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  • FIRST POST
    • MoneyMission
    • By MoneyMission 11th May 12, 1:31 PM
    • 601Posts
    • 2,980Thanks
    MoneyMission
    Make hay whilst the sun shines.
    • #1
    • 11th May 12, 1:31 PM
    Make hay whilst the sun shines. 11th May 12 at 1:31 PM
    Hello.

    I have lurked for yonks and learned so many things from this forum and have now decided to take the plunge and open my own MFW diary. I'm a bit nervous (especially about the part where I reveal our mahoosive mortgage amounts) but every little step I make will help us later in our lives.

    Short history of family MM: me with my part time job, OH who is full time employed and two Mini MMs who are at school.

    We purchased our current house 9 years ago when OH was working in a very well paid job with lovely bonuses. Never a stable environment though and he was made redundant in '07. We made a decision that he would not go back into the same industry and he got a local job that pays half what he used to earn and doesn't get any bonus. We see him a lot more than we used to though and I believe we're closer as a team than before because of it. And much much happier.

    We made a somewhat rash decision (still can't quite understand why! ) to extend the house and work was finished in 2010. we did everything we could by ourselves and an estate agent has confirmed that we added more value to the house than we actually paid in the building work. We did check this out before we started and again since!

    Anyhoo, we've now got two gigantical mortgages of £213,000 AND £80,000.

    However, this is us. Its where we live and we're not moving. We work hard and lead a fairly quiet life. I now work part time and I also control our finances fairly well but I'm sure there are many who manage better.

    As I've been a long-term MSE and have banged on enough about our mortgage, OH has finally decided to jump on board. We're making a start on the smaller of the two mortgages. Not sure what our progress will be like yet. Probably fairly erratic until I really get a handle on things. We've been op'ing a little bit each month but this needs to increase considerably if we're ever to get rid of these millstones.

    So, whilst he's all keen as mustard, I thought I'd start my diary. Lets see how it goes. All help and encouragement welcome.

    Mrs MM
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
Page 13
    • MoneyMission
    • By MoneyMission 28th Jul 17, 2:54 PM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission
    Thanks DSM. I've bought some tinned pineapple as a basis for a fruit pot and that's about as far as I've got! Still sat in the cupboard waiting for me to do something with it.

    Off camping for the weekend. We might get a little bit damp but I don't mind much - it's away with my family and not work!

    OP of £166 for July just reported. We're still saving into other pots at the moment: replacing emergency fund after washing machine needed; summer childcare; bumping up the EF in case OH doesn't pass his probation at new job - it's a 6 month probation due to the position he's in which takes us through to October. If he does pass (and I've every confidence he will), the money will be a nice lump sum towards either the mortgage, general savings or perhaps a special holiday.
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • brizzledfw
    • By brizzledfw 28th Jul 17, 4:12 PM
    • 7,156 Posts
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    brizzledfw
    Enjoy the camping!!

    Ooh do post the recipe for chocolate spread..we get through stacks and like you I hate the fact that Nutella uses palm oil. OH has spent time with orphan orangs and it seems hypocritical to now eat it when it's such a destructive product. There is some ethical palm oil about..but not much.

    Boo to mortgage. I am just sticking at my current product (.99% above BOE base) and paying it down as hard as I can. Planning on £2k in September so need to stash that away.
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • MoneyMission
    • By MoneyMission 31st Jul 17, 9:42 PM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission
    This one's for you Brizz:

    https://www.sugarhero.com/lick-the-knife-clean-chocolate-spread/

    Try dipping mini breadsticks in it - you'll be hard pressed to stop!

    We're finding the cakes and biscuits hardest to go palm oil free. And bread. It's in loads of bread. I'm not adverse to making my own bread but time is of the essence and a plastic wrapped sliced loaf is such an easy store cupboard staple. My fave bread has sustainable palm oil in it but I'm not convinced ANY palm oil is OK. There's a white loaf that's OK but I'm a wholemeal / granary girl at heart. Still searching.
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • MoneyMission
    • By MoneyMission 31st Jul 17, 9:46 PM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission
    And camping was a total shocker! Had 4 other campers run over to help us pitch in the gale force winds on Friday. Nearly took off like a great big blooming kite! And then it rained. And rained. And then rained some more.

