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  • FIRST POST
    • icklehelen
    • By icklehelen 19th Mar 13, 11:08 PM
    • 234Posts
    • 1,054Thanks
    icklehelen
    Wishing on an ickle star
    • #1
    • 19th Mar 13, 11:08 PM
    Wishing on an ickle star 19th Mar 13 at 11:08 PM
    After lurking on other peoples diaries for a year I've decided to see if having my own diary will make a difference!

    Our circumstances have changed over the last few months which is making overpaying a whole lot more tricky but that's part of the fun....isn't it? I'll explain more about that later I'm sure - don't want to bore any readers in my first post!!!

    My dream would be to pay off our mortgage by my DH's next big birthday (Sept 2018) but that would mean working some miracles so I'm looking towards mine instead (Aug 2020)!

    Hopefully with help from all of the other lovely MFW's on here and some of the amazing diaries I am subscribed to that target will be hit!

    Wish me luck!!

    ickle
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000 2015 1226.64/1200
    OP Target 2016 - 1407.38/1200
    MFiT-T4 #03
Page 9
    • icklehelen
    • By icklehelen 21st Feb 16, 2:37 PM
    • 234 Posts
    • 1,054 Thanks
    icklehelen
    Food spend of less than £13 for the week thanks to lots of frozen leftovers and being well stocked in the cupboards....hoping I can do the same next week but not holding my breath!
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000 2015 1226.64/1200
    OP Target 2016 - 1407.38/1200
    MFiT-T4 #03
    • icklehelen
    • By icklehelen 27th Feb 16, 5:52 PM
    • 234 Posts
    • 1,054 Thanks
    icklehelen
    Just updated my signature as another £62.25 OPd after payday.....
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000 2015 1226.64/1200
    OP Target 2016 - 1407.38/1200
    MFiT-T4 #03
    • icklehelen
    • By icklehelen 28th Feb 16, 2:03 PM
    • 234 Posts
    • 1,054 Thanks
    icklehelen
    It's nearly the end of February so checked the spreadsheets and all is good for another month:

    Feb CC £71.65/£100 Food £141.73/£150
    Overall CC £113.51/£200 Food £281.71/£300

    Hope everyone enjoys their extra day!
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000 2015 1226.64/1200
    OP Target 2016 - 1407.38/1200
    MFiT-T4 #03
    • icklehelen
    • By icklehelen 20th Mar 16, 4:36 PM
    • 234 Posts
    • 1,054 Thanks
    icklehelen
    Popped in to update signature with OP and I've noticed we've knocked another month off the other end!

    All good and a nice PM from MSE Badger with my 4 year badge

    DD and I are having a little holiday this week leaving DH at home as he's working. Small budget set aside so we can enjoy ourselves but not feel guilty afterwards! Also bought some nice food for DH so he doesn't feel totally left out!
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000 2015 1226.64/1200
    OP Target 2016 - 1407.38/1200
    MFiT-T4 #03
    • icklehelen
    • By icklehelen 9th Apr 16, 4:07 PM
    • 234 Posts
    • 1,054 Thanks
    icklehelen
    Belated March update:
    Mar CC £93.70/£100 Food £126.00/£150
    Overall CC £207.21/£300 Food £407.71/£450

    Had a lovely break with DD and were well within our spends budget. The weather was good so we went on walks and to parks with picnics.

    Been busy with end of year at the shop. Stock take was done on 1st and DH is keeping himself occupied in between customers updating the spreadsheets. Once that's done all I'll bundle it all up for our accountant to wave her magic wand over it.......

    Food spends may increase slightly as DH is now on a diet healthy eating plan. Also trying to be more organised as I'd slipped into bad habits for quick evening meals!

    Power supply switched and now paying much less so I'm being cautious and putting aside some of the savings just in case I end up owing money in the future.

    So now its time to sort the phone/broadband/mobiles out....preferably with as little hassle as possible.

    Wondering where I can find some extra pennies to go towards the mortgage before the first submission to MFiT-T4 ...............
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000 2015 1226.64/1200
    OP Target 2016 - 1407.38/1200
    MFiT-T4 #03
    • icklehelen
    • By icklehelen 30th Apr 16, 2:02 PM
    • 234 Posts
    • 1,054 Thanks
    icklehelen
    Popped in last weekend to update MFiT-T4 and am happy to report I'm in the green. Did manage to pop in to update my MFiT-T4 and am happy to report we're in the green.

    Can't quite believe we're at the end of April already. Thought it would be an expensive month as we're getting into our family birthday season but it wasn't so bad. Next few birthdays in May will receive vouchers which I can get through S&S or CP

    Update for April:
    Mar CC £55.95/£100 Food £120.29/£150
    Overall CC £263.16/£400 Food £528/£600

    Have decided for my sanity to leave the phone/bb until things are less hectic at work. Deadlines are looming every week so once that's all over I can concentrate on getting that sorted. It's not a major expense of our so wouldn't be saving huge amounts anyway.

    Updated signature and have knocked another month off the other end of the mortgage.
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000 2015 1226.64/1200
    OP Target 2016 - 1407.38/1200
    MFiT-T4 #03
    • icklehelen
    • By icklehelen 7th Oct 16, 11:30 AM
    • 234 Posts
    • 1,054 Thanks
    icklehelen
    Wow it's been a while since I was on here although have still kept up with my OPs and updating my MFiT...

    So jumping to an overall update to the end of September:
    Overall CC £608.76/£900 Food £1231.44/£1350

    Mortgage stands at £52960 (once regular OP is added) with £760 built up in savings so far this year.

    Still trying to sort my spreadsheets after the interest rate change as the Mtg company spread the amount remaining back over the full length of the term..........

    All up to date with cheapest rates for everything possible, just got the car MOT and service this month and I do have a few Christmas presents left to buy but otherwise I'm quite happy with this year's achievements We even managed a family holiday for the first time in 6 years!

    My plan to get more organised is part way there but we get our Christmas stock deliveries next week and I don't feel ready!
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000 2015 1226.64/1200
    OP Target 2016 - 1407.38/1200
    MFiT-T4 #03
    • icklehelen
    • By icklehelen 15th Oct 16, 3:45 PM
    • 234 Posts
    • 1,054 Thanks
    icklehelen
    Went to the bank yesterday to upgrade one of our accounts - after 2 hours they still hadn't been able to sort it so I have another appointment booked next Saturday! All we could do was joke about it as no-one seemed to know why they couldn't do it....so they've opened us a new account but I need to go back to sort out the old one!

    Another couple of Christmas presents bought and the car booked in (everything crossed that it doesn't cost more than it's worth ) Also need to add Christmas cakes to my things to do.....

    Christmas stock has arrived so all hands on deck to get it all ready for the markets and the rest onto the shop shelves.
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000 2015 1226.64/1200
    OP Target 2016 - 1407.38/1200
    MFiT-T4 #03
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