Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Needhelpsaving
    • By Needhelpsaving 14th Nov 16, 5:58 PM
    • 663Posts
    • 2,763Thanks
    Needhelpsaving
    Getting back on the MFW Wagon
    • #1
    • 14th Nov 16, 5:58 PM
    Getting back on the MFW Wagon 14th Nov 16 at 5:58 PM
    Hi

    I have attempted this MFW wannabe journey before, with little success and after reading so many threads on the forum, would like to try again.

    Looking back, trying to start a MFW challenge with a newborn was possibly not the best time for me as I had made grand plans, just when our income was decreasing.

    A little bit about us, I am 29, have an OH 34 and a LO aged 3. We bought our home 8 years ago and have a mortgage of £80,000, a family loan of £7,000 and £0 in savings

    Our first goal is to save a £1500 Emergency Fund by the end of February, whilst staying on track to pay off family loan (on target to pay off in June 2017).

    I have finished all my Christmas shopping, except 1 gift, so should be on track to save a decent chunk of my salary next month (I work part-time).

    I need to stay accountable in this journey and what better way than to publish it on the internet?!
Page 11
    • Needhelpsaving
    • By Needhelpsaving 24th Nov 17, 7:28 PM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Hi earthgirl thanks for stopping by x

    I do have some maternity clothes, I think I was caught out by how quickly I have grown this time, I didn't buy any maternity tops until I was around 6.5 months with DD and wore my normal jeans all the way through. This time I have had to buy elasticated waist bands since around 14 weeks.

    I was putting the pjs on my Christmas list, so am feeling very spoiled at the moment.
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • michelle09
    • By michelle09 25th Nov 17, 10:24 AM
    • 649 Posts
    • 3,353 Thanks
    michelle09
    From what I've heard (having no kids) is that after the first time you expand quicker because the body knows what it's doing? Least you already have maternity clothes and hopefully are not feeling the cold too much right now. I live in hooded sweatshirts so suspect no-one would notice for months if I did get pregnant.

    Lovely Mum.
    • Needhelpsaving
    • By Needhelpsaving 27th Nov 17, 8:10 PM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Well today has been a car crash. Awful day at work, management meeting that was so brutal I ended up in tears. Any how, I have spoken to OH about it - who has been brilliant and will get back on track for tomorrow.

    I wouldn't have minded, had the negative feedback been warranted. Big girl pants needed me thinks.

    Second plumber came today and fixed the issue for £50 - that was much less than we anticipated given the feedback from the first plumber. Silver linings!

    NSD today too, so things are looking up x
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • Needhelpsaving
    • By Needhelpsaving 2nd Dec 17, 10:28 AM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Good Morning.

    I have gotten through the remainder of the week unscathed, but did take the opportunity to have a frank discussion with my boss about what happened on Monday. I have now moved on and am looking forward to starting afresh next week.

    On the money front, the vast majority of the bills have gone out and I have done an interim check of the accounts to make sure we are where we should be.

    We are out today for a meal for OH birthday - all budgeted. We have two xmas presents still to buy and then we are all done.

    I have claimed £6.09 from Quidco and sent it to the mortgage to keep things ticking along.

    Any underspends in the budget will be swept to the mortgage to get us closer to target.

    Have a great weekend!
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • Needhelpsaving
    • By Needhelpsaving 3rd Dec 17, 6:01 PM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Just dropping in with a quick update.

    OH birthday meal came in bang on budget (including a tip) and we all really enjoyed it.

    Today has been quiet, xmas tree has been put up and online grocery order has been done for the week ahead.

    2 money fails this weekend;
    DD dropped an iPad on the floor and smashed the screen
    OH got xmas decks down from loft and there was water in one (condensation), but the three garlands in there were fit for nothing but the bin.

    No more spends due this week until fri/sat. OT booked for next Sunday which will add a little to the pot for January.
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • Needhelpsaving
    • By Needhelpsaving 6th Dec 17, 7:58 PM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Expenses in today, have sent £76.93 to the mortgage, bringing us to £3589.11/£4000 for 2017.

    Girls xmas meal booked for Saturday, but I am not expecting to pay anything, as I paid the deposit for the table back in September
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • Needhelpsaving
    • By Needhelpsaving 9th Dec 17, 9:06 AM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Good morning!

    Just popping in quickly before I head into work. It looks like the OT will be adding up this month, as I will be working 2 hours this morning, 6 hours tomorrow and at least 2 more tomorrow night.

    I will need to make some spends today and tomorrow, but as they are all work expenses, I will get them back.

    No other spends planned this weekend.

