Tag Archives: savings

bills and the importance of savings

1 Apr

london wednesday 2015

this morning in the post there came the estimated half yearly service charge bill for my flat. it came to £605. but since i overpaid last time i only have to pay £480.

 but it serves to emphasise why saving is so essential when u own a flat.

the bills invariably come all at once. because today is also the day the direct debit will deduct £153 and £70 for water and council tax respectively.

for months you see your balance grows and u think i am rich. haha. then all these payments come up, and bang the balance drops.

i look on all this with a calm mind, because i know i have the money saved to pay them all.

but people who dont look ahead will be caught out and then on top of all the monthly commitments from their hire purchases and interests , from the spending they have incurred during those ‘rich’ days… they get these huge bills. so beware.

i admit i am smug about it, haha. i think i am allowed it. so there!

sometimes i forget too, and would wonder why i am so careful about not buying things when there is so much money in the bank, and wondering if i am too stingy…and then this happens and that hits me …. it is times like this gives me a jolt and shows me this is why. and then i thank myself that i dont really bother to buy stuff…

live below your means

3 Nov

london

i was reading this in my wordpress reader, about what the most important thing in personal finance. and the simple answer is ‘live below your means’.

this advice i got from my accountant too. she said just make sure that your outgoings do not exceed your income. that way u dont have to raid your capital and you will have savings. in fact, i have been following that unconsciously (i just did it without analysing it , it seems like common sense really) right from when i was very young. so it is not new to me.

like i have said, i would eat salt fish and rice and nothing else if i have to. in fact, i do like eating salt fish with rice. its delicious. haha. i never have to eat it from force of circumstances because i always live below my means.

i dont understand how people can get to rely on payday lenders.

it is easy to live within your means. but i think that is because of the way i cultivate a mindset that would make me enjoy things that i have to do or not do, to be able to live below my means. its all in the mind really. to me i never feel deprived if i have to do without or to do something to live below my means.

its natural to me and nothing to do with being deprived or rewarded or feeling good or bad about it. i often read from bloggers who did something and then say they bought a cake and coffee to reward themselves.

what is all this about rewarding oneself? a bit silly really.

just some observations

25 Feb

London
I have a happy life, and so there isn’t anything to rant about. And that means not much to write about. Haha.

The paradox of life. When u are happy with your life, there is not a lot of things to say about it. We all know that it is boring to hear another person say how happy they are and how their life is so wonderful.

Whilst we all seem to get pleasure to read of others ranting about their lives, or about something that happened to them which upset them. Well, perhaps not so much with pleasure, but certainly u get a lot of people ‘liking’ something when it is something that is upsetting the writer.

When I write about things that happen to me, it is with bemusement, or joy, ( when I find something that someone had thrown away which I like.) Or when people’s behaviour puzzles me.

I have been reading this book by will storr, ‘the heretics’ and it is such a good read and gives me further insight into people, or confirms my own views, that I find it a great read, and don’t want it to end.

My friend from Bournemouth has come and gone. It is for 3nights this time. (his national express fare is £20 return this time and even then it was for 3.30am start, and 11.30pm return.)

He came to attend the heritage exhibition in Olympia. The one where someone presented a paper about how they found from the dna y chromosome that England and wales have a million people descended from Romans.

http://www.telegraph.co.uk/science/science-news/9888402/One-million-Brits-descended-from-Romans.html

They concluded this from discovering linkages in the dna to Italians. And so they jump to the conclusion it must be the romans. Someone did mention that the roman army was not only made up of Italians. But I guess like will storr would put it, we concoct stories that pander to our own prejudices. Haha.

My friend is very keen on discovering his ancestors. And had been coming back from the exhibition every day with loads of brochures which he gives to me for some reason. Haha. I have told him I have no interest in it. But by now, we should all realise that people don’t listen. Haha.

It just means more rubbish to throw away in the recycling bins.

And he had been coming back with sweets too. They give them out and he had been taking them. So much so that at the end of the exhibition, one stall holder gave him a whole bag of these sweets . He ask me if I want them. I said no and I suggest he brings it back to give to his friends. He said he will give it to the salvation army in Bournemouth.

Well, it must be nice to get so caught up in a hobby… researching your ancestors must be rather fun for those who want to know about their ancestors.

It bores me rigid.

But to each his poison, I say.

I read that 1 in 3 don’t save any money at all.

http://www.housepricecrash.co.uk/forum/index.php?showtopic=188043

I think u might have to take that with a pinch of salt. This is because u are penalised if u are on benefits if you have savings. So many people save but not in a bank account, so that no one knows and they wont tell anyone about their savings either. Even if you are not on benefit, it pays not to have any savings. This is because if u have to go into a old folks home, u will be penalised for having savings.

And horsemeat found in ikea meatballs
http://www.guardian.co.uk/uk/2013/feb/25/horsemeat-found-ikea-meatballs

This technology of identifying dna is uncovering a huge horsemeat racket that may well have been going on for years. In the past no one can tell where the meat comes from and so it was the perfect con.

Maybe now we can legitimise horsemeat and arrange for horses to be included as another meat source. Maybe we can even have horse farms…

Added.4.40pm

London
I have discovered a tv channel called movie mix, that shows movies that I have not seen before.
Tonight at 9pm I found that they are showing a movie called Django. I clicked on it thinking , what! is it related to this oscar nominated film Django Unchained?
Well it looks like it is the first one. So tarantino’s Django Unchained is a sequel, or a prequel, or something. Haha.

The movie mix channel is not listed in my tv guide, nor in the online tv guide. Strange isn’t it? So I cannot go there to find out who made the first Django.

added. discovered that i can add movie mix to the list. so here is the link to that movie

http://www.tvguide.co.uk/detail.asp?id=149468292

The trouble is , it is on at 9pm, and that slot is always taken up by good stuff. Like tonight my favourite bbc2 death in paradise is showing. So I shall see Django after it is over then, at 10pm. added. correction, the death in paradise is tomorrow. 

Movie mix is channel 32 in the freeview.

added.11.30pm. its a ridiculous movie, dubbed badly in english. haha and quite laughably silly. not sure what the original language it was in. i did not see it to the end. instead i switched to bbc4, about chivalry and the 100 yrs war . that was interesting.

i have noticed that films are never as good as i think they will be and i lose interest very quickly. books will always remain my favourite entertainment.