My credit rating has crept up a little. And my New & Improved Income™, while still not a king's ransom, evidently will qualify for a bigger home loan than I had expected.
I just re-read that sentence and laughed to myself. I still have a caravan to sell, a car loan to repay, and then I need to save the money for the legal fees and moving costs. It's not happening anytime soon. But baby steps, so they say.
Anyway as I was saying, the mortgage might well be higher than I had thought possible. This opens up better opportunities. I think I know where I would like to buy - in a tourist area - and while I can't afford the exact area I would prefer, it seems as if there are decent properties that need some TLC and can be flipped by someone willing to do the work. I'm not really willing to do the super-hard yards, these hands are not handling a sledgehammer. But I'll merrily camp in a single room and eat out of a microwave while I pay someone else to replace a kitchen. It's useful to be somewhat adaptable.
And as always I have found "the" property I want, and as usual, it'll sell to someone else a year before I am ready to move. Still, one does have to have dreams :)
Friday, 12 July 2019
Monday, 8 July 2019
Optimism Of A Sort
Job is going ok. It's not going to be mentally-taxing stuff, but I think I can be reasonably content there. They fed me again and sent me home with a bag of bread rolls and some salad, and a share of the tips (not a king's ransom but nobody rejects a few quid). Two very long days though and without breaks... we are encouraged just to eat when we can rather than taking organised breaks, so I do hope they pay the whole shift. I've also noticed they're doing the old "random single days off" trick that I disliked in a previous life. We will see if this is par for the course. I am not nearly as bone tired as that previous job was though, so the shift pattern might prove to be acceptable.
I found a second shirt for work at a charity shop (then came home and found a third one sitting in my wardrobe, d'oh). Still, they will get used and I won't be washing non-stop anymore.
Spent £5 getting Pugsley a bath. He really needed it, and I'm taken aback by how shiny he is now. Also got a well-overdue hair trim (£7.50). Accidentally switched off the fridge overnight and my hommous was inedible the next day - there wasn't much left but it was incredibly unpleasant to realise mid-mouthful!
Oh, and I also spent £2.40 on four drinking glasses. I had been eyeing them for a while and saw them reduced today, so I splashed out. Get it, splashed out. Uh, I'm here all week...
I found a second shirt for work at a charity shop (then came home and found a third one sitting in my wardrobe, d'oh). Still, they will get used and I won't be washing non-stop anymore.
Spent £5 getting Pugsley a bath. He really needed it, and I'm taken aback by how shiny he is now. Also got a well-overdue hair trim (£7.50). Accidentally switched off the fridge overnight and my hommous was inedible the next day - there wasn't much left but it was incredibly unpleasant to realise mid-mouthful!
Oh, and I also spent £2.40 on four drinking glasses. I had been eyeing them for a while and saw them reduced today, so I splashed out. Get it, splashed out. Uh, I'm here all week...
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photo posed by models |
Thursday, 4 July 2019
Forwards, I Suppose
New job is going ok :) I am a little bit frustrated by the whole "looking around for something to do" thing but I know it's because right now there are many tasks I'm not trained in. They're training me in something new this week and I'm a bit nervous. I don't worry about the tasks themselves, I worry about the fact that they expect me to remember customers' names. I'm going to struggle with that because I simply will not remember their faces - forget names, if I am face-to-face with the man I spent ten minutes chatting with yesterday, I will still draw a complete blank when looking at him. Oh well, I guess I will just have to hope that giving them a smile will result in forgiveness.
Test results came back with good news. A weight has definitely been lifted off my mind and my mood has improved out of sight.
Spent: £2 on a black t-shirt for work (my work uniform is taking its time so I intend to go charity-shop trawling again today in the hope of finding a second one). I would also eventually like another pair of work trousers as mine are rather big and awkward on me. Ditto for shoes, I'm wearing my "good" boots to work but they'll be ruined if I keep wearing them in the kitchen. Even so, I will put that buy off as long as I can.
Win: work feeds me on work days and the food is lovely. Unexpected win!
I am averaging about one enquiry per day on my caravan. The agent had it two months and got zero. Maybe I should start a new career hahaha!
Test results came back with good news. A weight has definitely been lifted off my mind and my mood has improved out of sight.

Win: work feeds me on work days and the food is lovely. Unexpected win!
I am averaging about one enquiry per day on my caravan. The agent had it two months and got zero. Maybe I should start a new career hahaha!
Monday, 1 July 2019
Enough.

I start my new job tomorrow and I'm equal parts excited and meh! I also do my last cleaning shift tomorrow so I guess after that, it will seem real. Moving forwards, finally.
Even knowing that I have a skint month coming up (since my old & new jobs won't have the same paydays), I am sort of surprised that my bank account is sort of looking ok. It's taking all my self-control not to just pay out my interest free credit cards. Maybe if I still look in surplus two months from now, I'll whack it on my car loan.
Thursday, 27 June 2019
Social Media Hiatus
I have put myself on one (blogging excepted) due to being a horrible, hyperactive, nasty piece of work. I know it's stress that is doing this - I have been quite unhappy in my job and am busy waiting on my test results - but there is no excuse for taking it out on others, which I did. An absolute black cloud attitude was hovering over my head and I needed to put myself in the naughty chair. It's so tempting to open it all up "just for a peek" but so far I am staying strong.
A nice-ish side effect is that I got a few things done. I phoned the estate agent and by a sheer stroke of luck got someone more useful than their receptionist-bouncer who usually blocks me getting to anyone who actually works in property. Somehow I got the actual sales guy who came out to take the photos two months ago. I gave him a polite bollocking for the entire office having zero contact with me, their client, for more than eight weeks. I extracted a very hasty and desperate promise that he'd drop the price immediately as I had asked for weeks ago. We'll see. My confidence in them is already in the toilet. No phone calls, no contact, and not responding to my messages, not even after I got head office involved on three separate occasions and appealed directly to their branch manager (all calls and emails got me nothing but empty promises). Their contact centre even called me after a month to do a satisfaction survey - the lady was shocked I'd heard nothing - but her kind promises to get a listing upgrade were also empty ones, so apparently their entire company can't business their way out of a paper bag. Usually I'd avoid mentioning the business as their punishment, but they have truly excelled in being absolutely terrible, so here you go - avoid Connells Estate Agents like the plague, their customer service is not just bad, it's non-existent. I don't understand how they have any clients at all.
