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  • FIRST POST
    • apple muncher
    • By apple muncher 19th Nov 13, 5:07 PM
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    • 46,889Thanks
    apple muncher
    Apple muncher's number crunching
    • #1
    • 19th Nov 13, 5:07 PM
    Apple muncher's number crunching 19th Nov 13 at 5:07 PM
    Time for me to start a diary .

    I work 2 days a week, dd is at school and dh was made redundant in the summer. We are living carefully, although the redundancy money is being nibbled away at of course. We are fortunate to have no debts other than the mortgage, so I would like to get rid of it! We'd also like to have a savings buffer - about 6 months' worth seems to be the rule of thumb.

    So, to the numbers:
    Mortgage £77, 051.99
    Offset savings £13,768.73 (£10,000 belongs to my mum and will be used to extend her lease in about 12 months' time)
    Interest therefore charged on £63,283.26
    Interest pcm about £78 (shame on me, not knowing the %!)

    At the moment we are only paying £100 to the mortgage, and any leftovers at then end of the month are going into the savings.

    I joined the 52 week money saving thread where you put away £1 on week 1, £2 in week 2, etc. But I started the other end with £52 first and have been paying it off the capital, so that's having tiny nibbles taken out of it.

    Where would I like to be in 12 months' time? Oooh, tricky! Realistically, I reckon we could maybe, hopefully, possible save £4000. I'd like to get our part of the savings up to £6000, so save £2,232. And I'd also like to knock some off the capital, so £1,768. Hmm, not v much then! Hey ho, every little helps...!

    There is a vague possibility that I may have 4 days work for 2 terms. This won't double my income, as I've used up all my tax benefits already, but it's not to be sneezed at! And if dh is able to find a job, than all the better! And I'll definitely have to revise my goal! But I'll not be complaining at that!

    However, if dh cannot find employment and I don't get extra work, then we will have to seriously batten down the hatches, as the mortgage has 9 years and 9 months to run.

    I've joined the NOvember challenge with Ninjasavingkat, which is super helpful, useful, motivating and challenging. Love it!
    Last edited by apple muncher; 19-11-2013 at 5:10 PM. Reason: Can't add up!
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
Page 3
    • apple muncher
    • By apple muncher 17th Dec 13, 6:48 PM
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    • 46,889 Thanks
    apple muncher
    Today's to do list was much smaller:
    -laundry DONE
    - 30 mins on emails sending and deleting DONE
    - make white choc fudge DONE
    - knit Angelina DONE- discovered had her body and legs stuffed, and head, ears plus ear edging, 2 arms already done, so stuffed head and added ears and attached to body, and started leotard RESULT!
    - send another payment to mortgage DONE

    Twas a spendy day as was befuddled enough to pay for dd's milk online instead of waiting for a real spend day. The dh suggested we do the shopping - Ald1 - so off we plodded. It wiped me out, but got it done with his help and saves me doing it on my own anothrr day. Used a £5 off voucher and got dh some alcohol and me some fizzy water. Somehow the amount spend on each of us is rather unbalanced! Imagine £15 of fizzy water!!!!

    Been thinking about 2014. Bout right for this time of year, no? We were to make 5 goals/aims for the DDD which I did, but I want to add more things to aspire towards, and maybe focus on different ones each month. Also thought that if I put them here, then they are accessible and a good reminder 8 or 9 months down the line.

    - pay £11,600 to mortgage
    - pay £5,200 to savings (offset)
    - have a summer holiday
    - weight down to 125lb
    - sew 14 items
    - make a will
    - make money from my knitting
    - buy only necessary clothes
    - ringfence time with dd
    - every time I use a money-off voucher, pay that amount off the mortgage
    - start and maintain Tilly Tidies
    - at least attempt to meal plan!
    more to add:
    - aim for 12-15 sugar-freedays per month
    -aim for 20 grain-free days per month
    - exercise ZCUT or old B0dyrock x16 per month
    - declutter 365 in 365

    It's a little frustrating that I can't do much saving until the start of Feb, but getting used to being frugal, as a long-term lifestyle, is always useful!

