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  • FIRST POST
    • Needhelpsaving
    • By Needhelpsaving 14th Nov 16, 5:58 PM
    • 593Posts
    • 2,573Thanks
    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 6
    • Needhelpsaving
    • By Needhelpsaving 6th Jun 17, 8:07 AM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Good Morning!

    Currently on holiday, which despite the rain, is great. £200 withdrawn for our holiday (this included a £70 spend on food shopping as we are self catering).

    There are lots of free entry play areas and a huge swimming baths on site, so we will be making use of these. A quick trip to the beach is planned for tomorrow as there may be a break in the rain.

    We have booked LO into a paid activity this afternoon (treasure hunt) £7.50 for an hour or so. This should keep her entertained with the weather.

    In other news, onepoll is still at £39.90 with no surveys at all coming in. With a huge amount of stuff going on at work, I ended up cancelling my holiday on Friday and then working OT on Saturday, not ideal, but it's more money in the pot

    Have a great day everyone!
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 8th Jun 17, 2:53 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Last day of our holiday, heading home tomorrow.

    Over purchased on food for the self catering holiday, so some of the stuff (a handful of items) will be coming home with us to be worked into next weeks meal plan.

    Holiday spends are within budget, this included a trip to the on site spa for me (£20) and two paid for activities for LO (£15) during periods of heavy rain.

    Still no new onepoll surveys, so I'm still sitting at £39.90

    Bank accounts and budget have been reconciled and £11.18 has been sent over to savings, bringing savings to £1267.91/£3000.
    Last edited by Needhelpsaving; 08-06-2017 at 3:36 PM.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • phillw
    • By phillw 8th Jun 17, 3:53 PM
    • 806 Posts
    • 400 Thanks
    phillw
    In other news, onepoll is still at £39.90 with no surveys at all coming in.
    Originally posted by Needhelpsaving
    This seems to be a common problem.

    https://www.google.co.uk/search?q=google+39.90+onepoll

    I think they blacklist you for a few weeks to see if you give up, or maybe it's waiting until they have enough cash to pay you.
    • Needhelpsaving
    • By Needhelpsaving 8th Jun 17, 5:23 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Thanks for the heads up phillw, it's a bit blooming naughty if you ask me.

    I wonder if a lot of people do give up on it? Hmmm . . . I will persist
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 9th Jun 17, 3:29 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Back home from a lovely few days away. Very well timed, as the rest and family time out was much needed. We're all recharged and ready to get back into the swing of things.

    We have under-spent on the holiday budget by £29.75, so I have transferred the same amount to the savings via internet banking. Savings now at £1297.66/£3000.


    I have finally hit £40 on OnePoll and have requested the £££!
    The £40 will be sent to savings upon arrival.

    Now to get the unpacking done and the washing machine going
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 11th Jun 17, 3:24 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Weekly shop done yesterday and came in just shy of £39.

    NSD today. Lots of baking done, treats for the week ahead and I just need to do a packed lunch for work tomorrow to keep the NSDs coming.

    NSD planned for Tuesday too, Wednesday will see a spend for a petrol top up and fresh milk.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 13th Jun 17, 7:43 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    NSD's achieved Sunday, Monday and today.

    Spends planned for tomorrow - £20 petrol (will last until month end) and a small shop to get some fresh milk, use up some Asda Price Guarentee vouchers (nearly £6 worth) and get OH a bottle of wine or something for fathers day.

    I will put together a meal plan for next week and add some non-perishables to tomorrow's list to make the most of the vouchers.

    Current account has also been rounded down (£2.70) and moved to savings

    Thursday, Friday and Saturday have also been earmarked as NSD's and I have also signed up for some OT on Saturday to bring some more money into the pot.

    Right, off to grab a cuppa and read some MF diaries for inspiration.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 16th Jun 17, 8:53 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    It's Friday!!!

    £40 spent this week on petrol and food top up (included a Father's Day gift). Free activities have been on the cards this week, with a visit to the park, a trip to the local library and yesterday was spent sorting out the back garden and weeding the driveway at the front. It looks great (if I do say so myself).

    We have stuck to the menu plan this week, which is great, but I will do the shop for next week tomorrow evening as we are out all day on Sunday visiting dads and grandads.

    OT booked for tomorrow, which will add more money to the coffers at the end of the month.

    I hope everyone has a fab weekend!
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 19th Jun 17, 5:51 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Just checking in quickly to update the diary. Managed NSDs on Saturday and today.

    Sunday I did a grocery shop, which will take us through until payday.

    Right off to cool down
    Last edited by Needhelpsaving; 22-06-2017 at 2:21 PM.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 22nd Jun 17, 2:33 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Good afternoon!

    NHS household is chuntering along to payday. Draft budget has been put together for July and will be finalised once I have confirmation of the Net pay.

    NSD on Tuesday, I did make a spend yesterday to buy a tallboy for the bathroom as I found what I was looking for at half the price of others I have seen - good old aldi.

    3 items have been listed on ebay today and £5.35 has been requested from quidco. This money has been earmarked for the savings account.

