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  • FIRST POST
    • Silver Queen
    • By Silver Queen 6th Jan 20, 10:30 AM
    • 797Posts
    • 3,432Thanks
    Silver Queen
    A New Year, A New Start
    • #1
    • 6th Jan 20, 10:30 AM
    A New Year, A New Start 6th Jan 20 at 10:30 AM
    Things have changed dramatically since I started my last diary, so I thought I'd jump on this opportunity to start afresh.

    Major changes:
    • My OH has moved in with me and we have semi-combined finances
    • I am finally about to exchange on my very own tiny flat
    • I am quitting my awful job today!

    Lots of upcoming expenses and shaking-up of my finances ahead!
    Debt Totals July 2019::
    350 Natwest Credit Card / ]Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 7,000 5,000 sister loan/ Now 0500 train ticket loan from parents / Now 0 (paid off 16/02/18)2,000 Overdraft Now 0 (paid off 09/03/18) 1,967.83 Barclays 0% card Now 0
    Total 7,000
Page 2
    • Purplemumof2
    • By Purplemumof2 9th Jan 20, 3:49 PM
    • 7,770 Posts
    • 30,307 Thanks
    Purplemumof2
    Yay to the increase in salary.

    Exciting times for OH, good luck to him

    Happy New Phone xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: 4100.00 Lloyds: 8000.00 OD 2000 MBNA: GONE
    Jan LTW 17/22 ~ Jan NSD 2/10
    PAYDBX 2020 #041 PD 40.00/8000
    Xmas Pot 52.85/500 ~ EF 280/500
    20p Savers 2020 2 Savers 2020 50p Savers 2020 SPC 13 2020 #003
    • Silver Queen
    • By Silver Queen 11th Jan 20, 6:09 PM
    • 797 Posts
    • 3,432 Thanks
    Silver Queen
    Thanks PMO2!

    My list has been completed...


    1. Phone First Direct to reset my app Done
    2. Phone HSBC to reset my app Didn't have to do this in the end, reset online!
    3. Chase up refund of 30 for a returned item from company 1 Received confirmation, just need to wait for it to hit my account. It was a smidge over 32 in the end, so a little more than expected.
    4. Chase up Amazon gift card refund of 15 - I've already earmarked 5 of this for a new yoga strap so it'll be nice for this to show up soon! Received the refund, spent 4.99 on a yoga strap which should arrive today and 5.49 on a hanging planter which should arrive tomorrow.
    5. Post DBS check certificate to new job so that I can reclaim the expense Done, hopefully it'll arrive on Monday or Tuesday.
    6. Double check that my referees have given their references, and pack my bag tonight making sure I have all my documents to bring with me tomorrow to new job Done, the recruitment firm said they have everything so hopefully will get my contract through early next week!
    Originally posted by Silver Queen
    Last edited by Silver Queen; 11-01-2020 at 6:33 PM.
    Debt Totals July 2019::
    350 Natwest Credit Card / ]Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 7,000 5,000 sister loan/ Now 0500 train ticket loan from parents / Now 0 (paid off 16/02/18)2,000 Overdraft Now 0 (paid off 09/03/18) 1,967.83 Barclays 0% card Now 0
    Total 7,000
    • Silver Queen
    • By Silver Queen 11th Jan 20, 6:32 PM
    • 797 Posts
    • 3,432 Thanks
    Silver Queen
    Today and next week's list/MSE things:
    • Made dinner mostly from stuff we already had in the house. Spent 4.90 on creme fraiche and salad though. Salad will go with tomorrow's dinner as well and we'll have these leftovers for lunch.
    • Baking bread - I'm trying a new method where you bake bread using a dutch oven (cast iron pot). If it goes well, we'll have it for breakfast tomorrow
    • We got rid of two of our old, sad pillows that keep coughing up feathers everywhere. Bought two new ones as replacements, using a 30 gift card we received for Christmas. Ordered to collect so we'll get them tomorrow.
    • I went through my wardrobe and matched up some clothes to create new outfits, rather than shopping for new clothes
    • We recently inherited a very very large beanbag that we couldn't fit, it was cluttering up the space and causing me stress. I've been trying to give it away for weeks but nobody wanted it. Decided to post it on facebook and it was claimed and collected within 10 minutes! So much more space now and I didn't have to throw it away. Not really MSE but it made me happy
    • My sister gave me 50 as part payment for my phone. She'll pay me 10 per week for the next 5 weeks. I put this in my parent-repayment pot.