    Time to go and read to dd and try not to give her my germs in time for the hols.
    Last edited by apple muncher; 21-12-2013 at 8:14 PM.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Pearla*Merle
    • By Pearla*Merle 17th Dec 13, 7:09 PM
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    Pearla*Merle
    It'll make such a difference introducing new frugal ways into your life, soon you won't even notice you're doing them but will be reaping the rewards, win win!

    PS white chocolate fudge! Yum!
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • apple muncher
    • By apple muncher 18th Dec 13, 1:59 PM
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    • 46,889 Thanks
    apple muncher
    Another poorly day, started last Thurs so am getting rather fed up with it all! Am not ill enough to sit/lie/veg in front of telly. Yet not well enpugh to want to do things really. Am jusy at the 'I'm bored' stage! At least the snot production has almost stopped!

    Of course life goes on, and things do get done. Ish! Dh took dd to sch so I only got dressed at 10 to go to a governors thingy at her sch. Have been back in bed since getting home. My legs are exhausted! The sch is only a 5 min walk, so it's not unfitness! Anyhow, enough of the 'poor me' syndrome.

    I have been making some colouring in charts for 2014, in line with the goals above. I have one for savings, mortgage payments, sugar-free days, grain-free days, weight loss and items sewn. All done in pencil and without a ruler, but strangely satisfying nonetheless.

    Mother informs me that she wishes to go home tomorrow, on the train. Still not happy to let her travel, but also unable to argue much!

    7 more sleeps til Christmas
    10 more sleep til payday
    12 more sleeps til dh starts his new job

    And then we hit 2014 and the plans and plotting can start to be realised. And hopefully ninjasavingkat will have another fantastic monthly challenge for us. She's was rather kind to us for December, so I'm thinking January may be much stricter. Will certainly be employing pearlaMerle's approach of 'every penny's a prisoner'. Love that concept! Also want to start my Tilly Tidies, and may not even wait for Jan for that one...

    It suits me to have a number of goals and challenges, and to have to plan ahead. I'll be working 4 days, not 2, so household jobs will be done as and when, and time with dd will be a priority. I'll try my hardest NOT to bring schoolwork home, but realistically, I expect I'll not manage that as will be teaching a new subject that I last studied in ...1986!

    Today I am grateful for my dd's school being such a lovely place for the children, 2 specific work colleagues who are simply lovely, the fact that I have been offered extra work without having to apply and jump through hoops to get it, my dh's hot toddies and thr satisfaction I get from creating and making things,

    PS white fudge is gooooorjus! A total sugar kick that blows my sugar-free days out of the water!
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
  • suse*
    I have been getting your subscription updates even though I haven't been loggin in as I too have had man flu for what feels like forever now. I think I'm also finally come out of it.

    I had seen an advert to make a callendar by vista print with your own pictures, so was thinking of using some inspirational quotes from facebook and having it in the kitchen. Reading your post though has made me think I might make my own adapted callandar / tick chart and sort some goals out as well too.

    Keep up the amazing work you're doing great.
    Original Mortgage 07/07 £160000 LTV 100% Remortgaged 10/13 £118000 LTV 84%
    Outstanding 02/12/14 £107652.40
    LTV 76%
    • apple muncher
    • By apple muncher 18th Dec 13, 8:00 PM
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    • 46,889 Thanks
    apple muncher
    Hello suse, thanks for popping in and for the encouragement. I know I do an awful lot of reading other people's threads without posting on them. This must be one of the few places that lurking and loitering is acceptable!

    Glad you are over your man flu. I.m feeling a little better now, but the morning may well be a different story. But I do feel I'm on the mend, off the meds, using only a few tissues per hour, and out of bed!

    I'm hoping for a wall calendar from our veggie box, as they've given us one for the last 2 years. Failing that, I'll make my own - probably minus the pictures tho'. We use an online one, but I do like to write it down and be able to see it on the wall.

    Now to get munchkin to sleep so I can watch World's Strongest Man on 5+1!