I also went for a job interview today and got the job. I will be working in a bar and restaurant, doing a bit of everything, barista, bartender, waitress, food preparation. I can't wait, they seem really lovely. The work is quite seasonal, so they are busy over the summer then the work drops off a little, but I sensed my interview was going incredibly well and I managed to extract a promise of minimum contracted hours. I drove home fist-pumping and immediately put in my notice on the cleaning job.
Did a couple more one-off days as a temp, this time for a small festival in Cornwall. It was a nice change and not difficult work. It pays the bills, so they say!
Big naughty spend: basic tablet £109 pounds, something I have had my eye on for a while. I can't afford it and can't excuse it, so another skint month is coming.
Good: I have finally, officially, gotten to the half-way point in my weight loss journey.
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Connells Estate Agents. Thumbs down. |
I also went for a job interview today and got the job. I will be working in a bar and restaurant, doing a bit of everything, barista, bartender, waitress, food preparation. I can't wait, they seem really lovely. The work is quite seasonal, so they are busy over the summer then the work drops off a little, but I sensed my interview was going incredibly well and I managed to extract a promise of minimum contracted hours. I drove home fist-pumping and immediately put in my notice on the cleaning job.
Did a couple more one-off days as a temp, this time for a small festival in Cornwall. It was a nice change and not difficult work. It pays the bills, so they say!
Big naughty spend: basic tablet £109 pounds, something I have had my eye on for a while. I can't afford it and can't excuse it, so another skint month is coming.
Good: I have finally, officially, gotten to the half-way point in my weight loss journey.
Monday, 24 June 2019
Chicken and Mushroom Pasta - No Cook
I have a few longggg days of work coming up, and realised in annoyance that I don't have much in the house for meals if I need to eat them out of the house. Salad is great, but after 13 hours with only a salad and some snacks, I would probably have ended up a heap on the floor.
So here's a recipe I threw together. It serves four and is rather nice.
1 can of chicken & mushroom soup (if it's the condensed kind, add the liquids as stated on the tin, then use half in this recipe and put half in the fridge for another time)
1 can of canned carrots
about 200g dry spaghetti
3 cooked chicken breasts, shredded
Shred the chicken.
Drain the carrots and fill the tin back up with boiling water. Leave to sit.
Break the spaghetti into small pieces, place in a container or saucepan, add a pinch of salt and cover with boiling water. Stir, cover and stir again after five minutes. Leave to sit ten minutes. There is no need to cook or heat at this point, just let the boiling water do the job.
Drain the pasta and carrots and mix everything together. Heat the whole lot in the microwave or saucepan until the mix is hot, but not boiling. Stir regularly.
Enjoy. Cost per serving is around 75p if you use fresh steamed carrots.
You could of course use a tin of spam or different vegetables. You can make this without cooking if you have a kettle and swap the tin of soup for 2 packs of soup in a cup plus 300mL boiling water.
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It wasn't this pretty, but was still delish |
1 can of chicken & mushroom soup (if it's the condensed kind, add the liquids as stated on the tin, then use half in this recipe and put half in the fridge for another time)
1 can of canned carrots
about 200g dry spaghetti
3 cooked chicken breasts, shredded
Shred the chicken.
Drain the carrots and fill the tin back up with boiling water. Leave to sit.
Break the spaghetti into small pieces, place in a container or saucepan, add a pinch of salt and cover with boiling water. Stir, cover and stir again after five minutes. Leave to sit ten minutes. There is no need to cook or heat at this point, just let the boiling water do the job.
Drain the pasta and carrots and mix everything together. Heat the whole lot in the microwave or saucepan until the mix is hot, but not boiling. Stir regularly.
Enjoy. Cost per serving is around 75p if you use fresh steamed carrots.
You could of course use a tin of spam or different vegetables. You can make this without cooking if you have a kettle and swap the tin of soup for 2 packs of soup in a cup plus 300mL boiling water.
Thursday, 20 June 2019
The Mental Speed Hump
I am seeing more and more how Universal Credit serves as not just a mental speed hump, but an actual barrier to work.
At the moment I have around five weeks' worth of expenses in the bank. I will get paid in a week or so, meaning my emergency fund is only a month. This feels really uncomfortable (this has been my life for about six months) but it is a cushion of sorts, and that means I'm in a better position than many people. At the same time, it renders me pretty unable to make any sacrifices in order to improve my situation.
I have already had to decline the extra shifts from my own employer, as they're just not worthwhile unless they are at least a few hours. And if I say yes to the longer ones, I'm literally working well past midnight - this is a problem as one of my jobs' alarm systems would wake the neighbours just from unlocking & relocking the building... and secondly, do I want to be out at my remote job at 4am? No I do not. If I take a couple of those shifts, I lose my tiny council tax subsidy.
In the above examples it's only a small difference of income that I'm unable to accept the work. But I know parents forced out of work completely because the upfront fees for childcare are impossible. It doesn't matter that it'll get reimbursed later. It is the simple fact that the bill can't be paid with air.
This crock of absolute shit that people are better off in work just doesn't hold true. No rich politician would be happy with a 63% tax rate. But that's the effective tax rate if you find extra work while employed part-time but also on Universal Credit. Did you just take on some extra work, and earn 100 pounds? Great, but you're only keeping 37 of it. £3.04 per hour sounds good, doesn't it? Do you think that wage would entice any politician to do some extra work? And remember, you have to pay the bus fare, or fuel your car, long before you get paid. You can't put an IOU into the petrol tank. You can't buy work clothing on a promise.
An agency has given me some work for a local event coming up. As I missed a day of work for my recent medical thang, it's actually worthwhile doing. How ridiculous that I had to calculate that before accepting the job.
So this is all a major speed hump. I would like to be on a bigger income, but I'd like to do it in a big jump so I no longer need to even think about Universal Credit or my council tax, so that the income limit is a long way behind my income.
The most frustrating part is that I actually earn enough for a mortgage - which would lower my housing costs - and I have seen suitable properties. But it would require I pay out my interest-free credit cards. I could do that, but there goes my emergency fund. If I had an extra 10 hours of work per week, I'd feel safe to do that, and the caravan sale will cover deposit and solicitor fees.
Ho hum more job applications need to go in.
