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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 7
    • Needhelpsaving
    • By Needhelpsaving 5th Jul 17, 10:13 AM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Well I have gotten a bit big for my boots . . .

    As if by magic, the dishwasher broke this morning - leaking water onto the kitchen floor (a lot). This MF journey business is 1 step forward, 1 back.

    Positives -
    1. We have savings to replace the item.
    2. I was in when the leak happened, and not at work.
    3. I can get the towels and sheets used to mop up the water washed and dried today, with it being sunny.


    Random question - does anyone know whether you can re-use the door part of a built in dishwasher, or would I be better looking at a free-standing unit?
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 7th Jul 17, 6:41 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    A more positive day today. Got a letter from the mortgage company to confirm that the term of the mortgage has reduced to 15 years and 1 month.

    Also got a letter from nationwide to give us a £30 Amazon voucher, which was the offer available when we took out our home insurance.

    3 hours overtime logged for this week which is more money for the
    Pot.

    This weekend I will check out a replacement dishwasher- not an essential I know, but I value the time it saves me from standing over the sink. The last one was 7 years old, so we had a good run really.

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

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Kittenkirst
    • By Kittenkirst 7th Jul 17, 6:51 PM
    • 1,574 Posts
    • 8,096 Thanks
    Kittenkirst
    What a bummer about the dishwasher! Afraid I'm not very DIY minded so don't know about the door question.

    Overtime and Amazon vouchers all sound great.

    Enjoy your weekend
    2017 MFW #20 - OP £1914.25/ £2150. 89%
    Last 3 months- Jul £172.36 Aug: £212.52 Sep £161.63

    Emergency fund £3725]/£6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • Needhelpsaving
    • By Needhelpsaving 7th Jul 17, 7:23 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Thanks for dropping by Kittenkirst. I have been lurking on your thread and have really enjoyed hearing about your silver hobby.

    I rang the DIY store that we had the dishwasher from to ask about the door, so have an answer, which is good. So tonight's job will be shopping around for a good deal on a replacement.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • EatingTheElephant
    • By EatingTheElephant 8th Jul 17, 8:01 AM
    • 1,105 Posts
    • 5,963 Thanks
    EatingTheElephant
    The dishwasher is a godsend in our house, saves so much time. Especially as you mention your working overtime too.
    Good luck and hope you find a bargain
    • Needhelpsaving
    • By Needhelpsaving 9th Jul 17, 9:13 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Good evening, I hope everyone has had a good weekend.

    The Dishwasher has been ordered and will be fitted next Sunday. It cost £403.99 inc delivery, fitting and removal of the old one.

    Today has been spent getting ready for the week ahead (Saturday was a very lazy day ).

    Just dipped under the £75k mark on the morgage, which has made me very happy.

    One lot has not shifted after nearly 30 days on eBay, so I am going to send it to the charity shop as it's a decent item, but I would value the space more than relisting it for another period of time.

    Have a great week
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 12th Jul 17, 9:30 AM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Good Morning!

    Day off today, so I have spent the morning balancing the books and ensuring we are up to date with everything. As a result of 3 big bills this month (inc dishwahser replacement), the savings account is a sorry sight.

    Its just over two weeks to payday and I have enough money for planned spends (includes two birthday presents) without having to touch the savings again.

    Jobs for today;
    - Contact Will writing people about updating our will as there have been a couple of changes.
    - Book LO in to have her hair trimmed.
    - Change bedsheets and get the others washed and on the line.
    - Take the unsold ebay item to the charity shop.

    This journey is full of ups and downs, but were getting there
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 14th Jul 17, 6:58 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    It's Friday!!

    I hope everyone has had a good week.

    I managed to get everything on my list done, with the exception of the will update.

    Another letter came today from the mortgage provider saying that our last OP has taken us to a 15 year term (1 month off). So far, will our cumulative overpayments we have knocked 8 months off of the mortgage.
    It's a drop in the ocean i know, but it's nice to see things coming down.

