Uber Frugal Month 2021 Homework continued…

So I have read the article I mentioned in my last post, it is interesting as I feel conflicted, having not completed the suggested work of writing out a dream bio, but thinking about it instead. I kinda wanna carry on with Dementia nursing, I don’t hate my job, it doesn’t make me stressed (well, it does because looking after humans does that), I actually, genuinely, love my residents and I have a great staff team who are all such hardworking, lovely people. But in a dream world, I want my own doggy hotel, a lovely posh place for a small amount of doggies, especially Staffies who are super dear to my heart as a misunderstood breed, where we can offer stress free homes to dogs whilst their owners are on a lovely vacay somewhere. It feels like a complete pipe dream to be honest, plus I trained for three years and have worked for triple that as a nurse (plus a few), so surely carrying on makes sense? Who knows! Anyways….homework!

Step 2: Review last month’s spending

I don’t want to….I was really silly in December, I spent silly money on things…I dont want to be held accountable! Ok, I will work backwards- £8.97 to the dogs trust, thats ok, I am happy to pay that! £17.49, that was for the latest sims 4 expansion, half price and definately fun so far, so maybe not frugal but I am not ashamed! £7.19 at subway, this is a weird, after surgery I wont be able to eat this any more moment, so totally a waste! £5.27 on costa, a specialty hot choc and orange choc muffin…yes, wasteful. £4.79 on hair dye, totally worth it, I am not ready for these grays yet! £23.30 takeaway pizza- no judgements!! £6.99 on a stupid phone game- yes I am embarassed…£6.25 on wine in Sainsbobs…£100.50 on Christmas shop in Aldi including a lovely tablecloth! Worth it sorry! £20 cash for nephews birthday. £7.36 for lunch for work and snacks, covered two lunches. £46.10 on Christmas bits from Asda, not really worth it! £20 animal angels- worth it, locking a lovely dog sitter in too look after the dogs in Sept covid allowing, a large expenditure in reality, but so worth the peace of mind from someone looking after the house, dogs and chickens (£500 for two weeks, most already paid for two cancelled hols). £90.63 for two items of clothing from Blackmilk in a size 16 for after op…clothes were on offer and amazing looking, wont be the only charge from this shop, £2.49 charge because it is from Australia. Oops. £43.24 for fuel, 14th Dec- still have two bars left on my car! £46 Amazon- gifts. £25 paid for a chance to win a house, whilst raising money for the BHF. £23.40 another takeaway… £43.20 on buying two lots of completely recyclable toothbrushes, whilst donating the same amount of toothbrushes and planting trees. £10.40 amazon- maybe a gift? £59.90 and £1.64 for another item from Blackmilk and fee as from Australia… £59.86 food shop. £12 Sainsbobs, wine. £11.25 two butties from the butty shop. £25.80 pizza takeaway…£15 oxfam- present and small donation. £17.27 vodafone bill. £30.57 brownies delivery- very very tasty, maybe supporting a small business? Or a total waste of money? This doesn’t include joint spending as this is separate and we just send ourselves the money so not always clear what has been spent on what. Total spend: £ 791.86

Wows, I mean this isnt’t a totally normal month thank god but still insanely spendy and would have totally helped my surgery payment if I had held on and been more careful, and November is probs worse as I bought most of Christmas then!

Oush, thanks UFM for making me do this, it was particulary painful!

October 2020 Mortgage Round Up

We roll into autumn/halloween/October 2020 with local lockdowns and more crappy news. One thing that isn’t crappy, is the mortgage is still reducing, woohoo!

As of the 1st October my mortgage is: £146,387

Last month saw us at: £146,846

That is a reduction in capital: £459

This is with the OP of £50, so fingers crossed we will be in the £145’s in November!

Take care out there!

Lose one debt and gain another!

So in exciting news, we paid off the car loan last week and recieved confirmation in the post yesterday. We will be getting £56 back, and possibly £186 as we paid that as well as the whole balance, the person on the phone was unsure if it had been counted or not.

So we own our car outright! It doesn’t save us any interest as it was a set sum, but it’s nice to know it’s gone! Hubby has his new job and this means that he won’t have to pay the car anymore and goes someway to help with the fact he will be earning about £400 less a month. We will also, sadly, be reducing the mortgage overpayments to £50 until we get used to the reduction in wages, and then hopefully we can play around a bit and increase it again. That is another £200 less to find so this and the car loan should cover the loss of earnings.

So, whilst we have removed the car loan, I have got a £5k personal loan as I am going to have a gastric balloon fitted to help me with my weight loss issues. Part of me wonders if I should just bite the bullet and have the gastric bypass, but that is life altering (and over double the price) and if I can have the balloon and learn to change my eating behaviours (this company offers 18months psychological support) then I won’t need the surgery. That is my plan anyway. And I can afford my loan and pay a small chunk off the credit card every month, without it impacting on the house account or Hubby’s contribution.

So one giant step forward for the car, one small step forward with the mortgage and a step backward getting a personal loan- but ultimately if it can help me with my eating issues, then it will be money well invested.

Take care everyone!

Jodie