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  • FIRST POST
    • Needhelpsaving
    • By Needhelpsaving 14th Nov 16, 5:58 PM
    • 625Posts
    • 2,622Thanks
    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
    • 625 Posts
    • 2,622 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 £1250.32/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £3589.11/£4000
    • michelle09
    • By michelle09 25th Nov 17, 10:24 AM
    • 451 Posts
    • 1,754 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
    • 625 Posts
    • 2,622 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 £1250.32/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £3589.11/£4000
    • Needhelpsaving
    • By Needhelpsaving 2nd Dec 17, 10:28 AM
    • 625 Posts
    • 2,622 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 £1250.32/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £3589.11/£4000
    • Needhelpsaving
    • By Needhelpsaving 3rd Dec 17, 6:01 PM
    • 625 Posts
    • 2,622 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 £1250.32/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £3589.11/£4000
    • Needhelpsaving
    • By Needhelpsaving 6th Dec 17, 7:58 PM
    • 625 Posts
    • 2,622 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 £1250.32/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £3589.11/£4000
    • Needhelpsaving
    • By Needhelpsaving 9th Dec 17, 9:06 AM
    • 625 Posts
    • 2,622 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 £1250.32/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £3589.11/£4000
    • Needhelpsaving
    • By Needhelpsaving 10th Dec 17, 7:53 PM
    • 625 Posts
    • 2,622 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 £1250.32/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £3589.11/£4000
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