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  • FIRST POST
    • icklehelen
    • By icklehelen 19th Mar 13, 11:08 PM
    • 259Posts
    • 1,119Thanks
    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 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
Page 9
    • icklehelen
    • By icklehelen 21st Feb 16, 2:37 PM
    • 259 Posts
    • 1,119 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 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 27th Feb 16, 5:52 PM
    • 259 Posts
    • 1,119 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 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 28th Feb 16, 2:03 PM
    • 259 Posts
    • 1,119 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 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 20th Mar 16, 4:36 PM
    • 259 Posts
    • 1,119 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 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 9th Apr 16, 4:07 PM
    • 259 Posts
    • 1,119 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 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 30th Apr 16, 2:02 PM
    • 259 Posts
    • 1,119 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 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 7th Oct 16, 11:30 AM
    • 259 Posts
    • 1,119 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 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 15th Oct 16, 3:45 PM
    • 259 Posts
    • 1,119 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 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 21st Dec 16, 3:57 PM
    • 259 Posts
    • 1,119 Thanks
    icklehelen
    Popping in to get a bit of motivation as I am supposed to be sorting my budgets for 2017.......struggling as they yet again are going to be so tight!

    I have signed up to the 2017 challenge as that used to keep my very focused and I feel the last few years I have just stuck to the OPs I could do. Hopefully with a bit of a push we can get back into selling our unwanted stuff and making some extra OPs.

    Right time to get on with them.........wish me luck!
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • Kittenkirst
    • By Kittenkirst 21st Dec 16, 10:15 PM
    • 1,442 Posts
    • 7,142 Thanks
    Kittenkirst
    Good luck!! Do share your 2017 budgets & resolutions
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • icklehelen
    • By icklehelen 23rd Dec 16, 11:46 AM
    • 259 Posts
    • 1,119 Thanks
    icklehelen
    Thanks Kittenkirst!

    So after a lot of playing around with spreadsheets I have decided to set our OP challenge at £2500 for 2017.

    I've kept our food budget to £150 per month but I have upped the car account to £175 per month as OH's car is not getting any younger!
    I've made a few changes to my spreadsheet to help me keep a better eye on other spends so instead of a one column I have 3 each with a budget of £50 per month - one is a household budget (this is to pay for household supplies and alcohol), one for our 'annual' bills (pays for house insurance and other annual or irregular debits) and the third is for 'occasions' (to cover birthdays, Christmas and any other celebrations).

    I've also looked at our freezer and pantry and with everything in there I am planning on having a very frugal beginning to the year. Shopping should only need to be fresh items so an extra little challenge for me and my slow cooker

    Once Christmas is over I am planning on doing a 'year end' to see if I managed to keep well within my targets for 2016. I know I fell of the wagon for keeping this diary updated but I believe I've kept up my scrimping
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 23rd Dec 16, 6:10 PM
    • 259 Posts
    • 1,119 Thanks
    icklehelen
    I do love this time of year.....



    Not only are there all the festivities to look forward to and lots of quality time with family but I also get the chance to sort out the finances and look at new ways to maximise our pennies!

    I have the max £5000 in our Club Lloyds and max £2500 in a Nationwide Flex (these are both earmarked as stooze for paying off the credit cards when the 0% is up)
    I also have quite a lot in our 123 account but now this has dropped to 1.5% so just been looking at regular savers and dripfeeding from this account.

    So I have a nice new shiny Nationwide Regular Saver which I've opened with £500. This will make a nice Christmas present when it matures next December

    I've also updated my signature and am very pleased as we've managed an extra 40% than our target! OK it's a small target compared to some on these boards but for our circumstances this is amazing!
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • Kittenkirst
    • By Kittenkirst 23rd Dec 16, 6:47 PM
    • 1,442 Posts
    • 7,142 Thanks
    Kittenkirst
    Well Done you on the 40% over target! I'm very much inspired by your history of overpayments; mine will be fairly small compared to others too but it all will make a difference
    Emergency savings- £3550.96 /£4000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1444.02/ £2150. 67%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £73.98
    • icklehelen
    • By icklehelen 30th Dec 16, 10:51 AM
    • 259 Posts
    • 1,119 Thanks
    icklehelen
    Popping in as I have just had a final shift of monies for the end of the year and have just paid another £100 off the mortgage.

    Haven't had to pay a fuel dd this month due to the GB - Coop switch which helped and decided to put it straight onto the mortgage rather than offset it - a little present to the house (and me cos I love watching the numbers drop!)

