some health issues and gets travel sick, I didn't like the thought of her sitting on a coach for 4 or more hours, then having to be all perky and geographically minded straight away!

    The place looks lovely, I'm really looking forward to it

    61p to savings tin.

    Right, time to get back to the school work, which is now looming over me, mountain-like!
    • savingwannabe
    • By savingwannabe 5th Jan 20, 5:57 PM
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    savingwannabe
    • #9
    • 5th Jan 20, 5:57 PM
    • #9
    • 5th Jan 20, 5:57 PM
    £23 for a day in London is miraculous! Well done.

    And Snowdonia, well I have always wanted to go there. It is something great to look forward to for the next few weeks as we settle back to work.

    I didn't do all my schoolwork there was too much but I did a fair amount. I hope you feel rested I do and that next week goes well.
    Trying to be a frugal minimalist. 14/31 NSDs. Saving £2 in money boxes.
    • Kittikins
    • By Kittikins 12th Jan 20, 9:56 AM
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    Kittikins
    I did feel rested and the children came back in all raring to go, which was fabulous

    However, on Thursday, I decided to wear a pair of ankle boots with a very low heel, rather than my usual totally flat trainer type shoes and it did something very strange to my lower back! The head saw me walking oddly and commented on it, and thankfully we both left school at the same time. Overnight, the pain got so bad, it look me about 20 minutes to get out of bed! So.....I had to take the day off on Friday, as I couldn't lift my legs or stand for very long

    I still can't stand for too long without it hurting like heck, but I'm moving much more freely now. Carrying anything is very painful, which is slightly concerning as I have about a gazillion books to mark and take back to school tomorrow!

    Anyway, in happier news, I bought a lovely painting of our town square from a shop just off it. I couldn't resist it! I've also spent money on rubbish food, the bingeing is back, but I think I know the reason why, and that reason is diminishing now I'm back at school, so hopefully I will be back on the straight and narrow shortly.

    KW is away at a trade fair, having left on Friday morning, so DD and I have been able to indulge our bad backs and our tummies this weekend! We had some scrumptious posh icecream (Lidl version) whilst laughing our way through Skyfall last night. Hopefully she'll get up a bit earlier today so we can go out and have some mummy-daughter time somewhere

    Mind you, I have tons of work to do - even more now I've been to a preparation for Ofsted briefing and have lots more work to do to ensure I know everything about everything to do with the subject I lead throughout the school! (Oh and the afore-mentioned marking!

    Money isn't going too badly - I put 80p in the tin yesterday and whilst I have bought chocolate and rubbish, it's less than I might have done a year or so ago.....

    The painting at £25 was an unexpected expense, but it's a one-off and, as Marie Kondo would say, it 'sparks joy'.
    • savingwannabe
    • By savingwannabe 12th Jan 20, 10:06 AM
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    savingwannabe
    I hope your back get's better quickly. That is quite scary. I just wear trainers to work now but I used to wear heels and boots when I first started teaching but now I find them uncomfortable.

    The painting sounds lovely and well done on putting money in the savings tin. I might do that later.

    I hope that you and dd can chill and relax a bit. I am about to do some marking but am no longer making myself do too much as I think we need to chill a bit more this year.
    Trying to be a frugal minimalist. 14/31 NSDs. Saving £2 in money boxes.
    • Kittikins
    • By Kittikins 12th Jan 20, 10:11 AM
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    Kittikins
    Coo! Just found 5p on KW's side of the room, that's going in the pot We WILL get married before we're 60!
    • Skint yet Again
    • By Skint yet Again 12th Jan 20, 10:42 AM
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    Skint yet Again
    Hope your back is better soon KK. It’s surprising how some things can set off back pain. When they replaced the carpet at work they chose one with uneven pile and it triggered my back pain. I struggle to walk on uneven surfaces. The wheelchair users and people with walking aids also struggle with it.

    Those pennies will soon add up. Enjoy the rest of the weekend x
    Balance 0% credit card £1360 Balance £548 £0
    0% Car Loan £7500 £160 a month last payment £140 due 1/1/2020 ~ paid in full
    Emergency fund £1000
    • Kittikins
    • By Kittikins 12th Jan 20, 10:45 AM
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    Kittikins
    I felt like such a freak, but reading about the carpet issues is so familiar to me!
    • Kittikins
    • By Kittikins 14th Jan 20, 9:05 PM
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    Kittikins
    Yesterday was a NSD, hoorah! Today, I bought some naan breads, which were VERY disappointing, more like a hard flatbread, despite being Sharwoods.....given that we go past an Indian restaurant on our way back from the supermarket, next time we have the urge to have naan with our home-made dhal, I'll pop in for the real McCoy.

    I also bought, errrm, Jaffa Cakes, and bread, as I feel like I'll be in bed long before the bread-maker would finish. Only £3.17 spent, but could have spent only £1.20...

    My purse is completely empty of cold, hard cash, so there's no way I can put change in the sealed tin for a while!

    School was mainly good, but the children were all antsy and it got a bit frustrating at times, trying to keep them motivated and not just sitting chatting.

    KW's back home late tomorrow night, I can't wait, feels like he's been gone AGES (only since Friday, but I have got used to sleeping diagonally across the bed.... )

    Right, I'm too tired to do any useful work, so think I'm going to go to bed and hope that I whizz through a few things at 6:30am, like I usually do! I just need to locate one of the cats though, my ninja has come up miaowing madly at me, which might mean that he just wants attention, or could mean that the gingernut is still clawing at the back door trying to reach the handle to get out again!
    • savingwannabe
    • By savingwannabe 14th Jan 20, 10:19 PM
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    savingwannabe
    Well done on the NSD. How weird that the naan's were so hard. Hopefully the next lot will be better.

    I hope KW is back soon and the kitty keeps you and DD company in his absence. As to work 3 days to go from today...….
    Trying to be a frugal minimalist. 14/31 NSDs. Saving £2 in money boxes.
    • Skint yet Again
    • By Skint yet Again 14th Jan 20, 10:52 PM
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    Skint yet Again
    I always find shop bought nan bread hard. I usually find they soften if you sprinkle water over them and pop under grill for a few minutes.

    Hmm Jaffa cakes... now there’s an idea, nom nom. Trouble is once I open a pack I have no willpower. I do find though that I prefer the aldi ones these days.
    Balance 0% credit card £1360 Balance £548 £0
    0% Car Loan £7500 £160 a month last payment £140 due 1/1/2020 ~ paid in full
    Emergency fund £1000
    • Kittikins
    • By Kittikins 15th Jan 20, 11:11 PM
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    Kittikins
    Yay, a NSD and KW has arrived home 2 hours earlier than expected
    • savingwannabe
    • By savingwannabe 16th Jan 20, 8:14 PM
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    savingwannabe
    Hurrah I am glad. Now you can have a great weekend.
    Trying to be a frugal minimalist. 14/31 NSDs. Saving £2 in money boxes.
    • Kittikins
    • By Kittikins 18th Jan 20, 5:45 PM
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    Kittikins
    Hooray for the weekend, I've had a lovely day with KW, just mooching, doing the shopping, chatting to people, and getting my hair cut. It was so shaggy and horrible! With short, thick hair, it needs cutting quite frequently, but at least at the place I go, I can get my hair cut and my eyebrows tamed for £24

    DD has been feeling really rubbish and has had some time off school yet again, but today was up and about before midday and looks well on the mend. There's hope for Monday morning!
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