    Pots Roundup
    Personal:
    • OH's presents (valentines/anniversary/birthday/xmas): 20/200
    • Parents repayment: 250/7,000
    • Train Ticket: 320/2,000

    Joint:
    • Holiday fund: 8.87/2,000
    • Medical: 5/500
    • Emergency: 20/1,000
    • Presents: 5/300
    • Car: 5/1,000

    Planning on adding a "New Home Stuff" pot too, since we're hopefully moving soon.

    Really annoying, I've been chasing my conveyancer to send some essential documentation for MONTHS. They've told me three times that they've sent it but when I called the recipient, I was told they hadn't received it. I'm pretty sure my conveyancer hasn't actually sent it. Chased it again on Friday and mentioned the dreaded "negligence" word, suddenly I was getting immediate responses whereas I'd had to wait weeks before. I didn't want to use that card because I know how awful it is, but if I have to, I will....

    On an unrelated note, we're trying to keep an eye on our grocery and general food spends this month. It's been a bit of an eye opener! We've spent a lot of money this month, and have 46 left of our grocery budget, so we're trying really hard to make sure we don't go over.

    Our tentative meal plan:
    1. Sunday: Poached egg, bacon, hollandaise and homemade bread for breakfast. Leftover pulled pork with jacket potatoes for lunch. Roast chicken and salad for dinner.
    2. Monday: Leftover roast chicken for lunch. Joe Wicks chicken and mushroom filo pastry pie for dinner, with sweetcorn and peas.
    3. Tuesday: lunch leftover chicken and mushroom pie. Dinner carbonara.
    4. Wednesday Lunch ???? Dinner Homemade pizza

    Bought a sofa for 458, put it on my Amex so will need to pay that off. Also commissioned from art from a friend a while ago, which I forgot about, but it was time to pay yesterday...100. I am my own worst enemy

    Pleased with how things are going, but definitely counting down the days until payday now...17 days to go.
    Debt Totals July 2019::
    350 Natwest Credit Card / ]Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 7,000 5,000 sister loan/ Now 0500 train ticket loan from parents / Now 0 (paid off 16/02/18)2,000 Overdraft Now 0 (paid off 09/03/18) 1,967.83 Barclays 0% card Now 0
    Total 7,000
    • Dolly Rocker
    • By Dolly Rocker 13th Jan 20, 8:32 AM
    • 4,884 Posts
    • 14,417 Thanks
    Dolly Rocker
    I really need to get more organised with the savings pots, I never save anything for car costs and don't have an emergency fund!!

    Dxxx
    DF 2018 12,754.09 - PIF 30.11.18
    My Home Fund 3,000.00
    Goal Weight by December 2020 0lbs/91lbs
    I have 4 Nationwide Referrals left, PM me for 100 to switch accounts, link in 1-2 working days
    • Silver Queen
    • By Silver Queen 13th Jan 20, 10:04 AM
    • 797 Posts
    • 3,432 Thanks
    Silver Queen
    I really need to get more organised with the savings pots, I never save anything for car costs and don't have an emergency fund!!

    Dxxx
    Originally posted by Dolly Rocker

    I was always terrible with savings pots too...I'd say I was going to save the money and then never actually did. At risk of sounding like an advert for Monzo bank, their pot system has been fantastic and has helped me so much with actually sticking things in pots. I move the money into the pot and then consider it spent. It doesn't show on my account balance anymore, so I forget that I have it! It's like tricking myself into thinking I'm poorer than I am and it works amazingly for me.
    Debt Totals July 2019::
    350 Natwest Credit Card / ]Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 7,000 5,000 sister loan/ Now 0500 train ticket loan from parents / Now 0 (paid off 16/02/18)2,000 Overdraft Now 0 (paid off 09/03/18) 1,967.83 Barclays 0% card Now 0
    Total 7,000
    • Dolly Rocker
    • By Dolly Rocker 13th Jan 20, 10:29 AM
    • 4,884 Posts
    • 14,417 Thanks
    Dolly Rocker
    I might look into that, seen a lot of people talking about Monzo.