    Off to get the supplies to feed all the family coming on NYE and then to carry on with our new bed hunt.....savings this year in my 'extras' pot have exceeded £1000 so we are going to look after our backs and spend this on a bed and mattress

    See you in 2017
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • selloptape
    • By selloptape 30th Dec 16, 11:48 AM
    • 366 Posts
    • 1,375 Thanks
    selloptape
    Thanks for sharing your targets - I've a similar OP target for 2017

    Enjoy the new mattress, they're definitely worth it!

    #49 MFW 2017 0/£2k

    #21 MFiT T4 - reduce mortgage by £20k over 3 years
    • icklehelen
    • By icklehelen 4th Jan 17, 10:16 PM
    • 259 Posts
    • 1,119 Thanks
    icklehelen
    Happy New Year!

    Made my first OP of 2017 of a whopping £6

    Sticking with my ickle OP to round down the mortgage to a ten after the interest is added each month - it's a little extra and it looks nicer!

    Spent the last 2 days clearing lots to the tip, redecorating our bedroom and building the new ottoman bed so I'm off for a (hopefully) comfortable night.

    Total spend on bed, mattress and paint is £495 so we are well within the £1000 budget....

    ickle
    Last edited by icklehelen; 04-01-2017 at 10:20 PM.
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 7th Jan 17, 5:17 PM
    • 259 Posts
    • 1,119 Thanks
    icklehelen
    I've just been talking to DH and we have decided what we are going to do with the rest of last year's savings......
    So £50 is set aside for a new set of house phones, some has been put in our stooze account to top it up and the final £500 is going to be an OP (but staying in our account at a higher interest rate)

    That takes the OP's for 2017 to £506 which feels like a great start....we're unlikely to have any other big chunks of spare money so I am pleased to be able to do this.
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 11th Jan 17, 9:37 PM
    • 259 Posts
    • 1,119 Thanks
    icklehelen
    Bought our new house phone today....had to help DH to compromise as he wanted the most expensive one....we've gone for mid range as we wanted value for money but didn't need one with lots of features as we mainly use our mobiles!
    £34 spent (it's a three handset) as it was in the sale and we had a voucher
    £16 into my savings account (for now)

    Made chicken pie for tea with leftovers from the Sunday roast. Used up the rest of the pastry and some left over mincemeat to make one last little batch of mince pies.....
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 18th Feb 17, 4:33 PM
    • 259 Posts
    • 1,119 Thanks
    icklehelen
    How is it 18th of Feb already!!!!

    So January was a good month. Op'd the usual plus offset £600 in my high interest current account and added £500 to my regular saver. Won't manage that again this year!

    Food spends for the month were £97.61 (budget is £150) thanks to lots of food in stores and freezer.

    February isn't too bad so far and we treated ourselves to the M&S meal last weekend which only cost is £11 as I had £9 in vouchers to use up! Last of the romantics here

    Finally received one of my Nationwide refer a friend bonuses so that has gone into the offset, just waiting on another.....
    Power fix is up in March so have started the switch to another fix and £70 TCB is pending.
    Also have £23 TCB confirmed from Halifax for a new CC with no transfer fee - my stooze can carry on making me money Going to do another for DH to carry his stooze over too.

    Time to sort out my signature on here then I'll get started on DD's request of lasagne for tea......
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
    • icklehelen
    • By icklehelen 4th Mar 17, 3:15 PM
    • 259 Posts
    • 1,119 Thanks
    icklehelen
    Just updated MFW 2017 with my Feb total and March so far. Very happy with my progress so far.

    February was a dull month and I have to admit I was pretty miserable for most of it but I've started March with a new perspective and am hoping to be much more positive from now on.

    It has been helpful that March has started off well and although we have some hard work ahead of us and some big decisions to make I can safely say I feel like a huge weight has been lifted.
    We will be vacating our shop premises at the end of April but the business will still be online and through wedding fairs, markets etc

    February was another frugal month thanks to a freezer and cupboards full of food. Food spend for the month was £98.13. Won't be long before a trip to the butcher is in order to stock up again.

    Usual weekend chores are keeping me occupied today and as the sun has appeared the washing is on the line!!
    OP Target 2012 6031.25/5250 2013 2799.40/3000 2014 5055.57/5000
    2015 1226.64
    /1200 2016 - 1775.50/1200
    OP Target 2017 - 2615.32/2500
    MFiT-T4 #03 MFW2017 #6
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