    A couple of family visits planned this weekend, but otherwise a quiet one.

    Enjoy your 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 16th Jul 17, 5:38 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    The new dishwasher is here! . . . Is it sad that I was excited by this?

    This weekend has been pretty chilled, the house has been cleaned and I did a couple of deep cleaning jobs that have been on my list of the last couple of weeks.

    After decluttering steadily over the last few months, the house is feeling calmer and more manageable, so if you are currently doing this or thinking of doing this, it is worth the effort.

    Draft budget has been done for august, although there will be some tweaks once I know the actual net pay.
    I have planned for another £515 OP for the mortgage to get me moving towards my target.

    I have also been offered another free pair of glasses by spec savers and have a 50% off voucher that they gave me when I had my sunglasses in June (these too were half price with a voucher). I will replace at least 1 pair of my glasses (I wear mine all day, everyday) and that should keep me going until my next eye test in two years time

    Have a great week 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 20th Jul 17, 2:53 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Afternoon everyone.

    I have not posted for a few days, but have been on the boards reading other diaries for inspiration.

    MSE has saved me a few £££ this week, which is much appreciated ;

    1. I took up the Dettol offer and got two free cinema tickets. I did spend £7 on items (all of the lower cost hand soaps had been snapped up). I bought items that I will use, and have popped then under the sink for a later date. It did mean that I could take LO to see Despicable Me 3 this morning while it was raining. Snacks bought from local shop for £4. In all, I got cleaning products, 2 tickets and treats for the same cost of a round of snacks at the cinema stall.

    2. I have snapped up the Now TV offer for the Sky Sports day pass. OH is a sports fan, we already subscribe to Now TV and this will come in handy for him to have a chill out afternoon of sports at a later date for £0!

    3. I hope this will be a future money making opportunity - I signed up to another Market Research Company to see if I can access any focus group opportunities.

    Current account rounded down by £8.88 and sent to savings account (£244.45/£3000).

    I small ebay sale has been made - its a couple of pounds after postage etc, and will be added to savings.

    Almost at £5 paypal cashout on both RecieptHog and Swagbucks

    Right, off to get some washing onto the line and a cuppa.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • earthgirl
    • By earthgirl 20th Jul 17, 9:51 PM
    • 2,412 Posts
    • 19,486 Thanks
    earthgirl
    Great work NHS. Hope she enjoyed the film!


    I still have the cinema tickets from the lloyds offer last year, cinema is about 40 mins away! I'm using them up in the summer hols.
    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 22nd Jul 17, 4:47 AM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    We loved the film earth girl.

    I hope you find a great film to use your vouchers on x
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 29th Jul 17, 6:29 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Hi all,

    I haven't posted for a few days, as its just been one of those weeks where there are not enough hours in the day.

    Payday has arrived and a few money shuffles have taken place to keep me ticking along to my target. I have sent £538.57 to the mortgage as an over-payment; meaning we are at £2500/£4000.

    No money has been sent to savings as yet, but I will add a little to the pot this month once I have paid out for the rest of LO school uniform (I think I have over budgeted) and put in my expenses claim at work which is around £90.

    Weekly shop was done today and I came in 30p under my £55 target

    2 hours OT completed yesterday and 5 hours completed today, which will add to next months pot. I could do with another 7-8 hours of OT this month in order to stay on target for this year.

    Going to keep plugging away. I am considering doing a no spend month in September - anyone got any tips that may be useful?

    Any hoo - hope you all have a great weekend!
    Last edited by Needhelpsaving; 29-07-2017 at 6:48 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 30th Jul 17, 5:24 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Today has been a low spend day. We utilised a free swim session at our local swimming baths and then went to the park in the afternoon.

    It would have been an NSD,but the local park have started to charge £2 for parking on Sundays and Bank Holidays.

    Tonight will be a family film night, using a free 14 day trial to the film section of NOW TV.

