Frugal Friends Forging Forward Toward February and Further Financial Freedom

[Wolfcub]

New fred

bank account audit:

current ac HSBC (56.84) - this is an authorised overdraft so won't get charged on this. i have a buffer of £500
joint ac 1.33 - hmmm
credit card (2,857.79) - this is a combination of Christmas, Amazon, things for the kids...
Current ac Lloyds 12.80
Starling ac 10.

money in purse 23.76 plus:
93 on boots card
250 gift card for local pub chain (christmas gift from work)
40 amazon vouchers
50 m&s vouchers
10.50 balance on beauticians gift card
39.70 on local dept store gift card

today i have paid £5.40 on coffees before work and £100 off the credit card (hence the overdraft).

it is payday on Thursday (thank goodness). I need to sort out my savings and standing orders, but will do this once i get paid i think and know how much i have to play with. might forgo some savings and just throw cash at the credit card.

am slightly annoyed (read very annoyed to the point of a raging polite email) that our accountant at work who does our payroll has put me on the default 22% tax rate. because our tax office (who have a ridiculous backlog and are slow as hell and very unresponsive to emails and telephone calls) haven't sent me my 2021 rate yet. accountant lady is very apologetic and is only doing her job. i'm pissed with the tax office. so have sent them the email asking whether they will refund me the difference (ha! good luck Ems).

anyway. am back from the office now. was nice to be in and have a change of scenery.

Weather is dreadful here 🙄
Gen hope the presentation went brilliantly 🤗 yes am thrilled about the vaccinations am so lucky 🤗
Wolf hope all is well with you and the floods love 🤞
Em you know exactly what you are doing 🤗
Just going to get the car mot'd fingers crossed 😁

Unescorted I watched a TED talk about interviews which suggested doing exactly that.

You all seem to have a lot going on at the moment. I hope everyone is ok.

My day has been quiet, and wet!

Unescorted I've been using the Amy cuddy tips for about the last four years for interviews. Helps massively

Nsd today.

Frugal win. Camping company rang and will refund my deposit voucher If I don't use it by expiration in October. £199
Have applied for KLM refund for same £1300 ish

Marking place 😳

Hi Sing!

unescorted thank you and thanks mrs it’s over now and it went ok, I’m pleased. DH made me a special dinner with smoked salmon on brown sourdough starter and then a roasted beetroot and goat cheese salad with walnuts. Delicious! He also bought amazing coffee gelato which I’m planning to have a little bit of later.
Need to meal plan as veg box comes tomorrow.

Well done Gen
Car passed it's MOT but 2 new tyres needed according to the advisory so will get them asap . Mot 35 done for another year

Another NSD yesterday! Need to get pull-ups for one of the dts. I'm sure it was talking about it last week that jinxed it - she's wet the bed all but 2 nights out of the last two weeks 😳. I don't think she's unwell or anything... maybe just picking up on the house-moving/lockdown vibe.

January:
NSDs: 9/31
Groceries: £247.52/400
Everything else: £164.68/350

I'm sure it went better than you think gen.
Possibly Madden, don't worry DT will get it again.

Morning lovely people... it has been wet here overnight. wolf are you cracking out the scuba suits yet?

Gen glad it went OK. I find getting up in front of a couple of colleagues much more daunting than doing a presentation in front of 100.

I had better get on and do some work

It's raining it's pouring.

Very wet here, the river Usk is up and has broken it's banks here in Abergavenny. It is still raining l hope it isn't going to flood again.
Spent £5 on hand gel it was reduced to a pound for 500 ml in B&M .
Hope everyone is ok we are watching the US inaugeration it's very interesting. So glad Trump has gone

We did MsKL l hope it stops raining

Wolf hope you are okay with the rain. Petrol 40. Pet food 20 and seed potatoes 7.

Mrs hope your water levels go back down before anything floods

£60 sandbags. Still looking ok here but still at risk iyswim

Bacon egg and tomato sandwich on nice sourdough for tea.

Long day at work the evil work person is back at their tricks again. I am trying to let it roll off my back

Wolf stopped raining for a bit but started again now am keeping everything crossed for you as well
Re Evil work person , keep letting it roll over the top of your head , if they are anything like mine they thrive on attention, whether it is negative or not, also whatever you say you will get the blame, these ppl line their ducks up and wait for us to bite

Hope you are not breached wolf. Do you keep the sandbags or have to get new ones each time?
You to Mrs stay safe, no floating away pls.

Still raining here but other than standing water on the road we are ok. Hilly

Thank you Life we will be ok here but the rivers will render the bridges out of use and l may find it difficult to go to Mumbobs tomorrow .
Will have to see how we go , one thing, as soon as the rain stops. the river goes down as quickly as it rose . Fingers crossed !

Hope those of you in flood risk areas are ok. It has been a really wet day here but nothing like where some of you are.

£65 on grocery dey
£50 on jeans for DD1, 2 pairs.

Hi all quick pop on to say hello!!

Life still difficult here unfortunately, dd struggling with lockdown and the ED is still a daily battle.

We did get one step closer to an ASD diagnosis last week though after a very long consultation with a psychiatrist. They still want to do another assessment with her but the Dr said she scores very highly so likely to get a diagnosis... finally.

Money is still very tight, not sure where it goes but the last few months I've had to dip into my savings a fair bit. Probably linked to stress of lockdown and dd and not planning as well maybe.

Anyway hope everyone else is well?