    Thankfully Mr MM had waterproofed the old girl (tent, not me!) earlier this year. She's ten years old so we replaced some poles at the same time. Grateful for his efforts as we'd have been a soggy family otherwise.

    Day dawned bright and sunny on Sunday so she dried off before we packed her up and brought her home.

    Still love camping despite the awful weather. Nothing beats a bacon sarnie cooked on camping stove.
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • brizzledfw
    • By brizzledfw 15th Aug 17, 11:30 PM
    • 7,156 Posts
    • 34,744 Thanks
    brizzledfw
    How's it going MM? Camping is always fun although most times now we cheat in a camper...but Dd1 is under canvas right now with some mates as it happens.

    We have now made the chocolate spread and love it. Reckon even the lodger has been converted which is some result as he's German and partial to that kinda thing
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • MoneyMission
    • By MoneyMission 25th Aug 17, 1:52 PM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission
    Finally. The BIG WORK PROJECT has finished. Done on time, ever so slightly under budget and everyone very happy. I had lots of praise and congratulations in the office and they've given me a spa day voucher so I can relax properly.

    I'm now on two weeks annual leave. The kids go back to school on 6th and I'll have 3 blissful days at home by myself. Will go out with friends one day and use the other two days just to get some little jobs done that I never get round to otherwise. Or perhaps I'll just get my hair done and go shopping!

    Brizz - glad you enjoy the chocolate spread. We've now made it with milk chocolate which is much more to Girl MM's liking.

    Off to potter in the garden and try to get on top of the weeds!
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • MoneyMission
    • By MoneyMission 31st Aug 17, 8:35 PM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission
    Slightly ashamed of myself. Haven't ever managed to summon up the powers to drive to my nearest @ldi or £idl. My town doesn't have one (rumours have it that one is coming though!) and I've always maintained that it's too much faff to drive to the other side of my town, up the A road and past the next town and out the other side to visit one.

    Managed it today and did a comparison when I got home. I put all the equivalent items into a Sainsbobs online order and it came to £84 ish. I actually only spent £55.15! Saving of £29 on my weekly shop. That could be £1,508.00 per year

    There were a couple of bits I couldn't get but on the whole was pleasantly surprised. It took 20 minutes to get there but 35 on the way home because of traffic so will only go when I'm not working. Seriously hope the rumours of a local @ldi are true!
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • brizzledfw
    • By brizzledfw 8th Sep 17, 3:46 PM
    • 7,156 Posts
    • 34,744 Thanks
    brizzledfw
    Well done on making the effort. I am guilty of the same thinking...its just not close enough but I should be more focussed, as you say the savings are potentially enormous

    Also well done on the praise at work. Glad you are valued
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • MoneyMission
    • By MoneyMission 17th Sep 17, 7:39 AM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission
    Had a major attack of CBA with driving to @ldi. Haven't been back since first bargainous trip. Have decided not to worry about it as my time is precious and valuable to me and my family!

    Have also decided to release the purse strings a little bit on general family expenses. We're saving for another BIG TRIP to see our friends in America in 2019 but I've been focussed on getting it saved NOW. Silly me, we've 20 months to save it and I can drip feed that account without us living on gruel.

    What I really need right now is a bit of a break from working flat out at everything - job, kids, parents, life, house, garden, horse etc etc. So, have upped the kids lunch money pots and will now only send them with snacks that they can 'grab and go' from cupboard. They can buy pasta / panini / pizza at school.

    I'm going to see if I can move the visits to the horse from a Sunday to a Saturday so that we have a whole family day together. I've upped the family days out pot by £30 a month too as we need to do a bit more bonding. If I can achieve both these things I think we'll have a bit more down time together as I feel we're 'drifting' a little.