    A good day overall and we will be trying to use the free swim session weekly basis until the swimming baths closes for some refurb work.

    3 items listed on ebay today - I will try to add another 2-3 this evening to keep things moving.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 31st Jul 17, 7:39 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    NSD achieved today and 1 ebay item sold on Buy it Now.

    Tomorrow will see some spends for the ebay postage and a 1st class stamp for a birthday card.

    1 more item has been listed on ebay tonight and 3 more have been lined up to be photographed over the next couple of days.

    Right off to watch GoT - have a good one!
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • Needhelpsaving
    • By Needhelpsaving 2nd Aug 17, 4:54 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Hi,

    I hope everyone is having a good day.

    Not much to report here, just ticking along.

    Ebay item was posted today, as I didn't get chance to pop out on my lunch break yesterday. Ebay monies to be moved from paypal into savings.

    Other than postage, the only spend today was £1 on some fresh cobs for lunch and 50p on a book for LO from the charity shop.

    I also received a letter from the mortgage company today, confirming they had received my last OP and that our mortgage term has reduced to 14 years and 10 months. I must admit, I do like these letters

    Clocking up some more OT tonight and will also make sure that I submit my work expenses while I am in.

    Right, off to get the tea on, have a good one!
    Last edited by Needhelpsaving; 02-08-2017 at 4:57 PM.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • earthgirl
    • By earthgirl 3rd Aug 17, 3:27 PM
    • 2,412 Posts
    • 19,486 Thanks
    earthgirl
    Sounds great NHS well done on the ebaying! I need to get back to it.
    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 6th Aug 17, 4:00 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Happy Sunday!

    I hope everyone is well and enjoying the weekend.

    This weekend has been a bit spendy in the NHS house. I spent £45 yesterday to have my hair done (highlights, base colour, cut and blow dry. This spend was planned in this months budget and came in under the £50 I had put aside - very pleased with the final result (as it had been nearly 6 months since I had my hair done and I was looking a bit like Worzel Gummidge ).

    I have also purchased LO pinafores for school, so just need to get shoes, pumps and some winter wellies now. I did use a £5 M&S voucher from swagbucks towards the pinafores. OH needed some new white work shirts as they were showing the wear and tear and had started to discolor around the collar and under arms - 3 pack from Next came in at £38. I could have gotten them cheaper elsewhere, but OH likes the quality and fit from Next.

    A couple of bits were purchased at Boots, I used a £5 No7 voucher to get OH some cut price face cream and I treated myself to a small costa coffee while I had some alone time.

    I will add these spends to the speadsheet and reconcile the accounts this evening.

    Other than the spends above, I have spent the weekend cleaning the house and doing some of the annual jobs like wiping out the wardrobes.

    Paypal withdrawal made (£14.39) bringing the savings to £258.97/£3000
    Last edited by Needhelpsaving; 06-08-2017 at 4:23 PM.
    Target 1 - Emergency Fund Currently £300/£3000

    Target 2 - Op Mortgage by £4000 by 31/12/2017 Currently £2919.61/£4000
    • shangaijimmy
    • By shangaijimmy 6th Aug 17, 8:28 PM
    • 2,200 Posts
    • 10,064 Thanks
    shangaijimmy
    All progressing nicely in here. Was nice catching up with a cuppa!
    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 7th Aug 17, 6:54 PM
    • 593 Posts
    • 2,573 Thanks
    Needhelpsaving
    Thanks for stopping by Shangaijimmy, its always grand to have some company along the way.

    Just a quick one for tonight - 1 ebay sale yesterday, should net about £4.50 after fees. That item was posted today.

    A second item has just sold, which should be another £2-3 after fees. Just awaiting payment from the buyer. This money will be sent to savings to keep it ticking along.

    I must get those other two items listed this week as a priority.
    Saturday will see some more OT being added to the pot for this month too.

    Onwards and downwards
    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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