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1 mortgage, 2 babies, 3 years to be MF, 4 goodness sake!- weezl's diary
weezl74
Posts: 8,701 Forumite
Hi MFWs. :hello:
Having recently joined Financial Bliss and Maz on the MFI3 take 2 challenge, I realised I’d like to have a space to talk in more detail about my MFI3 journey, so thought I’d start a diary, rather than clutter up the challenge thread. I have spectacularly failed in my original MFI3 challenge (sorry to DD5 and tallgirl, cos I aimed to be at £20k by the end of that! :rotfl:I know there are quite a few on this forum already, so I hope this doesn’t tread on any toes
My situation:
October 2007, Joined MSE. Owed £143600 on mortgage
Now reduced to £79,424.76
How I’ve done this so far:
The Weezl household consists of:
Mr Weezl (also an MSE user called acetatemonkey)
Me, Weezl74
Fergus, our 8 month old son
Bump, also Male, and due when Fergus is 1
Thank you to anyone who reads this, and I look forward to any tips you might give me along the way!
Weezl x
Having recently joined Financial Bliss and Maz on the MFI3 take 2 challenge, I realised I’d like to have a space to talk in more detail about my MFI3 journey, so thought I’d start a diary, rather than clutter up the challenge thread. I have spectacularly failed in my original MFI3 challenge (sorry to DD5 and tallgirl, cos I aimed to be at £20k by the end of that! :rotfl:I know there are quite a few on this forum already, so I hope this doesn’t tread on any toes
My situation:
October 2007, Joined MSE. Owed £143600 on mortgage
Now reduced to £79,424.76
How I’ve done this so far:
- My mad live off 50p a day challenge (food, cleaning and health things) Did this for a year and now it is slightly less strict as we have a baby and I’m pregnant again, but we still afford those things for £1 a day.
- Reduction of household costs- stopped using dishwasher
- Reduction of life/critical illness and IP in line with mortgage reduction and pension provision.
- No more foreign holidays.
- Me saying yes to additional work purely to make overpayments. Usually web design stuff. I am much more limited now in how much of this I can take on as I am on maternity leave. My main focus is on keeping our costs as low as possible.
The Weezl household consists of:
Mr Weezl (also an MSE user called acetatemonkey)
Me, Weezl74
Fergus, our 8 month old son
Bump, also Male, and due when Fergus is 1
Thank you to anyone who reads this, and I look forward to any tips you might give me along the way!
Weezl x
:hello:Jonathan 'Fergie' Fergus William, born 05/03/09, 7lb 4.4oz:hello:
Benjamin 'Kezzie' Kester Jacob, born 18/03/10, 7lb 5oz:)cash neutral gifts 2011, value of purchased gifts/actual paid/amount earnt to cover it £67/£3.60/£0
january grocery challenge, feed 4 of us for £40
0
Comments
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Welcome to the board and wow to the 50p a day challange and wow to having likkle baby and one on the way!
Good luck with your plans you've done amazingly well in 2 years so I'm sure you'll suceed.
Ev x0 -
Thanks Eva, I've been looking at your diary for a spot of inspiration too
:hello:Jonathan 'Fergie' Fergus William, born 05/03/09, 7lb 4.4oz:hello:
Benjamin 'Kezzie' Kester Jacob, born 18/03/10, 7lb 5oz:)
cash neutral gifts 2011, value of purchased gifts/actual paid/amount earnt to cover it £67/£3.60/£0
january grocery challenge, feed 4 of us for £400 -
Welcome to the challenge - You have done so well so far :beer:
You have to tell me the secret to live on £90 a month, we try and keep to around £200-£250 for the 3 of us, oops and the 4 month princess forgot about her :rotfl: 0 -
Welcome to the challenge - You have done so well so far :beer:
You have to tell me the secret to live on £90 a month, we try and keep to around £200-£250 for the 3 of us, oops and the 4 month princess forgot about her :rotfl:
thanks Deefa
We eat a lot of lentils and veg in our house! Although I'm planning a slo-cooker chilli today that's quite :money:I'll post a costing later if you like?
x
:hello:Jonathan 'Fergie' Fergus William, born 05/03/09, 7lb 4.4oz:hello:
Benjamin 'Kezzie' Kester Jacob, born 18/03/10, 7lb 5oz:)
cash neutral gifts 2011, value of purchased gifts/actual paid/amount earnt to cover it £67/£3.60/£0
january grocery challenge, feed 4 of us for £400 -
Yeah that would be great!
Forgot to ask, how do you get your work for web design, only asking as i used to do a lot of web design, but now i am graphic based, i used to do hobbles out side of work, but found the money was terrible as people wanted things for almost nothing, so i give up :mad:
Cheers0 -
and good luck0 -
Welcome. I am impressed with the 50p a day, does that include everything that is not bills? Spread out over the course of the month I probably spend that on myself but the food bills are nowhere near that.
I am looking forward to watching your progress.MFW 2025 No. 7 £600/£1200
MFiT-T7 No. 6 £1915.10/£30,0000 -
Welcome. I am impressed with the 50p a day, does that include everything that is not bills? Spread out over the course of the month I probably spend that on myself but the food bills are nowhere near that.
I am looking forward to watching your progress.
Hi AJ, the 50p a day was food cleaning and toiletries, fun was seperate. Did you mean you live off less than 50p a day for food? I am so impressed, it was a part-time job for me getting it down that low:rotfl:
:hello:Jonathan 'Fergie' Fergus William, born 05/03/09, 7lb 4.4oz:hello:
Benjamin 'Kezzie' Kester Jacob, born 18/03/10, 7lb 5oz:)
cash neutral gifts 2011, value of purchased gifts/actual paid/amount earnt to cover it £67/£3.60/£0
january grocery challenge, feed 4 of us for £400 -
Deefa, the chilli worked out at 43p for a generous helping
It's an enormous batch!:
2 cans asda SP kidney beans
4 packs SP mince
I large can costco tomatoes (equivalent of 5 asda ones)
3 packs dried onions
herbs, chilli, cumin to taste.
Lob all in Slo cooker, eat with jacket potato.
Shortbread for afters, whole dinner for 50p :money:
:hello:Jonathan 'Fergie' Fergus William, born 05/03/09, 7lb 4.4oz:hello:
Benjamin 'Kezzie' Kester Jacob, born 18/03/10, 7lb 5oz:)
cash neutral gifts 2011, value of purchased gifts/actual paid/amount earnt to cover it £67/£3.60/£0
january grocery challenge, feed 4 of us for £400 -
Hi AJ, the 50p a day was food cleaning and toiletries, fun was seperate. Did you mean you live off less than 50p a day for food? I am so impressed, it was a part-time job for me getting it down that low:rotfl:
I mean I was far too far over nowhere near. We spend around £200 a month on food, so £6 a day. I have recently joined the grocery challenge on OS though so I am hoping to cut it down. There are only 2 of us and some on there are putting me to shame with bigger families.
Right challenge on...I want to get near your totals Weezl74MFW 2025 No. 7 £600/£1200
MFiT-T7 No. 6 £1915.10/£30,0000
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