March Money Madness

I just wanted to use some alliteration there 🙂 It hasn’t been too mad.

I haven’t been able to logon to Tesco since December, very annoying, I try randomly and with everything going on in the world, am not going to ring up to check, presuming it is all linked to being moved over to Halifax. Hubby and I have been discussing stopping the overpayment with the current climate, including the uncertainty and fear around his job. Though as we are both earning this month, we decided that April should have the £250 OP still and we will play it by ear from there. We are hoping we can carry on as ‘normal’ if nothing changes financially.

I have made a guess that our mortgage should be around: £150,675 if I have paid £600 capital off a month, which I had paid previously when overpaying £250. I am happy with this, wish I knew precisely, but whatever!

We had to take a chicken to the vets and paid £56 for antibiotics and the consultation, sadly, despite treatment beautiful Echo passed away. We syringed her water and the antibiotic but she didnt make it. Blue, who was the first poorly one, got better really quick and is doing great, now Charlie is poorly. The vet wasn’t concerned it was anything contagious to other animals which is a relief and we are treating them all with antibiotics now. Today I will be collecting the dogs prescription then getting them filled, this will be an expensive day! Completely worth it though. £56 for the anti inflamatories and Desmopressin prescription, a further £123 for the prescription to be filled. Need to explore if we can get this cheaper somewhere else, plus they never have 90tablets in so I will have to go back again to collect the rest. What a pain in lockdown, plus I am working 12 hour shifts. Hopefully hubby might be able to go.

Hubby got a chimney sweep in- £70, he (hubby) has capped the chimney pots as birds then tried to nest in the clean chimneys! Got the caps for free, and some stone for the hearth for free. Paid for the fireboard which he has now installed. Unsure of the cost for this! Our current flue is too short, hubby’s dad left his spare outside their house, so when hubby was out with work he could collect it and not break any lockdown laws! This might mean that we can get the fire up and running! We are having issues with the underfloor heating, we think the boiler needs an expansion tank or something, can’t do anything in this situation though, plus the house is still heating just not well.

The shower downstairs has loose tiles which have been letting water in, so hubby has taken them off, this is another job that will need doing. We have been discussing re-doing the upstairs bathroom, getting rid of the downstairs shower and making a small utility area there instead. Luckily, even though the upstairs shower is crappy compared to downstairs, it is water tight and usable. The concrete floor in the lounge is loose in parts, so need to investigate this at some point. Possibly ouchies to the wallet all round!

This month we also paid hubby back what was owed from Florida, and have only had to pay for gas once. I have moved money across which includes £250 holiday, £150 that Aran had been paying on the old credit card that we have paid off, and then paid himself back with and finally £82 that we have saved by cancelling items during uber frugal jan! So we are moving money, the key is to keep it! Or keep saving to pay for all these things we keep finding wrong!haha. After all the bills go out tomorrow I will do a tilly tidy and work out whats left and what we may need to spend for the month.

In April, we may need two lots of gas, its hard to plan in advance as we don’t know what the weather will do! Got away with only one order in March, so we are probably very close to a new order! We will need to buy more raw dog food and treats, about £40 which lasts over a month, Council Tax will be going out again, boo!

Hoping April will bring the peak and decline of covid19, and some semblance of normality will begin to come back. I hope you and yours all safe 🙂

Pets- at what cost?

If you have read any other posts in my blog, you may well have seen pictures of my two rescued furchildren. I love my dogs, I love all dogs, in fact, I am a self confessed animal lover! Having my dogs in my life feels like a non option, I have grown up with pet dogs, in both my seperate family homes we had two dogs (per household), as well as cats, horses and chickens.

I remember a few yeas ago, when I read through Mr Money Mustache’s blog post great-news-dog-ownership-is-optional, and I liked the fact he pointed out some of the realisms of dog ownership. Such as the fact people will adopt/buy a pet when they have little income, not taking into account the true cost of owning an animal. That true cost, covers the responsibility we have as dog/pet owners, this is covered by the five freedoms: The first part is Health– we should protect our pets from disease, illness and injury, and if they should become injured or unwell, we have to seek treatment. We should allow our pets to be natural in their behaviours, when looking at companionship as a freedom we should be considering if that animal is social and whether it should be kept alone or with others. Dietary needs- this includes preventing malnourishment and obesity as well as access to water. The last freedom is access to a suitable environment, this would include access to a shelter and a safe space to be, away from harm.

Pet ownership feels more complex these days, there are so many different opinions out in the world about how we should do things, how we should treat our pets and what we should feed them for example. It is a minefield! Do you buy pet insurance, is it worth the cost, what if your pet has health needs that would invalidate insurance, or the breed means an unfair hike in costs? Buying pets is a huge deal, I wont lie, I rescued my babies, I will always rescue and will never ‘buy’ a pet. This is personal to me and is part of my moral code, I will always advocate adoption! As it stands, my dad and stepmum have two rescued dogs, and my mum and stepdad have two bought dogs, I love both sets of parents and both sets of dogs. If people are to buy puppies, then I will heavily and wholeheartedly advocate for buying from a proper breeder. Always see both sets of parents, check that the breeder will/has vaccinated, ensure to the best of your abilities that they are not from a puppy farm. My mums Jack Russells are from a local breeder, whom we know well and in fact I am now related to via a marriage!

I guess the point of this post, is to highlight that pets are optional. You should take into consideration the cost of time and money that is needed to ensure that any pet has the best life it can, and the possible things in your life that will be impacted upon by this. As a sidenote, I think I will do a couple of blogs introducing my furchildren, I am a very proud parent who will gush about them at any time!