At the moment I have around five weeks' worth of expenses in the bank. I will get paid in a week or so, meaning my emergency fund is only a month. This feels really uncomfortable (this has been my life for about six months) but it is a cushion of sorts, and that means I'm in a better position than many people. At the same time, it renders me pretty unable to make any sacrifices in order to improve my situation.
I have already had to decline the extra shifts from my own employer, as they're just not worthwhile unless they are at least a few hours. And if I say yes to the longer ones, I'm literally working well past midnight - this is a problem as one of my jobs' alarm systems would wake the neighbours just from unlocking & relocking the building... and secondly, do I want to be out at my remote job at 4am? No I do not. If I take a couple of those shifts, I lose my tiny council tax subsidy.
In the above examples it's only a small difference of income that I'm unable to accept the work. But I know parents forced out of work completely because the upfront fees for childcare are impossible. It doesn't matter that it'll get reimbursed later. It is the simple fact that the bill can't be paid with air.
This crock of absolute shit that people are better off in work just doesn't hold true. No rich politician would be happy with a 63% tax rate. But that's the effective tax rate if you find extra work while employed part-time but also on Universal Credit. Did you just take on some extra work, and earn 100 pounds? Great, but you're only keeping 37 of it. £3.04 per hour sounds good, doesn't it? Do you think that wage would entice any politician to do some extra work? And remember, you have to pay the bus fare, or fuel your car, long before you get paid. You can't put an IOU into the petrol tank. You can't buy work clothing on a promise.
An agency has given me some work for a local event coming up. As I missed a day of work for my recent medical thang, it's actually worthwhile doing. How ridiculous that I had to calculate that before accepting the job.
So this is all a major speed hump. I would like to be on a bigger income, but I'd like to do it in a big jump so I no longer need to even think about Universal Credit or my council tax, so that the income limit is a long way behind my income.
The most frustrating part is that I actually earn enough for a mortgage - which would lower my housing costs - and I have seen suitable properties. But it would require I pay out my interest-free credit cards. I could do that, but there goes my emergency fund. If I had an extra 10 hours of work per week, I'd feel safe to do that, and the caravan sale will cover deposit and solicitor fees.
Ho hum more job applications need to go in.
Sunday, 16 June 2019
Shopping Trolleys - The Work Of Satan

Which is what I did. The total was breathtaking.
I mean, I did need to stock up as I'll be stuck at home for a few days due to a minor health thing later in the week. But I also bought several bigger-ticket items, which I didn't strictly need (mistake #1 right there) and I was shocked and disgusted with the total. Poor effort, me!
Included was a small budget frozen pizza. Definitely not part of a low calorie diet (but most assuredly delicious). Same with the frozen cheesecake. Surprisingly, I am still not losing weight... I cannot imagine why not...
I am feeling a bit antsy, I keep looking at property websites and thinking: Hey, that property is only X pounds, that's totally doable! And then I realise they hey, living below the poverty line means I cannot possibly qualify for a loan right now until I increase my earnings.
I am reminded of the adage that "being poor is very expensive". It's not as obvious as it seems, it means that when you have little in the way of earnings, you lose the ability to choose, and are forced to live in quite expensive ways.
You can't buy in bulk if there is only £10 for your groceries, meaning that poor people's groceries are more expensive.
You can end up with late payment fees on bills, meaning utilities cost more.
You risk disconnection fees, meaning your services are flaky and cost double.
You can't get a home loan, so you pay more for your housing as you're forced to rent.
Poor households are more likely to opt for pawn shops or payday loans, which are eye-wateringly expensive compared with nice, tidy, cheap personal loans from a bank.
There are many more examples but you get the idea. I have been very fortunate, I am reasonably financially-literate and haven't got payday loans, late payment fees, interest-bearing credit card debt or utility disconnections. But it is quite sobering to read some peoples' stories and see how they end up in a spiral of debt which realistically is not always their own fault. We simply do not teach personal finance in school.
Why not, again?
Wednesday, 12 June 2019
Saturday, 8 June 2019
Pugsley Lives!
Turns out the problem was in fact what I had hoped - a very cheap fix done while I waited. Brickbat to the previous mechanic who had apparently left things in a silly state and had also not done all the things he should have. Lesson learned and I have found a lovely new mechanic to look after my baby from here on.
Side effect of him doing things while I waited was that I didn't go out shopping for the planned new jeans I had in mind (well, it saves money).
Glasses have arrived from Zenni and I am over the moon with them! The prescription sunglasses in particular are amazing. I am still getting used to the new prescription and it's a little bit odd to drive with specs on, but that's just a teething problem.
Still no new job. I am a bit meh about the low number of replies I'm getting. I should increase the effort I'm putting in, and hopefully that will help. I did get one reply thanking me but advising that I'm not successful for the position of apprentice butcher (I definitely did not apply to become an apprentice butcher, so I think I'm ok with this).
New credit card approved and arrived. They have reneged and told me I can't have a balance transfer because I haven't lived in this flat long enough to satisfy their credit check (long enough to be trusted, really, for another five months). What a waste of time. Oh well, it still helps my credit rating, a £0 balance on a decent limit just decreases the overall % of my available credit that's in use.

Glasses have arrived from Zenni and I am over the moon with them! The prescription sunglasses in particular are amazing. I am still getting used to the new prescription and it's a little bit odd to drive with specs on, but that's just a teething problem.
Still no new job. I am a bit meh about the low number of replies I'm getting. I should increase the effort I'm putting in, and hopefully that will help. I did get one reply thanking me but advising that I'm not successful for the position of apprentice butcher (I definitely did not apply to become an apprentice butcher, so I think I'm ok with this).
New credit card approved and arrived. They have reneged and told me I can't have a balance transfer because I haven't lived in this flat long enough to satisfy their credit check (long enough to be trusted, really, for another five months). What a waste of time. Oh well, it still helps my credit rating, a £0 balance on a decent limit just decreases the overall % of my available credit that's in use.
Tuesday, 4 June 2019
Wise Words From A Banker
Since the ones who work for high street banks rarely speak out, this person's comments are gold. To protect his anonymity I am not going to quote him directly, but explain what he had to say about credit cards and the big fat commissions he receives for encouraging people to live on credit.
...The clients we love best are the ones who love their credit cards. The ones who spend almost up to the limit and keep it there. They will raise the limit as high as it will go and always accept the increases that we offer. They use, use, use their cards. They never pay it all off, or they take a very long time to pay it off. They go through their lives thinking they have their credit "under control" because even if sometimes they only make the minimum payment, they catch up a little bit now and then and keep themselves in good standing with the bank.