    Dxxx
    DF 2018 12,754.09 - PIF 30.11.18
    My Home Fund 3,000.00
    Goal Weight by December 2020 0lbs/91lbs
    I have 4 Nationwide Referrals left, PM me for 100 to switch accounts, link in 1-2 working days
    • Silver Queen
    • By Silver Queen 13th Jan 20, 2:43 PM
    • 797 Posts
    • 3,432 Thanks
    Silver Queen
    I might look into that, seen a lot of people talking about Monzo.

    Dxxx
    Originally posted by Dolly Rocker
    I'm not sure I trust it 100% just yet, because it's such a new bank, but I trust it enough to put in my monthly spending money into it

    It also categorises your spends for you, so you can see how much you spent on each category every month. Very eye opening to see that I spent 400 on groceries and eating out in December
    Debt Totals July 2019::
    350 Natwest Credit Card / ]Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 7,000 5,000 sister loan/ Now 0500 train ticket loan from parents / Now 0 (paid off 16/02/18)2,000 Overdraft Now 0 (paid off 09/03/18) 1,967.83 Barclays 0% card Now 0
    Total 7,000
    • Dolly Rocker
    • By Dolly Rocker 13th Jan 20, 4:11 PM
    • 4,884 Posts
    • 14,417 Thanks
    Dolly Rocker
    Oh god, not sure I'm ready for that amount of honesty haha

    Dxxx
    DF 2018 12,754.09 - PIF 30.11.18
    My Home Fund 3,000.00
    Goal Weight by December 2020 0lbs/91lbs
    I have 4 Nationwide Referrals left, PM me for 100 to switch accounts, link in 1-2 working days
    • Silver Queen
    • By Silver Queen 13th Jan 20, 5:45 PM
    • 797 Posts
    • 3,432 Thanks
    Silver Queen
    I ended up seeing a friend yesterday, so we didn't have roast chicken for dinner yesterday, or for lunch today. I had a gyoza bowl for 6.50 instead. We'll roast the chicken tonight and have that tonight, and lunch tomorrow. Tomorrow evening will be a carbonara, most likely. We're going to our favourite sport tomorrow (we pay in 10 session blocks, so this is paid for, and we have all our equipment so no equipment hire necessary) so it depends how tired we get - luckily, carbonara is quick.

    The days until payday are really dragging out now. Even though I have funds in my account, I just really want payday to hurry up so I can top up my pots!!
    Debt Totals July 2019::
    350 Natwest Credit Card / ]Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 7,000 5,000 sister loan/ Now 0500 train ticket loan from parents / Now 0 (paid off 16/02/18)2,000 Overdraft Now 0 (paid off 09/03/18) 1,967.83 Barclays 0% card Now 0
    Total 7,000
    • Silver Queen
    • By Silver Queen 15th Jan 20, 9:57 AM
    • 797 Posts
    • 3,432 Thanks
    Silver Queen
    A bit of movement!

    My documents have been sent to the in-house HR team! Hopefully this means I'll get a contract in the next week or so, they did tell me it would be "a few weeks" but I'm praying it's sooner. Cannot wait to get outta here.

    I got an anxious call from the estate agents asking me whether I would be seeking compensation from the seller. Well, I am now! Fired off an email so hopefully I can get a couple of grand off the asking price or some other incentive. Even a furniture voucher would be good, I have very little .

    The funds in my LISA have finally been released to my solicitor - I get the fishy feeling that they maaaaaybe didn't send the documents when I asked, and only sent them when I chased yet again last week. LISA is now looking sad.

    I've worked out that I need to pay my sol a further 11,650 for everything, including stamp duty and their fees. Ouch. I have just a smidge over 13,000 in my account though, so that should be fine. We'll have just under 1.5k to furnish an entire flat, although I already have the sofa, bed and pretty much all the kitchen stuff I'll need. It'll just echo for a bit, but that's okay.

