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  • FIRST POST
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Jul 17, 7:39 PM
    • 651Posts
    • 2,592Thanks
    wishingthemortgaheaway
    Taking it slowly, but doing it well.
    • #1
    • 13th Jul 17, 7:39 PM
    Taking it slowly, but doing it well. 13th Jul 17 at 7:39 PM
    Good evening all,

    I'm rejoining this thread and you lovely people after a break of a few years.

    I've got a new user name, but only because I can't get back into my old account. (My old diary was called 'Today is not a NSD'

    I've kept the start of my username the same, so it's still a big wave hello from me, Wish.

    A quick (I promise) update from me.

    I'm about to turn 35 (still wish I was 25)

    I now have a 1 year old little boy - Pickle

    I'm currently on extended maternity leave/career break/unemployed (I took the statutory maternity pay from my high pressured, long hours, no social life job, handed my notice in whilst on mat leave and , because I didn't take any occupational maternity pay, I didn't have to repay any money. )

    Husband is still a freelance audio visual engineer in the entertainments industry

    Still in our 2 bed Victorian terrace, which we still love.

    We still want to be mortgage free, but it's going to take a little longer than we thought when I was last here.

    So, why am I back?
    I need some motivation and some accountability, need to get back on the no spend days. Need to curb some bad financial habits that have crept back in.
    Need to lose some weight - nsd will help by no cake shop stops or treats from the discount supermarket at the end of the road.

    I'm at the end of my maternity savings.

    When I found out I was pregnant I stopped overpaying the mortgage and diverted all that cash into a maternity leave 'fund' to that I added my statutory maternity pay as it came in, £5k from an inheritance and a £5k gift from my parents.
    The total of those savings have allowed us to live as we were for 15.5 months without hubby having to contribute anymore to our household expenses than he had previously.

    I am very pleased with what we have achieved. But, that 'half month' is August and then the money is gone, I have no income and we will have to manage on hubby's self employment earnings.

    I am meant to be applying for agency work, in my field, for 3 days a week from September. It's not happened yet due to hubby being run off his feet with work. I'm not worried about this, I will sort it when I can.

    We have no debts, other than our mortgage (which currently stands at just less than £37k and has 12years 3 months left to run)

    We receive child benefit, but nothing else (previous warnings have been too high to receive tax credits or anything else)
    We have no family living nearby, so will need to pay out for childcare come September for 3 days a week, as I'll be agency and hubby is self employed we can't get childcare vouchers, but should be able to open one of the new tax free childcare accounts saving us 20% on childcare costs, which will be around £120 a week.


    This is what I already do:

    YNAB all my accounts - this is how I've managed to have 15 months off work
    Use ynab to save for all annual bills, overpaying each section so I have a little bonus when it comes to paying the bill

    Meal plan & cook from scratch

    Try not to spend too much on things for Pickle, and try to sell on things he has finished with (this has had mixed success)

    I'd love to have your support as I attempt to pay off the mortge earlier than planned. I'm aiming, from August, to overpay the same amount as the interest added to the account. This isn't much, but it's a realistic challenge given out current circumstances.

    Thank you for reading

    Wish.
Page 14
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 16th Nov 17, 9:59 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Evening all, a daily round up, then a bit of a 'middle of the month moan'.

    Today was not a nsd because I went to the blue and yellow pleasure palace. Had a cheapy 'fat friday' breakfast then went round the store. Not too many things jumped in my trolley. - damage £76.75. And the boxes to sort Puckles toys are got and mostly sorted. Next month I'll take hubby to get the units to put the boxes in. (I'll persuade him with the promise of breakfast).

    Child care account set up. Money for the 5 weeks I've still to pay has been put in there and a standing order set up from my current account to the childcare account. The rainy day fund has been hammered for this, but I'll be able to replace the rainy day fund money when I get paid. (Mop pot is going to stagnate though.

    Friend has paid me back so £30 towards the boxes.

    Tonight I've balanced all the accounts - all good. However...