    I think this has all come about because work is now taking more of my time. I really enjoy it and want to be committed but I can't do everything to the level I used to when I only worked 12 hours a week. Well, I could but I'm choosing more fun and happiness instead!
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • brizzledfw
    • By brizzledfw 20th Sep 17, 10:48 PM
    • 7,156 Posts
    • 34,744 Thanks
    brizzledfw
    Soundlng good choices. Well done x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • MoneyMission
    • By MoneyMission 30th Sep 17, 9:50 AM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission
    Just reported £306 OP for September.
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • brizzledfw
    • By brizzledfw 1st Oct 17, 9:45 AM
    • 7,156 Posts
    • 34,744 Thanks
    brizzledfw
    Well done
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • MoneyMission
    • By MoneyMission 8th Oct 17, 9:00 PM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission
    Very exciting! Just booked cheapy flights for our holiday next summer! Accommodation already booked a couple of months ago. Have been there before and it's just what we fancy again. Car hire should come in around £160 ish. That'll leave us with enough spending money and actually some spare leftover based on what we'd budgeted.

    Got DD's week long school trip to pay for so will probably put the spare budget to that.

    In other news, I've re-jigged some budgets for next year and think will set the OP target at £4,000. This years and last years targets were reached without too much stretch so I'm sure a little bit of focus will make the £4,000 target manageable. Am not 100% committing to that yet but am seriously considering it.

    Way overspent on food budget this week. £34 over. I did get some gifts for friends of children birthdays that are coming up but still Will budget meal plan for next two weeks to make up for it.
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • MoneyMission
    • By MoneyMission 14th Oct 17, 9:03 AM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission
    oooof. It's been a spendy month. DD had multitude of friends birthdays to buy for, car tax, car service and MoT, lunch out for friends birthday, clothes for rapidly growing DD, flights for summer holiday, etc etc. All from pots but still feels like a large amount has gone out. The food budget is back on track after my overspend.

    Have mulled over OP's for 2018 in my head and am going to set it at £4,000. Standard OP's will take me to £3,056 so have about £950 to squeeze out of other sources or ~ £100 per month. Should be achievable.

    Right, hmade bacon and egg muffins are beckoning! And more tea.
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • MoneyMission
    • By MoneyMission 24th Oct 17, 8:08 AM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission
    All quiet at MM Towers. Kids asleep still. Has been a few days of sleepovers here for Girl MM's friends as she missed some of their birthdays earlier this term due to having tonsillitis. Last friend heading home this morning and it's then just us 4 for the rest of the week.

    We're away at a competition this weekend for Boy MM. Have already paid for cheapy hotel and now need to get as many snacks / meals that we can take with us as possible so we don't spend too much. Will go out for a dinner somewhere Saturday night but am going to try and take all other meals from home. Mr MM will no doubt want many cups of coffee so I'm going to take flasks and insulated cups to try and curb his addiction to coffee shops.

    Need to look up things to do in the area as Boy MM is competing at 9am Saturday and then not until 6pm that evening! Sunday's schedule is a bit busier for him so we will hang around and watch his rounds in between heading to local parks for walks etc.
    Have Tilly Tidied £44 to the mortgage pot so far this month. Final OP to make tomorrow but am hoping to end the month on £339 all in.
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • MoneyMission
    • By MoneyMission 26th Oct 17, 9:29 AM
    • 601 Posts
    • 2,980 Thanks
    MoneyMission
    October OP of £350 made. I found an extra £11 to round it up from the £339 I was hoping for.

    And, I think I'm setting next years target even higher - possibly £5,100! Crumbs - I've almost got the hang of this MFW lark now! Still a monster mortgage but for at least the next 6 years to benefit from our location (good schools and 6th form college, close to work etc) we'll be staying. Our plan is to OP as much as possible to give us the freedom when we're mid fifties-ish to move to part time work. We'll downsize, either in this area or somewhere else, which means we'll be mortgage free AND have a nice pot of money to make this reality.

    Bring it on!
    MFW 2017 challenge (No.39) £4,212.00 / £3,450.00 (122.09%)
    MFW 2016 challenge (No. 39) £3,791.00 / £3,300.00 (114.88%)
    • brizzledfw
    • By brizzledfw 27th Oct 17, 9:21 AM
    • 7,156 Posts
    • 34,744 Thanks
    brizzledfw
    Sounding good...we like a goal round here

    I also agree re being properly part time in mid fifties...that’s my goal too. Just need to work on OH a bit...think he believes he will be wanting to carry on work until he conks out....but I would prefer to plan for the former!

    Have a good Friday and weekend
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
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