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  • FIRST POST
    • Needhelpsaving
    • By Needhelpsaving 14th Nov 16, 5:58 PM
    • 543Posts
    • 2,418Thanks
    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
    • 543 Posts
    • 2,418 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 £200 withdrawn for our holiday (this included a £70 spend on food shopping as we are self catering).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 £1300.36/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £905.72/£4000
    • Needhelpsaving
    • By Needhelpsaving 8th Jun 17, 2:53 PM
    • 543 Posts
    • 2,418 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 £1300.36/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £905.72/£4000
    • phillw
    • By phillw 8th Jun 17, 3:53 PM
    • 588 Posts
    • 252 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
    • 543 Posts
    • 2,418 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 £1300.36/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £905.72/£4000
    • Needhelpsaving
    • By Needhelpsaving 9th Jun 17, 3:29 PM
    • 543 Posts
    • 2,418 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 £1300.36/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £905.72/£4000
    • Needhelpsaving
    • By Needhelpsaving 11th Jun 17, 3:24 PM
    • 543 Posts
    • 2,418 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 £1300.36/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £905.72/£4000
    • Needhelpsaving
    • By Needhelpsaving 13th Jun 17, 7:43 PM
    • 543 Posts
    • 2,418 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 £1300.36/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £905.72/£4000
    • Needhelpsaving
    • By Needhelpsaving 16th Jun 17, 8:53 PM
    • 543 Posts
    • 2,418 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 £1300.36/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £905.72/£4000
    • Needhelpsaving
    • By Needhelpsaving 19th Jun 17, 5:51 PM
    • 543 Posts
    • 2,418 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; Today at 2:21 PM.
    Target 1 - Emergency Fund Currently £1300.36/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £905.72/£4000
    • Needhelpsaving
    • By Needhelpsaving 22nd Jun 17, 2:33 PM
    • 543 Posts
    • 2,418 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 £1300.36/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £905.72/£4000
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