    Middle of the month and I don't think the budget is going to last the month. (All I'm going to say on the matter.
    Wish

    Update on day 16

    MSE NOVEMBER GOALS

    1)MOP pot total of £276.10
    Target 1: interest accrued £73.99/£73.99 ✅
    Target 2: next 1% paid £2.11/£2.11✅
    Target 3: £400 capital reduction £5.07/£100
    Target 4: £500 capital reduction 0/£100

    2) new sling fund £40/£110

    3) surveys, cashback etc £15.09/£30
    £0.09 Qm33
    £15.00 - VO

    4) Nsds 7/13
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • pinkypig
    • By pinkypig 16th Nov 17, 10:01 PM
    • 747 Posts
    • 6,483 Thanks
    pinkypig
    Sometimes its just got to be done! I bet its lovely having nicely organised toys

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 17th Nov 17, 3:43 AM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Sometimes its just got to be done! I bet its lovely having nicely organised toys

    PP xx
    Originally posted by pinkypig

    Oh yes, and all nicely themed too, so the castle with the knight's dressing up tabard and the book about the dragon. A dear zoo box, Drs&?ambulances, fire & rescue etc. hubby just said 'blinking teacher, you need to go back to work'
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • debtfreeforlife
    • By debtfreeforlife 17th Nov 17, 5:51 PM
    • 93 Posts
    • 409 Thanks
    debtfreeforlife
    Sometimes it's just gotta happen! Looks like overall things are going well though, how is the new job going?
    GC Nov 17: £136.08/£200 Oct 17: £225.07/£200
    2017 MFW #130 £6599.86/£250
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 17th Nov 17, 7:02 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Sometimes it's just gotta happen! Looks like overall things are going well though, how is the new job going?
    Originally posted by debtfreeforlife

    You are right. Things overall are going well.
    New job is good. Huge amounts of 'imposter syndrome' going on at the moment. But I will get there. Working from home and part time is interesting. Technically it's 1.2 days a week but those .2 of a day need consolidating into full days for visits and travelling.

    2 working days next week, 1 is a visit for a handover meeting and the second is a full on office day.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 17th Nov 17, 7:14 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    not much to report today. But I bet I still waffle on)
    £3.50 from the eating out pot for mum's breakfast/coffee this morning.
    £12.44 in Ald1 in the 'weekly shop' (including a box of Nappies) ill blatantly need other stuff, but didn't have the energy to look properly. I'm going to be eating from the freezer this week (again) as hubby is working silly hours and being fed in site.

    I've Tilly tidied the pots, done a few pa surveys (up to £12.00 already)
    Need to crack on with some vo surveys as the batteries in my label machine have leaked and it's ruined so needs replacing. Need 2x£15 amaz0n vouchers to get the one I'd like. (A label machine is a necessity not a luxury for me).
    Also need to review my monthly bulket journal goals as I know I've achieved some.

    Tonight is a quick tidy of the front room, kitchen and our bedroom and an early night as I'm expecting another 3am wake up from the Pickle.
    Wish

    Update on day 17

    MSE NOVEMBER GOALS

    1)MOP pot total of £276.10
    Target 1: interest accrued £73.99/£73.99 ✅
    Target 2: next 1% paid £2.11/£2.11✅
    Target 3: £400 capital reduction £6.13/£100
    Target 4: £500 capital reduction 0/£100

    2) new sling fund £40/£110

    3) surveys, cashback etc £15.09/£30
    £0.09 Qm33
    £15.00 - VO

    4) Nsds 7/13
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 19th Nov 17, 9:32 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Evening all, double update from me today. Yesterday I didn't get round to updating ynab, so I didn't post as I really wouldn't have had anything to say.
    Yesterday was 'Chirstmas shopping' or rather things to make Christmas gifts with. This included £9 on 9 A5 netbooks from a £shop and some fabric & wading, my main 'made gifts' this year are going to Ben notebook covers, dead easy to make, Andy I'm trying to personalize the fabrics to the people.
    I need to make up my usual Christmas hampers for family members, but I'm going to have a go at making the jam in the bread machine this year, there's is a recipe in the instruction book, or I could be buying a new bread machine by the end of the week.
    My aim for this week is to have crafty week evenings and nap times to get these things made. Should be doable, especially as Tuesday is now a totally free day for me, Pickle is at the child minders and I'm not working.
    Today has been a nsdand I should manage a few this week. I need to go food shopping tomorrow or Tuesday, but I'm hoping to have nods Wednesday and Thursday, as I'm working both days, then if I can have one nsd out of Monday and Tuesday's we are winning. I'll let you know how it goes.
    Pickle is still poorly, so not sleeping well, so signing off now to get some sleep before he wakes.