    Right, better defrost the car! Have a great day and stay warm x
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • Needhelpsaving
    • By Needhelpsaving 10th Dec 17, 7:53 PM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    OT done for the weekend - 2.5 hours clocked yesterday and 8 hours today.

    My xmas meal yesterday was pre-paid as I had put the deposit on the table, so no spends there. Although I did pick up an xmas present for my little bro & gf (£40 spent on a gift card for an Italian restaurant they like). Just have 1 gift card to buy and xmas gifts are done. The gift cards are both budgeted for.

    This week I will need petrol and food shop.
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • Needhelpsaving
    • By Needhelpsaving 14th Dec 17, 6:18 PM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Evening all,

    Petrol and food shop done. I am ready for a break from work, 1 week to go!

    I have been trying to get back into the habit of earning money/vouchers on the side. So far I have met 2 days of swagbucks targets and got 20p amazon gift card from a survey (3 mins). Its not going to clear the mortgage overnight, but it adds up x
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • earthgirl
    • By earthgirl 15th Dec 17, 9:11 PM
    • 1,843 Posts
    • 21,314 Thanks
    earthgirl
    Great reminder about survey sites nhs, I have just been ignoring them but they do add up.
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687
    Kids savings 13,578/36k
    • Needhelpsaving
    • By Needhelpsaving 17th Dec 17, 7:53 AM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Good Morning,

    Yesterday was spent running around between children's parties - LO had a great time (I was in bed for 8.30pm!)

    I did have around £30 of spends yesterday - £20 of this was for the last xmas present. Just need to finish wrapping ready for distribution at two family parties next week.

    I am looking forward to having a break, as I have woken up today with what appears to be the start of a head cold (booo!).

    The week ahead is going to be pretty full on with workload, so I will spend today getting some house related tasks out of the way to keep on top of things.

    Hit SB target again yesterday and will check out some survey sites while the house is quiet this morning.

    I hope everyone has a great day x
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • Needhelpsaving
    • By Needhelpsaving 21st Dec 17, 6:58 PM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Good Evening!

    Its payday tomorrow (early due to xmas) but advances the last week of the month, so technically will be paid for work up to 31/12.

    We have decided to go into January with a modest budget in terms of spends. We have put some money aside for baby stuff (outside of what we already have). Between us, we have earmarked £850 for savings and £600 mortgage OP.

    The mortgage OP will take us over our £4k target for 2017, but we have decided that we wanted to get under £71,000 before 2018.

    We haven't met our savings target of £3k for 2017 - the original goal was £1500 and we have met that and some, but I just had to keep tinkering with the targets didn't I? Not too bad though as we have fallen somewhere in the middle of the two.

    Achievements for 2017;
    1. Re-carpeted all bedrooms and the stairs/landing.
    2. Got engaged.
    3. Expanding our family, with the new addition due 2018.
    4. Exceeded our £4,000 mortgage over-payment target.
    5. Saved £2107.10 of our £3000 target
    6. Cash flowed some work within the home (minor, but essential jobs).
    7. Paid off family loan

    We need to spend some time considering our goals for 2018 and how we are going to set about achieving them - exciting times ahead

    Have a wonderful Christmas!!!!
    Last edited by Needhelpsaving; 21-12-2017 at 7:02 PM.
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • earthgirl
    • By earthgirl 22nd Dec 17, 2:41 PM
    • 1,843 Posts
    • 21,314 Thanks
    earthgirl
    That!!!8217;s a great list of achievements! Congratulations!
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687
    Kids savings 13,578/36k
    • Needhelpsaving
    • By Needhelpsaving 23rd Dec 17, 10:53 AM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Work in progress

    2018 Targets (to be finalised before 01/01/18);

    - Get Mortgage down to £65,000 (as per MFiT Target)
    - Get Savings Up to £5,000
    - Cashflow trip to sisters wedding (TBC)
    - Cashflow blinds for kitchen
    - Cashflow re-painting hall, stairs/landing (just a couple of tins of paint)
    - Cashflow redecoration of living room (inc new carpet)
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • Needhelpsaving
    • By Needhelpsaving 25th Dec 17, 11:44 AM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving


    Merry Christmas everyone, I hope everyone is enjoying their day so far.

    LO is very happy with her gifts and is currently working her way through them I can never believe how much packaging they have to put on stuff.

    I have hit the sales this morning bought wrapping and cards for 2018, a new set of pans as ours are wrecked; we grabbed a great deal on a travel system for baby (£439 instead of over £850!) included isofix base, car seat and pushchair and a maternity dress to wear to a christening and wedding this year (if is looks ok that is).