We rake in the fees and interest charges. They get used to a life where having a credit balance is normal.
We see patterns in these types of clients. They take a summer holiday then battle against that balance for the rest of the year. They spend up big for Christmas, amounts they can't afford, then struggle to pay a little bit off over the following six months, just in time to max it all over again for another summer holiday. And the cycle repeats. They are never in trouble really, but obviously throwing money to us hand over fist in credit charges, because maintaining a high credit burden is not cheap.
These people are not all stupid but banks are very good at not making it obvious what this credit is costing them. They pay attention to the balance, they pay attention to the minimum repayments, and everything else is lost in the busy routine of just getting through life from day to day. And thirty or forty quid in charges for the month doesn't seem like very much money, because they aren't really noticing the fact that they will be paying it again next month too and for the foreseeable future. It's just another bill to them, part of living life.
He goes on to name a few "rules" when it comes to debt and credit:
1. If you are struggling to manage, pay off or even just understand your loans or credit, GET HELP. You can get free and impartial assistance from many places. It is nothing to be embarrassed about, millions of people are in debt, and remember that banks spend a lot of money fooling people smarter than you. Get your revenge by getting financially well. You're not alone and people are paid to help you. Let them.
2. Read up on online debt and money saving communities. Find and join a good one that gives advice in your own country since things differ depending on where you live.
3. Credit cards are not for luxury purchases. Don't use them for a bigger TV, for buying gifts, for an expensive Christmas, or for a holiday. People who have had large credit card balances for a long time need to learn not to spend on luxuries, and all these things are luxuries. No treating yourself - or anyone else - on credit.
4. Bankruptcy is not usually the way out. In most cases it will haunt you longer than doing things the usual way. Don't be tempted with this unless an independent advisor tells you it is your best option - and even then, get a second opinion.
5. If you regularly can't get your card down to zero each month then cut it up - and don't apply for more cards. Pay as much as you can each month until it is gone, even just a fiver extra will save you interest and help you move away from being your bank's favourite client.
...The clients we love best are the ones who love their credit cards. The ones who spend almost up to the limit and keep it there. They will raise the limit as high as it will go and always accept the increases that we offer. They use, use, use their cards. They never pay it all off, or they take a very long time to pay it off. They go through their lives thinking they have their credit "under control" because even if sometimes they only make the minimum payment, they catch up a little bit now and then and keep themselves in good standing with the bank.
We rake in the fees and interest charges. They get used to a life where having a credit balance is normal.
We see patterns in these types of clients. They take a summer holiday then battle against that balance for the rest of the year. They spend up big for Christmas, amounts they can't afford, then struggle to pay a little bit off over the following six months, just in time to max it all over again for another summer holiday. And the cycle repeats. They are never in trouble really, but obviously throwing money to us hand over fist in credit charges, because maintaining a high credit burden is not cheap.
These people are not all stupid but banks are very good at not making it obvious what this credit is costing them. They pay attention to the balance, they pay attention to the minimum repayments, and everything else is lost in the busy routine of just getting through life from day to day. And thirty or forty quid in charges for the month doesn't seem like very much money, because they aren't really noticing the fact that they will be paying it again next month too and for the foreseeable future. It's just another bill to them, part of living life.
He goes on to name a few "rules" when it comes to debt and credit:
1. If you are struggling to manage, pay off or even just understand your loans or credit, GET HELP. You can get free and impartial assistance from many places. It is nothing to be embarrassed about, millions of people are in debt, and remember that banks spend a lot of money fooling people smarter than you. Get your revenge by getting financially well. You're not alone and people are paid to help you. Let them.
2. Read up on online debt and money saving communities. Find and join a good one that gives advice in your own country since things differ depending on where you live.
3. Credit cards are not for luxury purchases. Don't use them for a bigger TV, for buying gifts, for an expensive Christmas, or for a holiday. People who have had large credit card balances for a long time need to learn not to spend on luxuries, and all these things are luxuries. No treating yourself - or anyone else - on credit.
4. Bankruptcy is not usually the way out. In most cases it will haunt you longer than doing things the usual way. Don't be tempted with this unless an independent advisor tells you it is your best option - and even then, get a second opinion.
5. If you regularly can't get your card down to zero each month then cut it up - and don't apply for more cards. Pay as much as you can each month until it is gone, even just a fiver extra will save you interest and help you move away from being your bank's favourite client.
Friday, 31 May 2019
Off the Wagon
So I spent almost a week eating approximately my entire body weight, and only attended the gym twice. Poor effort all round.
Somehow I gained nothing. I don't understand, but I'm not complaining.
It will, however, make it tough to beat my distance record. That will teach me to be lazy. I did six miles yesterday as penance!
I'm still getting by on my remaining coins, and even so, the rapidly-dwindling amount in the bank is alarming. All I really need is a job that pays me to stay home and do nothing - is that too much to ask?
Estate Agent is being very annoying and took three weeks to list my caravan for sale. Total communication was one PDF proof document that contained incorrect information about the van, then silence. Does it take three weeks to paste photos into a PDF and write three paragraphs of info? I then asked what was going on (they didn't bother to reply to my email) and the ad appeared the next day. The van is overpriced on the agent's recommendation, and I fully expect a big fat zero in enquiries, so I'll give it two more weeks then get the price dropped.
I'm beginning to come to grips with just how tight my budget is and wishing I had the space for my own treadmill again, to save from paying gym fees. And in general I'd like to have a slightly larger living space. I am usually content in my little box, but there is no flexibility whatsoever on possessions or furniture, which is sometimes annoying. This leads me to wistful property website trawling where I dream of all the properties I'm going to own in future!!
Somehow I gained nothing. I don't understand, but I'm not complaining.
It will, however, make it tough to beat my distance record. That will teach me to be lazy. I did six miles yesterday as penance!
I'm still getting by on my remaining coins, and even so, the rapidly-dwindling amount in the bank is alarming. All I really need is a job that pays me to stay home and do nothing - is that too much to ask?
Estate Agent is being very annoying and took three weeks to list my caravan for sale. Total communication was one PDF proof document that contained incorrect information about the van, then silence. Does it take three weeks to paste photos into a PDF and write three paragraphs of info? I then asked what was going on (they didn't bother to reply to my email) and the ad appeared the next day. The van is overpriced on the agent's recommendation, and I fully expect a big fat zero in enquiries, so I'll give it two more weeks then get the price dropped.