    Wish

    Update on day 19

    MSE NOVEMBER GOALS

    1)MOP pot total of £276.10
    Target 1: interest accrued £73.99/£73.99 ✅
    Target 2: next 1% paid £2.11/£2.11✅
    Target 3: £400 capital reduction £21.39/£100
    Target 4: £500 capital reduction 0/£100

    2) new sling fund £40/£110

    3) surveys, cashback etc £15.09/£30
    £0.09 Qm33
    £15.00 - VO

    4) Nsds 8/13
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 20th Nov 17, 6:01 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    So, today I've set myself up for (hopefully) a run of NSDs by doing the food shopping & filling the car up.
    Shopping came in under the my supermarket prediction and fuel was only £50 of the the budgeted £70. But I had hoped I wouldn't need to fill up this month given how much I spent on fuel in october. However I've got a work trip on Wednesday and I've decided to go to my
    Parents at the weekend to avoid another weekend of solo parenting (hubby working away of course). I had enough fuel to do one trip, but not both so filled up at costc0 where it's over 4p cheaper per litre than the supermarket.

    My groceries mop pot has less left in it than I'd hoped, but technically this is a 5 week grocery month so it's to be expected that I spend more this month than I did last. However, with a bit of creativity, hopefully I will only have to do a tiny top up shop next week.

    Child benefit paid today - usual split including adding the £2.80 to the mop pot and, because of the Christmas break, this will pay for Pickle's next block of swimming lessons which I will need to pay for in a couple of weeks.

    So... all set for three days of no spending, let's see how I get on.
    I really need to crack on with some surveys as I'm not going to make my mop pot targets on what is left in the budget.

    Wish

    Update on day 20

    MSE NOVEMBER GOALS

    1)MOP pot total of £276.10
    Target 1: interest accrued £73.99/£73.99 ✅
    Target 2: next 1% paid £2.11/£2.11✅
    Target 3: £400 capital reduction £24.50/£100
    Target 4: £500 capital reduction 0/£100

    2) new sling fund £40/£110

    3) surveys, cashback etc £15.09/£30
    £0.09 Qm33
    £15.00 - VO

    4) Nsds 8/13
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 21st Nov 17, 5:42 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Another day done.
    Pickle was at the Childminder's and I had the day 'off' some would say for the first day off in 18months (since Pickle was born) I should treat myself. And I will, in time. But today has been a busy day. I spent the morning in the office filing 18months worth of bank statements and bills and sorting through receipts for hubby's tax return. I used to do this every school holiday, but it's got a bit behind. I've told hubby we can't let it get so behind again, but as I'll be using the office weekly again (as I did when I was teaching) I should be able to keep on top of it.
    We really need some more shelving in there, so will need to contact a joiner to get a bespoke solution (it's the loft space so standard shelving won't necessarily fit.

    I sat down and ate my lunch whilst watching tv- this was a treat.

    Made a lemon meringue pie from scratch for tea tonight (but one person is poorly and has cancelled) - so not sure what's happening now.
    Then ran some errands - dbs to supply agency (so can start getting work from them from next week) posted my contract for the nursery job, and dropped a parcel off that needed returning to Amaz0n.
    Then I finally got to sit down and start on my Christmas sewing makes. I'm making fabric notebook covers, I've got all the lining and wading cut out and 2 lots of the outer fabric with one set pinned up.

    I've bought 'fat quarters' for the outer fabric (£7 and will make 10 covers) wadding was £6.50 for enough for 12 and the lining is left over curtain lining from making Pickle's curtains last year. Notebooks were £1 from the £shop. So working out about. £2.25 each, which I don't think is bad at all.

    Nsd as planned and mop pot increase is from yesterday's Tilly tidy which I didn't do prior to my post.

    Tomorrow is a work day. Will take lunch & drinks with me, so hopefully a nsd as well.

    Keep saving everyone.
    Wish

    Update on day 21

    MSE NOVEMBER GOALS

    1)MOP pot total of £276.10
    Target 1: interest accrued £73.99/£73.99 ✅
    Target 2: next 1% paid £2.11/£2.11✅
    Target 3: £400 capital reduction £25.31/£100
    Target 4: £500 capital reduction 0/£100

    2) new sling fund £40/£110

    3) surveys, cashback etc £15.09/£30
    £0.09 Qm33
    £15.00 - VO

    4) Nsds 9/13
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 22nd Nov 17, 7:01 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Here I am not even 7pm and already in my pjs in my room, waiting for Pickle to drop off to sleep before I curl up in a ball to sleep. Today has been long and tiring. Meeting for work, only an hour's drive away, but it wasn't an easy drive, wind & rain on the motorway made it quite tricky.
    I ended up being nearly an hour early, (had to do a suitcase swap for hubby who's been working on a gig in the city and is trvalleing to the midlands tonight, then onto London and miscalculated how long it would take - better that way than the other though)
    So in order not to be ridiculously early I pulled into a coffee shop, spent a fortune on a mediocre drink and dealt with my work emails using their free wifi. This means today was not a nsd as I had planned, but I also needed a wee, so it was worth it.