    PS suse* have noticed you've also signed up for 2014mfw. Me too! Aiming for 11,600. Gulp!
    Last edited by apple muncher; 18-12-2013 at 8:29 PM.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
  • Habibiboo

    Sorry you're still feeling grotty AM, but my goodness aren't you doing well with all that plotting and planning!

    I like to have several plans on the go too, that way there's always something that's going to plan (even if the rest is looking a bit t*ts up)!

    Hope you have a better day tomorrow.
    Stash busting 2014 45 / 60 (balls of yarn)!
    2014 Sealed Pot #2136 ?/£500
    House: Decluttering 322 / 365
    Original mortgage £149,000£117,750;£112,500 MFW 2014#69 GOAL 1: £109 K April GOAL 2: £103 K by Sept GOAL 3: < £100k by end of 2014 MF goal: Nov 2020 - 4 years early
    • apple muncher
    • By apple muncher 18th Dec 13, 9:58 PM
    • 6,425 Posts
    • 46,889 Thanks
    apple muncher

    Sorry you're still feeling grotty AM, but my goodness aren't you doing well with all that plotting and planning!

    I like to have several plans on the go too, that way there's always something that's going to plan (even if the rest is looking a bit t*ts up)!

    Hope you have a better day tomorrow.
    Originally posted by Habibiboo
    Absolutely! Love plotting + planning! Went and counted my coin jars (takes me back to being a kid again!) and discovered there's £22 to be paid in. Yippee!
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 19th Dec 13, 11:57 AM
    • 6,425 Posts
    • 46,889 Thanks
    apple muncher
    I am definitely on the mend! So is mother, so we took her to the train station and she's well on her way now, with strict instructions to get a taxi from the station the other end.

    Really got a kick from counting my coins last night! Have decided to keep on saving the 1p, 2p 5p and £2 coins with a view to banking them; but will also put other change in a money box. So I have effectively started saving for Christmas 2014!

    dh has just had a call from the delightful jsa people, saying that this very day he will receive what he is owed. Finally! He's also had the joy of informing them that he has found a job and will soon no longer be spending his time chasing them up and making calls to them. He won't miss them, but if he's in the same situation again, he has an arsenal of tips for dealing with them. And if it happens again, I'll make flippin sure he claims right from when he's made redundant, not from when he gets around to it!

    Off to knit the back of Angelina's leotard before lunch.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Pearla*Merle
    • By Pearla*Merle 19th Dec 13, 5:21 PM
    • 1,601 Posts
    • 9,364 Thanks
    Pearla*Merle
    Glad to hear you're feeling better today, apple muncher! & that the JSA people have finally got their act together!

    The colouring charts sound great, I keep meaning to do something similar... must don my artist's hat and give it a whirl soon.

    Will certainly be employing pearlaMerle's approach of 'every penny's a prisoner'. Love that concept!
    Originally posted by apple muncher
    I wondered what on earth you were talking about for a minute, I totally forgot I had that in my signature! Time I reacquainted myself with the concept (my bank balance agrees!)
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • apple muncher
    • By apple muncher 20th Dec 13, 5:35 PM
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    • 46,889 Thanks
    apple muncher
    Did a bit of number crunching whilst on the tram today and realised how much I've done!

    Got a cheque req from work, and the money got put into the savings account, instead of back into my current account. So although I don't have a lot left in my ca until payday (7 sleeps), I could just say that I've saved it early instead of waiting til the end of the month.

    Added to that is the monies paid over from the 52 week saving (£52 down to £1 per week), and some Tilly Tidies (ish). All in all, it adds up to: £560! Wow! Never thought I'd have been able to save that much, especially given our financial tightness at the moment. Might do a bit of colouring in now! Get ahead of the game, no?

    I have money in my purse for a top up shop before Christmas. We're not doing anything big and I expect I'll do more baking - part of the DDD money saving.

    Dd will be glad not to have to get up for anything for a few days, other than playing!