    Feeling dreadfully poor now, still two weeks until payday...limping along.
    Debt Totals July 2019::
    350 Natwest Credit Card / ]Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 7,000 5,000 sister loan/ Now 0500 train ticket loan from parents / Now 0 (paid off 16/02/18)2,000 Overdraft Now 0 (paid off 09/03/18) 1,967.83 Barclays 0% card Now 0
    Total 7,000
    • Silver Queen
    • By Silver Queen 15th Jan 20, 10:12 AM
    • 797 Posts
    • 3,432 Thanks
    Silver Queen
    Whilst I'm here, I thought I'd make a little list of furniture and bits that I need for the new place. My total budget for everything is 2k, which I think should be enough, since I already have the main things. Some of the stuff I have is inherited, some bought when I thought I'd be moving last September, some I have over the years, some are OH's from before he moved in with me.

    Stuff that I already have
    • Bed
    • 2 x bedside tables
    • Sofa
    • Drinking glasses
    • kitchen bin
    • floor lamp
    • bathroom cabinet
    • cast iron cooking pot
    • cooking utensils
    • cutlery and plates
    • light fitting and bulb - they were on sale...
    • a vase
    • wine rack - my priorities are right
    • various cooking essentials such as spices, oil, vinegar, salt, pepper.

    Large furniture
    • Shelving in the living room (bookshelf)
    • Dining table and chairs
    • Shelving in bedroom - bookshelf
    • utility room storage - drawers and shelves
    • potentially chest of drawers in bedroom - tbd

    Not immediately essential furniture
    • Mirror
    • Shower caddy
    • Shoe rack
    • Rail in one of the cupboards to turn it into a cloak room

    Essential utility stuff/electrical goods (honestly, don't know what to call this category)
    • Ironing board and iron
    • vacuum cleaner
    • kettle
    • toaster
    • mop and bucket
    • dustpan and brush

    Kitchen stuff
    • mugs - although we should have enough, think we've got four between the two of us
    • saucepans and frying pan
    • bin bags
    • cleaning fluid/spray
    • cleaning cloths/sponges
    • kitchen and toilet roll
    • washing up liquid
    • dishwasher tabs, salt, rinse aid
    • wine glasses

    The priority is for there to be a somewhat functioning living space. My plan is to buy everything over the next 1-2 years or so, as and when good deals come up or if we find anything in charity shops that we can "upcycle".

    We had a bad bed bug scare when we first moved into this new place and it cost us hundreds of pounds in treatments, so I'm really wary about used furniture now. I'm sure there's a way for me to decontaminate it though, but it's a bit more difficult since I have no outside space. Will have to explore this...
    Debt Totals July 2019::
    350 Natwest Credit Card / ]Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 7,000 5,000 sister loan/ Now 0500 train ticket loan from parents / Now 0 (paid off 16/02/18)2,000 Overdraft Now 0 (paid off 09/03/18) 1,967.83 Barclays 0% card Now 0
    Total 7,000
    • Silver Queen
    • By Silver Queen 22nd Jan 20, 10:45 AM
    • 797 Posts
    • 3,432 Thanks
    Silver Queen
    Lots of exciting movements in the past week.

    New job: just waiting for all the checks to come back now! They said it will take a few weeks, but I'm hoping it'll be quicker since it's January and things are quiet. The checks look seriously invasive and I'm surprisingly nervous. I have nothing to hide and nothing to be worried about, but...

    Flat: I asked my broker to apply for a new mortgage. It's been approved pending valuation, and the valuation is due to take place today, so fingers crossed! I tried to ask for compensation for the delay but the seller has said no.

    We went to see some family members last weekend (hooray....) and ended up burning through our joint account funds for the train fare. Really need to look into a car, the train cost us around 100 for both of us. Car is on back burner until flat is sorted, though.