    Spent an hour at the baby group that I volunteer at this afternoon, then a bit of admin work for the last couple of hours of the working day. Tomorrow is an entire day of work, I think it's going to be a tough one. Hence the early night.

    In other news, £5.50 cashback from sh0pmium for a veg pot salad thing and a soup - so free lunches for the next few days and an addition to both the mop pot and the 'earnings' pot. Tilly tidy from the coffee stop brings the mop pot up a little and hoping for a nsd tomorrow.

    Update on day 22

    MSE NOVEMBER GOALS

    1)MOP pot total of £276.10
    Target 1: interest accrued £73.99/£73.99 ✅
    Target 2: next 1% paid £2.11/£2.11✅
    Target 3: £400 capital reduction £31.71/£100
    Target 4: £500 capital reduction 0/£100

    2) new sling fund £40/£110

    3) surveys, cashback etc £20.59/£30
    £0.09 Qm33
    £15.00 - VO
    £5.50 - Sh0pmium

    4) Nsds 9/13
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 23rd Nov 17, 7:18 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Reallly not much to report today, working from home so nothing in and nothing out. So the only item to update is the nsd count. Which is inching towards target (good job really as we're nearing the end of the month)

    Tomorrow - normally mum's breakfast/coffee in the morning but I'm not sure who's around, then heading over to my parents for the weekend. This means it could be a low spend/no spend weekend, or we could end up going out, doing lots of things and spending a bit. We'll see. I'm hoping to get lots of surveys and get lots of knitting done.
    I hope everyone has a lovely weekend.

    Wish

    Update on day 23

    MSE NOVEMBER GOALS

    1)MOP pot total of £276.10
    Target 1: interest accrued £73.99/£73.99 ✅
    Target 2: next 1% paid £2.11/£2.11✅
    Target 3: £400 capital reduction £31.71/£100
    Target 4: £500 capital reduction 0/£100

    2) new sling fund £40/£110

    3) surveys, cashback etc £20.59/£30
    £0.09 Qm33
    £15.00 - VO
    £5.50 - Sh0pmium

    4) Nsds 10/13
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 28th Nov 17, 6:43 AM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Morning all,
    I've been mia at my parents all week, I did start a post last night but got distracted so here a bit of a round up:

    Friday - mum's coffee and a cheeky McDonald's while travelling

    Saturday - trip to town with parentals few bits towards the Christmas pressie makes (which I need to crack on with this week.
    Then blip 1 & blip 2 (more details below)

    Sunday - nsd

    Monday - McDonald's brekkie on the way home. Food shop (£12.66 so not a disaster) pre paid for Chinese take away for tonight.

    Blip 1: ethical Swedish clothing company that are pulling out of the uk had a 50% sale, which takes all their super lovely horrendously expensive clothes to normal M&s prices. £90 spent on 1x trousers (me) 2x tops (Pickle) 1x dress (me) 1xtop (me) then, the lovely rep who I'm beginning to get to know as a friend made it look like I'd hosted a party, so I'm also getting 2 tops as 'hostess gifts' so those, and another mystery item, have been added to my order.

    Blip 2- £116 on a new wrap. Complete impulse purchase. This wrap is a very special design, it's the same pattern as one I already own, but a different colour way. And it's stunning. I was very sad not to manage to get hold of one when they were released (as a special edition at a wrap show). I couldn't turn it down. I will be able to sell it on when I've finished with it. Ho hum, it's only money.

    Today is a work day - the supply agency could start offering me work from today, which I'm feeling very anxious about. Today I plan to work, from home, on my other job so can put them off for today. Today should be a nsd as I'm working from home and have prepaid for tonight's Chinese with the girls.