    Have realised that I now have 15 goals for 2014... Maybe a tad too many? Oh well! Try to maintain them each month, as each time we hit the 1st of the month, that's a fresh start.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 21st Dec 13, 8:32 PM
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    • 46,889 Thanks
    apple muncher
    Made another NSD - yay! Went with dd to a little party. She looked as if she should just stay home and have a jama day, but she wanted to go, even if we left early. Well, the children there were her age or a bit littler, and were all lovely, playing together so well. She loved it!

    Then went and got the gf bread, which turned out to be rolls! Didn't take my purse into the chemist so could legitimately tell dd I had no pennies with me.

    On getting home we duly watched Barbie and she danced around the room trying to copy the ballet moves.

    I now have 16 goals for 2014, shamelessly lifting the idea of declutter 365 in 365!

    Tomorrow may well be another NSD. We have church, with the Kids Klub kids doing their Nativity in the morning. Dh is then doing PA for the carol service in the evening, so will no doubt be there from mId-afternoon!

    I'll be going over my food and other budgets this month. Grr! I've had several unplanned spends and it does all add up. £35 on laundry liquid bulk buy and £12 on school milk, £25 on a haircut and £15 on my phone all make £87 extras. But I'll have kept on with saving weekly so we have enough!

    Not much more to report. I've done loads of reading on the dfw and mfw boards, with a little dip into crafty ones. Stops me spending!
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 22nd Dec 13, 3:33 PM
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    apple muncher
    Today will be NSD 13 - yippee!

    Plan to hit Ald1 at 8am for bits tomorrow... Gulp...

    Wish to make: peppermint creams, as dd loved them; more white choc fudge - dd loves this too, but I'm also stuffing my face with it(!); shortbread holly leaves. Oh look - they're all sweet treats! No wonder I find it hard to go without sugar!

    So, I'll do the creams and the biscuits, but NOT the fudge. I only want to do it because the recipe uses just 50g of the stuff and the tin is 350g! Maybe I could get away with making some if I promise to freeze it, then I can use it for gifts in the year??? Have talked myself into it!

    Aha! Goal #17 (ish) is to make all birthday presents or somehow do it the money-neutral way.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 22nd Dec 13, 4:10 PM
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    • 46,889 Thanks
    apple muncher
    Ha ha! Already made MINT white choc fudge. Tastes yummy! But I vow to freeze it for others.

    I think I started the above post with a view to making some face scrub. Got rather sidetracked... Oops!
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
  • Habibiboo
    Ha ha! Already made MINT white choc fudge. Tastes yummy! But I vow to freeze it for others.

    I think I started the above post with a view to making some face scrub. Got rather sidetracked... Oops!
    Originally posted by apple muncher


    Yup, there's a real difference between stuffing one's face (previous post) and scrubbing one's face (quoted post) but such is the dilemma of using yummies for face scrub ingredients! All homemade so very MSE anyhoo!

    Enjoy
    Stash busting 2014 45 / 60 (balls of yarn)!
    2014 Sealed Pot #2136 ?/£500
    House: Decluttering 322 / 365
    Original mortgage £149,000£117,750;£112,500 MFW 2014#69 GOAL 1: £109 K April GOAL 2: £103 K by Sept GOAL 3: < £100k by end of 2014 MF goal: Nov 2020 - 4 years early
    • Pearla*Merle
    • By Pearla*Merle 22nd Dec 13, 7:58 PM
    • 1,601 Posts
    • 9,364 Thanks
    Pearla*Merle
    Oh drats, I completely forgot I wanted to make peppermint creams! Thanks for the reminder, I might sneak into the cake shop and get some peppermint flavouring tomorrow

    Making more presents is on my goal list too, you'll have to share you're ideas - I'll definitely be in need of inspiration
    a penny picker upper. every penny's a prisoner!
    £26.65 til OnePoll payout! Round six! | Save £7200/£15,000
    Normality is a paved road; it's comfortable to walk, but no flowers grow on it.
    Whatever you're meant to do, do it now. The conditions are always impossible.
    The only thing you absolutely have to know, is the location of the library.
    • apple muncher
    • By apple muncher 22nd Dec 13, 8:47 PM
    • 6,425 Posts
    • 46,889 Thanks
    apple muncher
    I think I've got through 4 packets of icing sugar - ie 2 kilos - recently! It's on my shopping list for tomorrow...