    The pram will be partly covered by the first instalment of the baby fund we started, i will also send my xmas money to cover a portion. I also have some maternity clothes to be sent back to new look as I over estimated the sizing - these need to be ready for the post office on Wednesday.

    No more spends in the sales
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • squirrelgirl
    • By squirrelgirl 27th Dec 17, 12:13 PM
    • 180 Posts
    • 1,088 Thanks
    squirrelgirl
    I wouldn't feel too guilty...it's not like you don't need these things...baby has to travel and replacements have to be made eventually so buy it while it's cheaper to do so....it's not frivolous spending
    15 Month Challenge: House - £2161/£15000; Mortgage - £300/£19000 ; Jan Spends: Food £93.52/£300; Petrol £0/£300; Persie £0/ £300
    MFW No. 167 £300/ £15000
    • Needhelpsaving
    • By Needhelpsaving 27th Dec 17, 6:02 PM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Today saw a return to work and I also managed an NSD.

    MF efforts today included;
    - Exceeded Swagbucks target
    - NSD
    - Ate from pantry
    - Accepted some pre-loved baby items

    I'm trying to stay on the straight and narrow to have a frugal month, however, I will need to buy milk and bread tomorrow.
    Last edited by Needhelpsaving; 27-12-2017 at 6:05 PM.
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • Needhelpsaving
    • By Needhelpsaving 28th Dec 17, 8:03 AM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    MFW Efforts today;

    - Downloaded pampers club app to earn points when picking up nappies for new baby (with money off vouchers that come in those free baby packs) and the points given from uploading receipts give you the option of swapping them for more money off vouchers. I am not a brand loyal person, but if I can get any nappies at a reduced price its all pennies in the pot, then once we get into the stride of parenting a newborn (after 5 years!) we will look at re-useables.

    - Uploaded all lingering receipts to Receipt Hog as I lost momentum at the end of this year.

    - Ran an Asda Price Guarantee on a receipt - £2.22 (This will be used to buy a pack of 54 pampers on offer -£6 down to £4, with a £1 manufacturer voucher and the APG voucher should make them 0.78p). I will grab these when going to get milk tonight on way home from work.

    - Cut out vouchers from free baby packs (persil and comfort pure) and have stashed them in my purse in case I see any bargains I can match them with (thinking ahead to March time when all of the spring cleaning offers appear).

    - Packaged up New look return to drop that off at a Collect+ station tonight.


    Need to:
    1. Pack a lunch for work - Done
    2. Try on ASOS Maternity clothes and return anything that don't like/doesn't fit.
    3. Eat from Pantry - Done
    4. Meal Plan for week ahead
    5. Pick up free bounty pack from Asda when getting nappies and milk
    Last edited by Needhelpsaving; 28-12-2017 at 4:31 PM.
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • Needhelpsaving
    • By Needhelpsaving 28th Dec 17, 4:35 PM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Asda trip was cancelled as I forgot to print the price guarantee voucher at work - duh!

    I did pick up milk, bread and bananas on way home from local co-op. I also grabbed 3 nakd bars and a bottle of Mountain Dew drink that were on offer on cashback sites. Receipt has been uploaded to the two shopping cashback apps and Receipt Hog.

    I also dropped off the New Look return.
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
    • Needhelpsaving
    • By Needhelpsaving 31st Dec 17, 9:03 AM
    • 663 Posts
    • 2,763 Thanks
    Needhelpsaving
    Good morning.

    This week have willed away between work and rellies passing a sickness bug onto DD- unfortunately it's that time of year, but needless to say, I could have done without it.

    Yesterday was spent de-germing the house, looking after DD and making trips to my mums with washing that needed to be tumble dried.

    Thankfully, it was a 24 hour thing and she seems to be full of energy this morning.

    Jobs for today;

    1. Continue to work through the washing and ironing mountains.

    2. Package return to seraphine - maternity dresses bought for sizing. One has been kept for a christening and wedding this year, rest to be returned, just need to print the returns form.

    3. Get xmas tree taken down and OH to put in loft.

    4. Clean the mobile tip/car

    5. Clean the bathroom.


    I have been doing small bits to keep the mfw motivation;
    1. Returned 4 items to ASOS for a refund
    2. Kept up with yougov and onepoll surveys
    3. Swagbucking (although I havent managed to meet all of the daily targets).
    4. Two cash back shopping sites have confirmed payouts for items bought from co-op trip
    Last edited by Needhelpsaving; 31-12-2017 at 9:05 AM.
    Target 1 - Emergency Fund Currently £4414.50/£5000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £69870.47 (01/02)
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

116Posts Today

1,510Users online

Martin's Twitter