    Wish

    Update on day 27

    MSE NOVEMBER GOALS

    1)MOP pot total of £276.10
    Target 1: interest accrued £73.99/£73.99 ✅
    Target 2: next 1% paid £2.11/£2.11✅
    Target 3: £400 capital reduction £32.36/£100
    Target 4: £500 capital reduction 0/£100

    2) new sling fund £40/£110

    3) surveys, cashback etc £20.59/£30
    £0.09 Qm33
    £15.00 - VO
    £5.50 - Sh0pmium

    4) Nsds 11/13
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • debtfreeforlife
    • By debtfreeforlife 28th Nov 17, 4:15 PM
    • 93 Posts
    • 409 Thanks
    debtfreeforlife
    Really glad that work is going okay - sorry it's taken me so long to respond, I haven't really been around the past week or so. You have ALL my sympathy on the imposter syndrome. I work in higher education and I and a whole load of my women colleagues struggle with it (men in my team stared at me in bafflement when I mentioned it, although I am sure some do suffer from it!). I hope things are improving now? Keeping all my fingers crossed that supply work goes well.

    Your blips sound like lovely blips to me, it's a good job I didn't know about the ethical Swedish company sale! I've just hit up the Black Friday sales on a few of my favourite sites, it's the only time I can afford ethical clothing!

    Impressed by how well your targets are going, I might nick your idea in the new year if that's ok?
    Last edited by debtfreeforlife; 28-11-2017 at 4:18 PM.
    GC Nov 17: £136.08/£200 Oct 17: £225.07/£200
    2017 MFW #130 £6599.86/£250
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 28th Nov 17, 7:03 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Hi dffl, no apologies necessary here, we all have real lives.

    The job is going well, but imposter syndrome is going to be with me for a good long while yet.

    You are right, lovely blips, and even more lovely when they arrive.

    Feel free to steal what ever you find useful, we're all in this together.

    Thank you for your encouraging post.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 28th Nov 17, 7:08 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Evening all,

    Should be a brief update from me tonight...

    Nsd
    2 Christmas notebook covers made
    Nut free marzipan alternative chilling in the fridge
    Pre paid Chinese to look forward to.
    Half a day at work
    No supply

    Wish

    Update on day 27

    MSE NOVEMBER GOALS

    1)MOP pot total of £276.10
    Target 1: interest accrued £73.99/£73.99 ✅
    Target 2: next 1% paid £2.11/£2.11✅
    Target 3: £400 capital reduction £32.36/£100
    Target 4: £500 capital reduction 0/£100

    2) new sling fund £40/£110

    3) surveys, cashback etc £20.59/£30
    £0.09 Qm33
    £15.00 - VO
    £5.50 - Sh0pmium

    4) Nsds 12/13
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 29th Nov 17, 10:19 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Evening all,

    Another nsd today, so that's target me (woop woop) I'm wondering now if I can have a nsd tomorrow too (should be totally possible) and then I'll beat my target and make December a particular challenge.

    Also sold a couple of items today (at last) so that's £4 into the 'extra earnings' pot. Going to attack pa and Qm33 now to see if I can boost the mop pot, really don't think I'm going to make target 3, let alone target 2 and I need some bigger things to sell to be able to fill the sling fund. Oh well, December is a new month. Looking forward to every one's end of the month, start of the month round ups over the next couple of days.
    Wish

    Update on day 29

    MSE NOVEMBER GOALS

    1)MOP pot total of £276.10
    Target 1: interest accrued £73.99/£73.99 ✅
    Target 2: next 1% paid £2.11/£2.11✅
    Target 3: £400 capital reduction £36.36/£100
    Target 4: £500 capital reduction 0/£100

    2) new sling fund £40/£110

    3) surveys, cashback etc £24.59/£30
    £0.09 Qm33
    £15.00 - VO
    £5.50 - Sh0pmium
    £4.00 - fb sale

    4) Nsds 13/13✅
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 30th Nov 17, 5:57 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    Evening all, going to do my daily round up now, then will pop back later with the monthly one. (When I get my calculator out.

    Today's highlights.
    Nsd - woop woop
    Pickle poorly (booooo, had to pick him up early from the childminder then he vommed over his tea - grim)
    Need to readjust the level at which I consider an event at work a 'crisis' as there seems to be a crises everyday I work. These are now relabelled as 'events'.
    Hubby not coming home tomorrow, has been called to work all weekend. He is definitely coming home Sunday as he's working for a different client on Monday.

    I'll be back later.
    Wish

    Update on day 30

    MSE NOVEMBER GOALS

    1)MOP pot total of £276.10
    Target 1: interest accrued £73.99/£73.99 ✅
    Target 2: next 1% paid £2.11/£2.11✅
    Target 3: £400 capital reduction £36.36/£100
    Target 4: £500 capital reduction 0/£100

    2) new sling fund £40/£110

    3) surveys, cashback etc £24.59/£30
    £0.09 Qm33
    £15.00 - VO
    £5.50 - Sh0pmium
    £4.00 - fb sale

    4) Nsds 14/13✅
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 30th Nov 17, 8:26 PM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    November update
    Here we are with November's round up...