I'm beginning to come to grips with just how tight my budget is and wishing I had the space for my own treadmill again, to save from paying gym fees. And in general I'd like to have a slightly larger living space. I am usually content in my little box, but there is no flexibility whatsoever on possessions or furniture, which is sometimes annoying. This leads me to wistful property website trawling where I dream of all the properties I'm going to own in future!!
Monday, 27 May 2019
Mechanic Booked
And I do hope that it's not an expensive repair, since my budget is zero...
Despite explaining to my supervisor why I can't take extra shifts, he is still asking me to cover more hours, which is frustrating and annoying. I was almost glad that Pugsley is unwell, as it gave me a good reason to say that I can't. If the worst comes to the worst and he can't be driven on Wednesday, I'll be walking one hour each way to my main job as it is. If the car is repaired in time, I still don't think it's ok expecting me to work until 2am on a pitiful wage.
An unexpected expense is in my future - my Australian passport will need renewing, as apparently I will not be legally allowed to travel there on my British one. This is really frustrating, as the cost is big enough that without a significant increase in earnings, my trip to Australia simply will not happen this year.
A little bit down in the dumps this week, eating and sleeping a lot out of boredom. It's a side-effect of not needing to wake up early along with me taking stock of my budget. I have put the Vanguard investment on hold for the moment. Another job would be useful plus probably boost my mood, and a change is as good as a holiday, so I have applied for a few and let's hope I get some replies.
Payday is coming soon and I know I'll go through the following emotions: YAY it's payday - PHEW the bank account is over four figures - UGH I only have four figures - UGH I am spending more than I earn - UGH it will dwindle fast.
Despite explaining to my supervisor why I can't take extra shifts, he is still asking me to cover more hours, which is frustrating and annoying. I was almost glad that Pugsley is unwell, as it gave me a good reason to say that I can't. If the worst comes to the worst and he can't be driven on Wednesday, I'll be walking one hour each way to my main job as it is. If the car is repaired in time, I still don't think it's ok expecting me to work until 2am on a pitiful wage.
An unexpected expense is in my future - my Australian passport will need renewing, as apparently I will not be legally allowed to travel there on my British one. This is really frustrating, as the cost is big enough that without a significant increase in earnings, my trip to Australia simply will not happen this year.
A little bit down in the dumps this week, eating and sleeping a lot out of boredom. It's a side-effect of not needing to wake up early along with me taking stock of my budget. I have put the Vanguard investment on hold for the moment. Another job would be useful plus probably boost my mood, and a change is as good as a holiday, so I have applied for a few and let's hope I get some replies.
Payday is coming soon and I know I'll go through the following emotions: YAY it's payday - PHEW the bank account is over four figures - UGH I only have four figures - UGH I am spending more than I earn - UGH it will dwindle fast.
Thursday, 23 May 2019
Bad Behaviour
The weight loss is getting harder (or maybe I'm becoming lazier). I find myself maniacally craving carbs, which is very annoying when there isn't really snack food in the house. Twice in a row last week I went and bought a "meal deal" because I was desperate for a sandwich - how ridiculous is my life lmao?!
So I stupidly walked into the bread section today to get half a loaf, and came away with these, which while great value, are not very low-carb diet-friendly. As punishment, the caramel-choc hot cross buns are not delicious. But anyway, I've put the donuts in the freezer and the buns will be my daily afternoon snacks.
I also might have already eaten three biscuits today... and a pot noodle... and not had either proper breakfast or lunch...
I'm noticing a few niggles health-wise which are probably down to the very low calories, which I've been following a bit longer than I probably should. It's frustrating because I am not yet at my goal weight, but this might force me to take a week or two off. I'll think about it.
I added an extra item today in the shopping which was totally non-essential - caramel sauce for £1.40. As further punishment, I was £1.35 short of paying the whole lot in cash and had to whip out the card. Still, I lasted quite a while (and there are some more coins at home).
So I stupidly walked into the bread section today to get half a loaf, and came away with these, which while great value, are not very low-carb diet-friendly. As punishment, the caramel-choc hot cross buns are not delicious. But anyway, I've put the donuts in the freezer and the buns will be my daily afternoon snacks.
I also might have already eaten three biscuits today... and a pot noodle... and not had either proper breakfast or lunch...
I'm noticing a few niggles health-wise which are probably down to the very low calories, which I've been following a bit longer than I probably should. It's frustrating because I am not yet at my goal weight, but this might force me to take a week or two off. I'll think about it.
I added an extra item today in the shopping which was totally non-essential - caramel sauce for £1.40. As further punishment, I was £1.35 short of paying the whole lot in cash and had to whip out the card. Still, I lasted quite a while (and there are some more coins at home).
Sunday, 19 May 2019
Click, click
My increased credit limit has finally shown up on my credit report and my rating is now back up to the magnificent rating of "fair". I will save the confetti for another time.
Free sandwiches, quiche and a sausage roll from work. Also the last digestive biscuit in the packet. Thank you, Freebie Fairy.
I have been given some extra shifts from work, mostly 1 or 1.5 hours at a time. This will probably tip me back over the cut-off for Universal Credit. Those extra shifts, I will lose most of in top-up UC and taxes. I end up working for £2 an hour PLUS I am paying fuel to get there... I have made the very-irritating decision that I will now decline all extra work from this employer. I can't afford to go backwards to accept extra work, these tiny shifts always at different locations. No wonder some people are unable to accept jobs altogether.
One of my colleagues gave notice this week for reasons beyond her control. Between she and I, we were covering almost all their open shifts and sick calls, and that's coming to a screaming halt all at once. I predict a very bad week for management but I'm not going to allow myself to feel guilty. Yes, they pay me, but I've done them a lot of last-minute favours. I am a little bit annoyed that for two months I have been unknowingly doing that for free, but that's not their fault. Even so, it stops now. I will do my contracted work and nothing else. Look at me, finally getting tough?
Ideally I would get another job of shifts at least four hours at a time. I am applying for a few. Fingers crossed.
Free sandwiches, quiche and a sausage roll from work. Also the last digestive biscuit in the packet. Thank you, Freebie Fairy.
