misscousinitt's MF Diary

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  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    First Anniversary First Post Mortgage-free Glee!
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    We went through our Christmas List and Budget last night and the cost is HUGE! (Though £200 less than we actually spent last year as we do go through it all and split the cost).

    We are going to try our best to come in under budget - I have some b00ts points and some nectar points to spend and I have some 2 x £5 off £20 spend for Mr T direct. Got to force DH to look for bargains this year!

    Its not that we can't afford it (and I do put money by each month), its just that it seems to be an awful lot of money when you write it all down. Even if I can reduce it by a few ££s it will help.

    Need to plan better for next year and try to get some surveys done etc.. to help cushion the blow.

    Tonight we are going shopping at a shopping centre about 6 miles away (need to get a birthday present for friends' daughter - plus we will looking for some of the toy christmas presents we are going to get).

    Am I strange? I don't really like shopping, I find it tiresome - DH doesn't mind it at all.

    We are being naughty and going out for tea, but have got a voucher (where is my halo when I need it?!)

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500
    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • megela
    megela Posts: 755 Forumite
    First Anniversary
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    misscousinitt wrote: »

    Am I strange? I don't really like shopping, I find it tiresome - DH doesn't mind it at all.

    MCI

    I hate shopping and do as much as I can online.

    Enjoy your dinner out.
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
  • Tilly_MFW_in_6_YRS
    Tilly_MFW_in_6_YRS Posts: 7,833 Forumite
    Mortgage-free Glee!
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    I really dislike shopping too and try my utmost to do as much in line as possible :)

    I also dislike the way people become complete maniacs in car parks close to Christmas :mad:

    Hope you had a good meal out to make up for going shopping :T

    Tilly x x
    2004 £387k 29 years - MF March 2033:eek:
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15 :j
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    First Anniversary First Post Mortgage-free Glee!
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    Hey megela, Tilly - glad I'm not the only one.

    Very un-fruitful shopping trip - got some ideas but absolutely nothing bought.

    Now looking online for presents.

    Nice meal and then home for a relatively early night (only woke up twice!).

    Tea tonight is Lemon Pepper Chicken - something different after all the carbs and salt in last nights meal.

    Happy Wednesday everyone.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500
    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    First Anniversary First Post Mortgage-free Glee!
    Options
    I break up tomorrow for a week:j

    Fed the Christmas Cake this morning.

    Going to !kea later with a friend.

    No idea what's for tea - DH might be going out so he will have the fend for himself.

    Grocery total so far is £140.39. Herr A shop today.

    It's nice that its quite quiet at the moment, but not much happening on the MSE front.

    Wishing everyone a lovely day and evening.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500
    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    First Anniversary First Post Mortgage-free Glee!
    Options
    Happy Friday Everyone!

    Very quick update.

    £13.05 spent in Herr A

    Going to a friends tonight for drinks and nibbles. DH will fend for himself!

    Busy trying to get everything done before I break up today.

    Update list tomorrow.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500
    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • edinburgher
    edinburgher Posts: 13,463 Forumite
    Name Dropper First Anniversary First Post
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    Am I strange? I don't really like shopping, I find it tiresome - DH doesn't mind it at all.

    Loathe it. Without meaning to exaggerate, half the arguments Mrs E and I have are over our love/hate of shopping excursions! :eek:

    A case in point would be today. Mrs E ordered a birthday present for a friend from Debenh@ms. 2 minutes for her to order, followed by a 20 minute wait in a queue to collect it for me :rotfl:
  • Alchemilla
    Alchemilla Posts: 6,047 Forumite
    First Anniversary Photogenic Name Dropper First Post
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    I cant bear shopping and almost never do it except online.
  • pennyforthepot
    pennyforthepot Posts: 652 Forumite
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    Just wanted to pop by and say hi (having just spent the last few weeks reading your diary from start to finish- very inspirational:))

    Personally I hate christmas shopping but I luuurrrrve it when I bag a bargain :j

    PFTP x
    Goal:to save £16,000 by 30/09/2019 claw back rental costs
    May18 -£2,954.33/£16,000
  • megela
    megela Posts: 755 Forumite
    First Anniversary
    Options
    Hope you have a relaxing week off
    Re-mortgaged 20/04/12 MTiT-T3 No.7
    Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
    Original Mortgage Free Date April 2032
    Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
    Total overpayments from 20/04/12: £8152.95
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