    MSE NOVEMBER GOALS

    Reduce mortgage capital by £500
    Only #400 this month, but no generous parents giving the mop pot a bit of a boost I have still managed to achieve 3 out of my 4 mini targets for November. A last minute cash out of PA & Qm33, underspends in grocery, house hold & fuel pots and a sneaky tilly tidy to the mop pot fund from the christmas fund got us up to a nice round figure for the mortgage before the interest is added tomorrow and the monthly direct debit is taken off.


    Sling fund to reach £110
    (£40 already in the pot) this has not been added to due to the failure to sell many things, I really need to put my big girl pants on and brave 3bay. ( I have bought a wrap though, for which I raided the Emergency fund - which is bad, but hey ho, it's only money.

    Make £30 from surveys, cashback etc
    #36.60
    Broken down as follows:
    Qmee - 38p
    VO - #15.oo
    Shopm1um - #5.50
    PA - #11.72
    FB sale - #4.00


    13 NSDs
    14 achieved - going 1 higher this month

    The mortgage situation
    Opening balance: £35,500
    Interest added: £73.99
    Standard payment: £297.89
    Mop pot: £176.10
    Closing Balance: £35,100
    Difference -£400

    Savings pots
    Emergency Fund: £555.41 -£696.26 - funding tax free childcare account - new wrap & clothes purchases (ok, wrap & clothes are not emergencies, but I'm not in debt, hubby has an emergency fund too, and I'm due work expenses that will cover much of the wrap/clothes money
    Annual Clean Fund: £70 £0 5 monday month so no spare to put in this pot
    Wool Fund: £19 £0 too busy knitting with what I've got.

    Household Expenses
    Groceries: £208.35/£250 - Not bad for a 5 week month (for shopping)
    Household Goods: £88.27/£100
    Spending Money: £89.02/£100 (but if we add the wrap & the clothes in here.. way way way overbudget...)
    Restaurants: £83.54/£100
    Stuff I'll forget: £126.75/£100 deposit for Christmas meal - I've paid everyone's, so I'll get it back either in cash, or I won't have to pay for our meal next week.& Toy storage for Pickle - I've just bought the boxes, agreed with hubby we'd go and get the units this month.
    Fuel: £60.11/70 - sooo much better this month and that's with a work trip & a trip to my parents. We're away over Christmas so will go in hubby's car. Don't think I'll get away with not filling up at all this month, but you never know.

    MSE December Goals

    1) Reduce Mortgage capital by #600
    This is massive and very likely unachievable, especially as it's Christmas, once the interest has been added tomorrow, I'll break it down into small steps - #400 in the minimum capital reduction which keeps us on track for our current mortgage free date

    2) Emergency fund back up to #700.
    I add a small amount to my Emergency fund each month anyway. Taking that into account I need to find another #92.24 to hit target. (Oh, and it's Christmas.....)

    3) Surveys, cashback, sales etc. #50 not really enough to hit the mop pot and the EF targets, but i need some achievable targets.

    4) 15 NSDs - 1 more than this month

    (the sling fund is still bubbling away, but 4 targets is enough. I'm going to have a think about some 2018 targets over December. Any suggestions??

    Wiah
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Dec 17, 8:53 AM
    • 651 Posts
    • 2,592 Thanks
    wishingthemortgaheaway
    1st of the month and the mortgage interest has been added, so I can tie down my targets.

    MSE December Goals

    1) Reduce Mortgage capital by £600
    Target 1: interest added £0/£70.66
    Target 2: next brick on the house £0/£2.11
    Target 3: £400 capital reduction £0/£100
    Target 4: £500 capital reduction £0/£100
    Target 5: £600 capital reduction £0/£100

    2) Emergency fund back up to £700
    £0/£92.74

    3) Surveys, cashback, sales etc. £0/£50

    4) 15 NSDs
    0/15
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • museumworker
    • By museumworker 1st Dec 17, 11:34 PM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    Excellent number of NSDs, and hitting three out of four targets is very good going.
    Best of luck for December... I’m also a bit worried about how Christmas might impact on my budget!
    Mortgage 16/03/2011: £190K 01/01/2017: £107,729.65 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
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