I have been given some extra shifts from work, mostly 1 or 1.5 hours at a time. This will probably tip me back over the cut-off for Universal Credit. Those extra shifts, I will lose most of in top-up UC and taxes. I end up working for £2 an hour PLUS I am paying fuel to get there... I have made the very-irritating decision that I will now decline all extra work from this employer. I can't afford to go backwards to accept extra work, these tiny shifts always at different locations. No wonder some people are unable to accept jobs altogether.
One of my colleagues gave notice this week for reasons beyond her control. Between she and I, we were covering almost all their open shifts and sick calls, and that's coming to a screaming halt all at once. I predict a very bad week for management but I'm not going to allow myself to feel guilty. Yes, they pay me, but I've done them a lot of last-minute favours. I am a little bit annoyed that for two months I have been unknowingly doing that for free, but that's not their fault. Even so, it stops now. I will do my contracted work and nothing else. Look at me, finally getting tough?
Ideally I would get another job of shifts at least four hours at a time. I am applying for a few. Fingers crossed.
Wednesday, 15 May 2019
Extra Fruit
I went in to Asda for my shopping and happened on three of these little pots. Normally I steer clear because even a reduced price isn't particularly cheap, but at 10p, that's a decent change of pace from all the mandarins and pears in my crisper :)
My Zenni glasses order ended up more expensive than expected, but still great value. I've been told I should now be wearing glasses to drive, and it's a different prescription to my new reading prescription, meaning I need separate glasses for each purpose. I ended up choosing one pair each of prescription sunglasses and clear non-reflective night glasses, and one pair for the PC. It all came to £31 including the postage, which is less than a single pair of the cheapest ones that Boots sells... Yes, I am taking a small risk that I might have made a mistake inputting my prescriptions on that site. But even if I have to get them made four times, I have still spent less!
I have come to the end of my extra temporary work. I think. I am struggling for motivation with my regular workplaces, too. It seems that I am getting bored of my job (who'd have thunk it?) so I really should get myself into gear in finding something more challenging.
Spendy McSpenderson foolishly went boredom-shopping on the way home from the optometrist. Plus side was four discounted tins of soup from the pound shop. Plus-minus was a small travel iron from a charity shop. I didn't find the actual things I wanted (some kind of small, interesting, framed print for the wall, or any curtains in a colour I liked).
This week's meals: Diced chicken breast with courgettes and mixed peppers, in gravy. Two pots of it is still in my fridge and I will be making a barbecue beef casserole to eat for another four days.
Free: Netflix binge continues whenever I'm at the gym (thank you to the lovely friend who continues to let me use their account). I am currently watching The Bridge (Swedish/Danish) and it's brilliant.
My Zenni glasses order ended up more expensive than expected, but still great value. I've been told I should now be wearing glasses to drive, and it's a different prescription to my new reading prescription, meaning I need separate glasses for each purpose. I ended up choosing one pair each of prescription sunglasses and clear non-reflective night glasses, and one pair for the PC. It all came to £31 including the postage, which is less than a single pair of the cheapest ones that Boots sells... Yes, I am taking a small risk that I might have made a mistake inputting my prescriptions on that site. But even if I have to get them made four times, I have still spent less!
I have come to the end of my extra temporary work. I think. I am struggling for motivation with my regular workplaces, too. It seems that I am getting bored of my job (who'd have thunk it?) so I really should get myself into gear in finding something more challenging.
Spendy McSpenderson foolishly went boredom-shopping on the way home from the optometrist. Plus side was four discounted tins of soup from the pound shop. Plus-minus was a small travel iron from a charity shop. I didn't find the actual things I wanted (some kind of small, interesting, framed print for the wall, or any curtains in a colour I liked).
This week's meals: Diced chicken breast with courgettes and mixed peppers, in gravy. Two pots of it is still in my fridge and I will be making a barbecue beef casserole to eat for another four days.
Free: Netflix binge continues whenever I'm at the gym (thank you to the lovely friend who continues to let me use their account). I am currently watching The Bridge (Swedish/Danish) and it's brilliant.
Saturday, 11 May 2019
Spendy
Spendy McSpenderson strikes again. I was running out of the whey protein that I bought, which is proof, I say, that it's a habit I will stick to. I found a company which sells it for a cheaper price than ASDA and it is even cheaper than buying eggs. But my dog, this company is a lesson in poor customer service. It has taken me four days to manage to put the order through and the company has been completely unhelpful.
TopCashBack* currently gives a pretty good offer for them which was the reason I went with this company above other similar prices online. Unfortunately the protein company's payment system failed by multiple channels and devices and their customer service was so unbelievably terrible that I am not even going to mention that company's name. I can't recommend a company that has nothing to offer except to blame me, and which will not even offer to arrange my cashback if the order is done by phone. Boooo. Shit quality work right there.
So to recap: Shit protein company is shit.
TopCashBack* is still awesome though and once the order was actually sorted out, the cashback appeared in my account within minutes. They really should teach the protein company how to internet and how to customer.
To my absolute surprise it looks as if I might get a part payment from Universal Credit this month. I have an advance loan from them so they might still take my whole amount as a repayment, but that's ok. I struggle a bit getting my head around the idea that my income is low enough to qualify. I didn't even particularly want to apply, but nowadays it is the only way to find out if you can get housing assistance (which came back as a small discount on my council tax).
Work has given me a few extra shifts with a client that is owed some time. I don't particularly like this workplace but I just get on with it. I applied for another few jobs and one of them is keen to meet me - food service again - time for a bit of variety, fingers crossed.
On track for another treadmill medal this month, and a higher target than the last one :)

So to recap: Shit protein company is shit.
TopCashBack* is still awesome though and once the order was actually sorted out, the cashback appeared in my account within minutes. They really should teach the protein company how to internet and how to customer.
To my absolute surprise it looks as if I might get a part payment from Universal Credit this month. I have an advance loan from them so they might still take my whole amount as a repayment, but that's ok. I struggle a bit getting my head around the idea that my income is low enough to qualify. I didn't even particularly want to apply, but nowadays it is the only way to find out if you can get housing assistance (which came back as a small discount on my council tax).
Work has given me a few extra shifts with a client that is owed some time. I don't particularly like this workplace but I just get on with it. I applied for another few jobs and one of them is keen to meet me - food service again - time for a bit of variety, fingers crossed.
