Sundaysgirl's MFW journey - better late than never!

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  • Sundaysgirl
    Sundaysgirl Posts: 1,096 Forumite
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    Popped into the big supermarket last night to take advantage of some MOCs, £3.66 spend so

    3. Grocery budget £125 - £110.88/£125

    £14.12 to spend this evening when I do the weekly shop - good job it's at Mr L's! I've meal planned for next week and we don't need a huge amount so I just might manage it...

    50% off listings on eB*y so must get around to that this weekend.

    5 days left until pay day and I'm itching to make an OP!
    MFW 2017 #123 2018: £1,852.64/£39,200 (4.7%)
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
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    Sundaysgirl wrote: »
    5 days left until pay day and I'm itching to make an OP!

    Me too! Mine is 7 days away, though. :(
  • Sundaysgirl
    Sundaysgirl Posts: 1,096 Forumite
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    Pay day!

    I've had to restrict my OP quite a bit this month as I'm waiting for £1k refund re cancelled flights a few weeks ago - long story. Will OP a chunk when they finally cough up.

    1Poll paid out the £40, and I have £24 £co, £5 saving on my haircut last week thanks to my loyalty card and - big bonus which I'd completely forgotten about - this month and next I don't have salary deductions for my season ticket (as it's payable over 10 months), so £100 extra there. I decided to OP £570.

    Update on last month's goals:

    1. Mortgage to £41,750 - OP £120 - mortgage to £41,717.95 pre OP
    2. eBay sales of £100 - £68/£100 - must try harder, had no time recently!
    3. Grocery budget £125 - £128.04/£125
    4. Cash out my OnePoll account - received!

    Back with my goals for the next month soon!
    MFW 2017 #123 2018: £1,852.64/£39,200 (4.7%)
  • Sundaysgirl
    Sundaysgirl Posts: 1,096 Forumite
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    Current mortgage balance £41,147.95.

    Goals through to Christmas:

    1. Mortgage to sub-£39k - OP £1,505.47 - £0/£1,505.47
    2. eBay sales of £50 - £0/£50
    3. Grocery budget £115 - £0/£115
    4. Cashback payouts of £10 - £0/£10

    We have two weekends away planned this month, lots of work events and well stocked cupboards/freezer so I'm cutting the grocery budget further.

    Wish me luck!
    MFW 2017 #123 2018: £1,852.64/£39,200 (4.7%)
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
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    Ambitious grocery target! :) I'm hoping we can get by with about double that ;), but we also don't batch cook and have no time away planned.

    Sub-39k would be great for the mortgage. :)
  • Sundaysgirl
    Sundaysgirl Posts: 1,096 Forumite
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    My standard mortgage payment has come off so my balance now stands at £40,419.95!


    Bit of a spendy weekend away but could have been a lot worse - a lunch out and a few (planned) gifts purchased to take advantage of the sales. Lots of lovely family- and friends- time indoors rather than expensive dinner/coffee dates.


    I have an eb*y offer so must get on that this week.
    MFW 2017 #123 2018: £1,852.64/£39,200 (4.7%)
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
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    You'll smash through your mortgage goal this month with your OP target. :D

    Spendy weekend for us as well but the holidays should be pretty cheap/quiet (especially if we can resist boxing day sales).
  • Sundaysgirl
    Sundaysgirl Posts: 1,096 Forumite
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    We're overseas for the duration of the holidays so the January credit card bills should be very low indeed, hoping my Jan OP will be a good 'un :D
    MFW 2017 #123 2018: £1,852.64/£39,200 (4.7%)
  • Sundaysgirl
    Sundaysgirl Posts: 1,096 Forumite
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    Daily interest down to £2.76! I bagged up £20 in £1 coins last night and have OP'd this today.


    Mini update:


    1. Mortgage to sub-£39k - OP £1,505.47 - £20/£1,505.47
    2. eBay sales of £50 - £0/£50
    3. Grocery budget £115 - £13.92/£115
    4. Cashback payouts of £10 - £0/£10
    MFW 2017 #123 2018: £1,852.64/£39,200 (4.7%)
  • Sundaysgirl
    Sundaysgirl Posts: 1,096 Forumite
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    Another train delay refund of £1.20 so OP'd that.


    1. Mortgage to sub-£39k - OP £1,505.47 - £21.20/£1,505.47
    MFW 2017 #123 2018: £1,852.64/£39,200 (4.7%)
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