    Out tonight for a meal with friends, which will be nice (planned spend on OH budget). Nanny is having LO and is treating her to a chippy tea.

    Right, I better go and check for new surveys and scout out some more ebayable items.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 24th Jun 17, 4:24 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Hi,

    I hope everyone is having a good weekend.

    3 more items listed on eBay today and I have another two to be cleaned and listed - that will be a job for tomorrow.

    Today has been spent trying to get a few bits moving, 1 item dropped at the charity shop. A couple of toys LO no longer plays with will be donated to her nursery for other children to enjoy (train set etc) and have been put in the boot ready for Monday.

    I am trying to keep minimising the house to only store things we need and love (although I won't be minimising to only a stark white box). I just need the house to feel calmer. Is it just me or does this stuff just appear/breed?
    I mean I'm not climbing over things to get anywhere like some of the extreme programmes they show you on tv, but it seems to be an ongoing task.

    Next month will see some more carpet being laid on the stairs, landing and box room to complete the upstairs. The living room can wait for a while as there seems to be a flurry of people spilling drinks at the minute and it would be on a new carpet.

    I have earmarked a decent chunk of change to be sent to the mortgage on payday and am getting excited to see the mortgage coming down again

    Right, off to get the ironing done.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 27th Jun 17, 8:00 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Just checking in with a progress report (for reference really)

    Family loan £4300 outstanding
    EF savings £1300.36/£3000
    MOP £905.72/£4000
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • shangaijimmy
    • By shangaijimmy 27th Jun 17, 9:38 PM
    • 2,198 Posts
    • 10,042 Thanks
    shangaijimmy
    Feeling your house frustrations. I keep saying we've lost control of the house to plastic sh***! Tried to opetate a 1 in 1 out policy but Grandma 's relentless buying of plastic noisy toys from charity shops always beats us!! And always no off button too!!
    MFW: Turning June 2036 into March 2023... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • Needhelpsaving
    • By Needhelpsaving 28th Jun 17, 7:57 AM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Thanks Shangaijimmy! Its nice to know i'm not alone in the battle with plastic and carp!

    I empathise with you re the bargain hunting nana! The MIL does that with clothing sales - my DD has 4 swimming costumes (various sizes for her to 'grow into').
    Last edited by Needhelpsaving; 28-06-2017 at 5:14 PM.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 28th Jun 17, 5:08 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    A very chilled day has been had in the NHS household, with both me and DD moving at a nicer pace and taking some time out to build dens/dress up etc around the usual errands

    We did need to go out to the shops though and spent a total of £19.57. This included 2 birthday gifts, a birthday card, some mailing bags for ebay stuff and milk,eggs etc.

    I was chuffed to see that our local Clintons store had a 50% sale, so I picked up a lovely wine glass for my friends birthday in September (we only do small gifts, unless its a special birthday). The glass should have been £9, but I paid £4.50

    Then we hit Wilkos to grab a gift for a birthday party DD is going to at the weekend. We got a colouring book, a sticker book and some colouring pencils for £4.50 - the back of the books showed the RRP to be nearly £13 excluding the pencils!

    Overall, a good day
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 30th Jun 17, 7:49 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Its Payday!!!!

    Money shuffles done - £107ish to savings, £515.71 to the mortgage as an OP.

    Chuffed this month, making progress
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • earthgirl
    • By earthgirl 2nd Jul 17, 10:05 PM
    • 2,407 Posts
    • 19,445 Thanks
    earthgirl
    NHS I've really enjoyed reading your whole diary and have subscribed. You seem so organised and focused it's great to read! Glad you managed some den building and dressing up too!

    My youngest is four and everyday asks for the forest or farm to build dens. Thankfully our local farmer is very understanding!!

    Best wishes on your journey.
    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 )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • Needhelpsaving
    • By Needhelpsaving 3rd Jul 17, 9:47 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Thanks for popping by Earth Girl. Farm dens sound lovely - we live in a city suburb so we went with dining chairs and bed sheets

    3 Ebay sales this week. 1 Item still to be posted; but £14.19 transferred to savings after fees and postage costs.

    I did the weekly shop and a petrol top up - £80 total. The only other spend this week will be the final ebay package. 3 more items still listed.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • earthgirl
    • By earthgirl 4th Jul 17, 7:57 PM
    • 2,407 Posts
    • 19,445 Thanks
    earthgirl
    Great figures NHS. I'm going to start a new budgeting method but I can't decide what to set for 2 adults and two boys (4 and 6) for groceries. If I've had a good week it's £40 but then I spend more the next week!
    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 )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • Needhelpsaving
    • By Needhelpsaving 4th Jul 17, 8:28 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    I used the tip from the old style grocery challenge - some people set a budget and then bring it down little by little (some are grocery shopping pro's).

    I have found that meal planning has worked well for me, but I am still working at it; as its not very adventurous in terms of variety. We also used to have a lot of waste and meal planning has helped reduce this.

    Onepoll and Swagbucks have been checked and tasks/surveys completed.

    Jobs for tomorrow;
    Usual cleaning and laundry jobs
    Post last ebay parcel
    List 3-4 new items on ebay
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
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