On track for another treadmill medal this month, and a higher target than the last one :)
Tuesday, 7 May 2019
Upcoming Spend
£10 on an eye test at Boots next week, which will no doubt be followed by ordering two pairs of glasses from Zenni (this is not a referral link, I just think they are brilliant). I have put off this test for so long, trying to delay as long as possible because new glasses are always highly annoying, not to mention, they cost money. But it's getting to the point that it needs to be addressed, sigh. What is this ageing malarkey, I don't think I signed up for it!
I finally conceded defeat, by the way, while painting my nails and realising I couldn't do the clean-up with my glasses ON... grrrr. Well, at least painting your own nails is cheap.
Silly spend: reed diffuser for £4. Basically a bottle of smelly liquid with some sticks in it. What can I say, I like a home that smells nice. Guilty as charged.
Win: I reached payout on Prolific* and cashed out £20. This is far and away the best survey site out there because they are not actually surveys, they are scientific studies, generally by masters and doctorate students doing their theses for university. You are NEVER screened out, so every single one you get invited to, you already qualify - your time is never wasted unlike most survey sites. And it pays better than anything else out there. A typical survey will take between 2 and 20 minutes, always shows you the hourly pay rate, and generally beats minimum wage - not huge amounts of course for a short survey, but if you check the site twice a day you're quite likely to reach payout in a month, and it all helps.
Freebies: Sandwiches from workplace #1 (I just pretended I didn't know how many calories were in them). Donut from a kind lady at temporary extra workplace. Donuts are in no way, shape or form an appropriate part of a weight-loss diet, much less a very low calorie one. But I was sort of disciplined and it replaced the carbs in my dinner. I mean, one cannot say no to free food. ;)
(*=referral links)
I finally conceded defeat, by the way, while painting my nails and realising I couldn't do the clean-up with my glasses ON... grrrr. Well, at least painting your own nails is cheap.
Silly spend: reed diffuser for £4. Basically a bottle of smelly liquid with some sticks in it. What can I say, I like a home that smells nice. Guilty as charged.
Win: I reached payout on Prolific* and cashed out £20. This is far and away the best survey site out there because they are not actually surveys, they are scientific studies, generally by masters and doctorate students doing their theses for university. You are NEVER screened out, so every single one you get invited to, you already qualify - your time is never wasted unlike most survey sites. And it pays better than anything else out there. A typical survey will take between 2 and 20 minutes, always shows you the hourly pay rate, and generally beats minimum wage - not huge amounts of course for a short survey, but if you check the site twice a day you're quite likely to reach payout in a month, and it all helps.
Freebies: Sandwiches from workplace #1 (I just pretended I didn't know how many calories were in them). Donut from a kind lady at temporary extra workplace. Donuts are in no way, shape or form an appropriate part of a weight-loss diet, much less a very low calorie one. But I was sort of disciplined and it replaced the carbs in my dinner. I mean, one cannot say no to free food. ;)
(*=referral links)
Sunday, 5 May 2019
General Badassery
Completely unrelated to being frugal... today I will write about my New Body Regime™.
I always have an alarm set every day. Once I am up, I try to chill for a bit with milky coffee and social media, because brain does not function in the first hour.
Breakfast is muesli with added bran, a very small portion in a very small bowl, and I have it with 1/3 of a cup of protein shake and milk (this is not a diet shake, it's me increasing my protein intake).
Lunch is salad, no dressing. It contains at least carrot batons, mushrooms, cherry tomatoes and some kind of fruit. Then some beans, broccoli, mange tout or something else green.
In the afternoon I have some kind of 100 calorie snack (muesli bar, cake or a couple of biscuits).
Dinner is protein and more vegetables - a casserole, or chicken curry, or an omelette and veggies, and maybe with an added protein shake. There's coffee all day... not oodles of it, but always with oodles of milk :)
8-10 hours per week on a treadmill walking. It's my chill out time, Netflix and shutting out the world. I love it - and that's someone who has hated exercise all her life!
Total intake per day is about 800-1000 calories. So this is what's called VLC (very low calorie) and is also low-carb - I mostly avoid bread, potatoes, rice and pasta. I take vitamins every day, plus omega-3, calcium and glucosamine.
I am dropping about 2-3kg per week (4-7lb). My job gives me the flexibility to do all that treadmill time. I enjoy it and this arrangement works for me. As I'm low carb, I don't feel hungry or shaky. But it's not a balanced diet when the calories are this low (hence all the pill-popping) and once I reach my goal weight I will increase the food I eat.
I always have an alarm set every day. Once I am up, I try to chill for a bit with milky coffee and social media, because brain does not function in the first hour.
Breakfast is muesli with added bran, a very small portion in a very small bowl, and I have it with 1/3 of a cup of protein shake and milk (this is not a diet shake, it's me increasing my protein intake).
Lunch is salad, no dressing. It contains at least carrot batons, mushrooms, cherry tomatoes and some kind of fruit. Then some beans, broccoli, mange tout or something else green.
In the afternoon I have some kind of 100 calorie snack (muesli bar, cake or a couple of biscuits).

8-10 hours per week on a treadmill walking. It's my chill out time, Netflix and shutting out the world. I love it - and that's someone who has hated exercise all her life!
Total intake per day is about 800-1000 calories. So this is what's called VLC (very low calorie) and is also low-carb - I mostly avoid bread, potatoes, rice and pasta. I take vitamins every day, plus omega-3, calcium and glucosamine.
I am dropping about 2-3kg per week (4-7lb). My job gives me the flexibility to do all that treadmill time. I enjoy it and this arrangement works for me. As I'm low carb, I don't feel hungry or shaky. But it's not a balanced diet when the calories are this low (hence all the pill-popping) and once I reach my goal weight I will increase the food I eat.
Friday, 3 May 2019
Kitchen Madness
I hope you haven't fallen for it.
I see a lot of different workplaces in my travels, mostly office environments, and in many of these places the resident staff are the ones tasked with buying the products for cleaning the kitchens.
The usual number of cleaning products in a kitchen is 4 or 5, and there's a huge propensity towards anything labelled anti-bacterial. Which tells me that a lot of people fall for this.
What if I told you that people developing these products start with an idea, not a product? Say, this one - "Shoppers are scared of germs!" and THEN they create a brand new product that didn't even exist, that you will think you need? "Hey, let's make something new that is anti-bacterial, people will think they need it!"