    6 days til payday...
    Debt Totals July 2019::
    350 Natwest Credit Card / ]Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 7,000 5,000 sister loan/ Now 0500 train ticket loan from parents / Now 0 (paid off 16/02/18)2,000 Overdraft Now 0 (paid off 09/03/18) 1,967.83 Barclays 0% card Now 0
    Total 7,000
    • Dolly Rocker
    • By Dolly Rocker 22nd Jan 20, 11:01 AM
    • 4,884 Posts
    • 14,417 Thanks
    Dolly Rocker
    Oh exciting times!! Hopefully you will here back soon, the waiting is the worst isn't it. I know what you mean about the stress even though you know it's nothing to worry about

    Trains are sooooooooooo expensive aren't they!

    Keeping my fingers crossed for your new mortgage.
    DF 2018 12,754.09 - PIF 30.11.18
    My Home Fund 3,000.00
    Goal Weight by December 2020 0lbs/91lbs
    I have 4 Nationwide Referrals left, PM me for 100 to switch accounts, link in 1-2 working days
    • Silver Queen
    • By Silver Queen 22nd Jan 20, 2:19 PM
    • 797 Posts
    • 3,432 Thanks
    Silver Queen
    Oh exciting times!! Hopefully you will here back soon, the waiting is the worst isn't it. I know what you mean about the stress even though you know it's nothing to worry about

    Trains are sooooooooooo expensive aren't they!

    Keeping my fingers crossed for your new mortgage.
    Originally posted by Dolly Rocker
    Trains are unbelievable! I honestly thought we'd be saving money by getting rid of OH's car, which cost about 350 per month to run including all fuel and maintenance, but we're paying close to that on train fares and it takes so much longer!

    My parents live close-ish to us and the return train fare to them is about 20 per person, but they seem to be under the impression that they can expect us to help them out almost every single weekend. OH's grandma lives a bit further so train to hers costs about 40 return per person. God forbid we go visit his parents, that costs us about 50-60 a pop!

    I really do think that a car is going to be the cheapest option

    And yes, I'm so nervous but so excited about the new job! I keep checking the application to see whether my checks have been approved yet, even though it's only been 2 days and I was told a minimum of 2 weeks
    Debt Totals July 2019::
    350 Natwest Credit Card / ]Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 7,000 5,000 sister loan/ Now 0500 train ticket loan from parents / Now 0 (paid off 16/02/18)2,000 Overdraft Now 0 (paid off 09/03/18) 1,967.83 Barclays 0% card Now 0
    Total 7,000
    • Dolly Rocker
    • By Dolly Rocker 22nd Jan 20, 3:08 PM
    • 4,884 Posts
    • 14,417 Thanks
    Dolly Rocker
    I'd be the same, I'm sooooo impatient with stuff like that.
    DF 2018 12,754.09 - PIF 30.11.18
    My Home Fund 3,000.00
    Goal Weight by December 2020 0lbs/91lbs
    I have 4 Nationwide Referrals left, PM me for 100 to switch accounts, link in 1-2 working days
    • Silver Queen
    • By Silver Queen 24th Jan 20, 5:20 PM
    • 797 Posts
    • 3,432 Thanks
    Silver Queen
    Very frustrated with myself today. Managed to lose my Oyster card whilst out meeting a client. I'm 99% certain I know where I've lost it, but it's somewhere that I can't get it back again.

    Luckily, it was registered so I just had to pay for travel back to the office, and then for a new oyster card and for a fare back home. Total cost about 15 of money that did not need to be spent!

    Also bought many coffees today. The meeting this morning was a toughie and I've been exhausted ever since.

    Going to my parents tomorrow and then hopefully that's the last trip to family for the next couple of months. I can't afford to keep paying for the train.

    Payday is on Tuesday and I am counting down the hours.
    Debt Totals July 2019::
    350 Natwest Credit Card / ]Now 0 (paid off and closed 04/2017) 15,500 postgrad loan from parents/ Now 7,000 5,000 sister loan/ Now 0500 train ticket loan from parents / Now 0 (paid off 16/02/18)2,000 Overdraft Now 0 (paid off 09/03/18) 1,967.83 Barclays 0% card Now 0
    Total 7,000
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