    PM, I've not too many ideas yet... I've finally done a list of birthdays and the grownup ones are fairly well spread throughout the year. It's when dd get invited to parties that I want to be able to give a home-made gift as well as a little bought item. I like to knit, so have done little toys or finger puppets (goldilocks; Peppa).

    My making list thus far is: mint fudge (!), fudge, peppermint creams, shortbread, finger puppets, jam, body scrub.

    At some point I'll trawl through the crafting threads for inspiration.

    Habibiboo, so long as I don't start using fudge on my face, I'll know I've not crossed the line!!
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 23rd Dec 13, 4:37 PM
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    • 46,889 Thanks
    apple muncher
    So the mint white choc fudge got mostly frozen - phew!

    Had a little trundle up to Ald1 for 8am today. Walked there and had no idea of the weather that would later arrive, so am v glad I went when I did! I was only doing a normal top up shop and was only in there for about 10 mins. Got home before dh woke up! And dd had gone back to sleep after waking herself and me at 6.30, coughing!

    We drove up to the local shops at 11ish, to get dd and dh their 'Christmas magazine'; quick coffee shop visit and home! Very glad we didn't walk! Forgot to take my coins to pay in - oopsie!

    2 more sleeps til Christmas
    5 more sleeps til payday - that's a sunday so wonder if it'll reach account on fri or mon...
    7 more sleeps til dh starts new job
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 23rd Dec 13, 5:54 PM
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    apple muncher
    Hmmm. Will make NSD target and may exceed it; went over on food but know why (however, don't reckon what we have will last til 1st Jan, so this'll go up more); travel was under but only because dh filled the car up (will be more next month as he'll be at work again, using the train 4/5 days); 'other' spends tight! Own lunch always happens; making money= total lack of result!

    Jan is a fresh start; I have 17 targets (so far!!) before joining NSK's Jan challenge. Will keep trying hard!
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 24th Dec 13, 2:53 PM
    • 6,425 Posts
    • 46,889 Thanks
    apple muncher
    I've finally delivered cards to the nighbours and some friends - all good for blowing the cobwebs away. And as soon as we sit down with some not chocolate, out pops the sun!

    I managed to do a workout this morning - first one for 12 days! Did it while dh was out at b&q. Not for the fun element, may I add, but because 2 of our fence panels blew down in the night. So a spend of about £53 for 2 4' panels, an upright and the metal spike. He's bodged it for now, as for some weird reason, we don't own a sledgehammer! We have a sledge. And a hammer. But not the right combo. D'oh! So long as it keeps next door's dog in their garden, it'll have been a success.

    He also came home with a potted 3' Christmas tree! For 1p!! We talked yesterday about going to the shop at 3pm or later, to see what bargains there are - for nosiness really! We'll see if we actually bother later.

    Dd's enjoying Narnia on tv and I'm about to do more knitting. After plodding on with Angelina, dd is now adamant that she told me to do Paddington! So, P has a body, 2 legs a hat and a coat. I can't figure out how to sew up the head yet - rather crucial! And he's still armless. But does have eyes and nose ready to attach.

    Best get to it!
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 24th Dec 13, 6:12 PM
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    • 46,889 Thanks
    apple muncher
    STOP HERE SANTA
    sign is out; so is reindeer food to guide them here; carrot, mince pie and biscuit to go out soon.

    dd determined to go to bed early and straight to sleep. Wise old mummy thinks this is asking for a sleepless night! So will string bedtime out as much as poss.

    wishing all who read this a happy, peaceful Christmas
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
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  • RT @LordsEconCom: On Tuesday Martin Lewis, Hannah Morrish & Shakira Martin gave evidence to the Cttee. Read the full transcript here: https?

  • Ta ta for now. Half term's starting, so I'm exchanging my MoneySavingExpert hat for one that says Daddy in big letters. See you in a week.

  • RT @thismorning: Can @MartinSLewis' deals save YOU cash? ???? https://t.co/igbHCwzeiN

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