Next thing you know, we have anti-bacterial varieties of kitchen wipes, kitchen sponges, kitchen scourers, kitchen cloths, kitchen deodoriser, fridge cleaner and kitchen spray. And people think they're needed.
Massive Myth: That everything needs to be sterile.
No, you do not need to kill every microbe on every surface, and in fact, you can't. Even hospitals don't manage this. The most basic way to keep your home safe from dangerous germs is to clean up two things: debris and YOUR HANDS.
If you have basic food hygiene knowledge, your kitchen will not breed dangerous levels of bacteria or pests. This basically means don't drip raw meat juice over everything, and clean up all spills and crumbs straight away. Then wash your hands with ordinary soap. Not anti-bac soap even. Just whatever hand soap.
Your kitchen benchtop is like a table - it's not a surface you should aim to prepare food directly on. This means, if you spill coffee powder, or some crumbs, it is no big deal to simply wipe it with a wet cloth and rinse the cloth. If it's something that goes "off" at room temperature, like milk, sauces or, yes, raw meat, then just hit it with a simple kitchen cleaner spray and wipe that off. In that case you'd throw the wet cloth into your washing basket, of course, not have it sitting there for later on. If you think you need anti-bacterial, you do not. Pop into your local pound shop and get yourself a single bottle of "multi purpose cleaner" concentrate. Fill a spray bottle with cold water then add a capful. Done.
Why don't I need anti-bacterial magical cleaning products in my home?
Microbes only become a big problem if they are left with food to eat, at a temperature that helps them grow to large numbers. If you leave raw chicken juice on your kitchen counter overnight, it's a nice warm environment out of the fridge and the bacteria will breed in the chicken juice and multiply. If you then place your breakfast plate in the bacteria soup the next morning, then pick that up and get the bacteria soup all over your hands, then shove those in your mouth, well you might get rather unwell. But if you wipe up that juice, and clean the surface to remove the rest, then the few bacteria in that juice will not have anywhere to multiply all night and become dangerous. Then your plate has nothing to collect and your hands aren't bathed in gribblies.
Same goes with crumbs. If you don't leave them around for creatures to eat, then they don't attract creatures which crawl all over your benches eating them! (Logic right?)
As for cleaning your sink after you wash up? Forget the magical new products and just use your kitchen scourer with some dish detergent. There's also a marvellous product called creme cleanser if you really can't shift marks like tea stains. It's that yellow thick liquid that has tiny grains of sand in it and goes by the brand name Cif (Jif). And the generic version works just as well.
Kitchen floor? One mop bucket, half a bucket of hot water, then add a cap of that generic all purpose cleaner. Mop the floor. Sorted. And just like your bench, if you spill something, wipe it up.
So why are the shops full of these specialist kitchen cleaning products?
For the same reason the shops are full of every other kind of junk. Because people buy them and companies spend money to convince you to buy them.
I, on the other hand, will not get rich telling you this!
But I do have some snake oil for you to buy...
I see a lot of different workplaces in my travels, mostly office environments, and in many of these places the resident staff are the ones tasked with buying the products for cleaning the kitchens.
The usual number of cleaning products in a kitchen is 4 or 5, and there's a huge propensity towards anything labelled anti-bacterial. Which tells me that a lot of people fall for this.
What if I told you that people developing these products start with an idea, not a product? Say, this one - "Shoppers are scared of germs!" and THEN they create a brand new product that didn't even exist, that you will think you need? "Hey, let's make something new that is anti-bacterial, people will think they need it!"
Next thing you know, we have anti-bacterial varieties of kitchen wipes, kitchen sponges, kitchen scourers, kitchen cloths, kitchen deodoriser, fridge cleaner and kitchen spray. And people think they're needed.
Massive Myth: That everything needs to be sterile.
No, you do not need to kill every microbe on every surface, and in fact, you can't. Even hospitals don't manage this. The most basic way to keep your home safe from dangerous germs is to clean up two things: debris and YOUR HANDS.
If you have basic food hygiene knowledge, your kitchen will not breed dangerous levels of bacteria or pests. This basically means don't drip raw meat juice over everything, and clean up all spills and crumbs straight away. Then wash your hands with ordinary soap. Not anti-bac soap even. Just whatever hand soap.
Your kitchen benchtop is like a table - it's not a surface you should aim to prepare food directly on. This means, if you spill coffee powder, or some crumbs, it is no big deal to simply wipe it with a wet cloth and rinse the cloth. If it's something that goes "off" at room temperature, like milk, sauces or, yes, raw meat, then just hit it with a simple kitchen cleaner spray and wipe that off. In that case you'd throw the wet cloth into your washing basket, of course, not have it sitting there for later on. If you think you need anti-bacterial, you do not. Pop into your local pound shop and get yourself a single bottle of "multi purpose cleaner" concentrate. Fill a spray bottle with cold water then add a capful. Done.
Why don't I need anti-bacterial magical cleaning products in my home?
Microbes only become a big problem if they are left with food to eat, at a temperature that helps them grow to large numbers. If you leave raw chicken juice on your kitchen counter overnight, it's a nice warm environment out of the fridge and the bacteria will breed in the chicken juice and multiply. If you then place your breakfast plate in the bacteria soup the next morning, then pick that up and get the bacteria soup all over your hands, then shove those in your mouth, well you might get rather unwell. But if you wipe up that juice, and clean the surface to remove the rest, then the few bacteria in that juice will not have anywhere to multiply all night and become dangerous. Then your plate has nothing to collect and your hands aren't bathed in gribblies.
Same goes with crumbs. If you don't leave them around for creatures to eat, then they don't attract creatures which crawl all over your benches eating them! (Logic right?)
As for cleaning your sink after you wash up? Forget the magical new products and just use your kitchen scourer with some dish detergent. There's also a marvellous product called creme cleanser if you really can't shift marks like tea stains. It's that yellow thick liquid that has tiny grains of sand in it and goes by the brand name Cif (Jif). And the generic version works just as well.
Kitchen floor? One mop bucket, half a bucket of hot water, then add a cap of that generic all purpose cleaner. Mop the floor. Sorted. And just like your bench, if you spill something, wipe it up.
So why are the shops full of these specialist kitchen cleaning products?
For the same reason the shops are full of every other kind of junk. Because people buy them and companies spend money to convince you to buy them.
I, on the other hand, will not get rich telling you this!
But I do have some snake oil for you to buy...
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