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  • FIRST POST
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Jul 17, 7:39 PM
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    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 17
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 2nd Jan 18, 6:45 AM
    • 816 Posts
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    wishingthemortgaheaway
    Mortgage interest has been added for the month - £72.25 balance after monthly payment, but before January's overpayments currently £34,524.36. Mop pot target breakdown below...

    MSE January Goals
    1) £210 Mop pot
    Target 1 - overpay interest amount: £9.00/£72.25
    Target 2 - next brick on the count down house: 0/£52.11
    Target 3 - £210 total overpayment: 0/£85.64

    2) EF to £2000
    £35/£150 for January.

    3) £2 coin challenge - will report at the end of the year.

    4) NSD challenge
    1/15

    5) jean challenge, will document monthly not daily.
    Last edited by wishingthemortgaheaway; 02-01-2018 at 8:28 AM. Reason: Forgot I had already budgeted money towards the EF
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 2nd Jan 18, 7:11 PM
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    • 3,602 Thanks
    wishingthemortgaheaway
    Food shop day today and hubby took Pickle out while I did it, so I got to the food shopping on my own... it was as near to bliss as food shopping can get.
    I came in well under the my supermarket estimate thanks to Ald! Being cheaper than mr A. I did have to do an emergency trip out just before tea as hubby decided he wanted to make brownies and we were lacking in caster sugar. Still a weekly shop for under £40 is not to be sneezed at. I have, of coursed Tilly tidied the grocery pot to the mop pot.

    I've also begun a sour dough starter today, lets see how long I can keep it alive....

    Other than that, very little achieved today, need to be more productive tomorrow, including a massive amount of cleaner proofing the house before she comes on Thursday.

    We've not decided what to do tomorrow, but as we're in the outer edges of storm Eleanor, I don't want to head far, and the wildlife park is definitely out. We do need a trip to the blue & yellow pleasure palace this week, so that could be an option for tomorrow.

    Enough waffling from me, updates below.


    MSE January Goals
    1) £210 Mop pot
    Target 1 - overpay interest amount: £11.45/£72.25
    Target 2 - next brick on the count down house: 0/£52.11
    Target 3 - £210 total overpayment: 0/£85.64

    2) EF to £2000
    £35/£150 for January.

    3) £2 coin challenge - will report at the end of the year.

    4) NSD challenge
    1/15

    5) jean challenge, will document monthly not daily.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • pinkypig
    • By pinkypig 3rd Jan 18, 11:11 AM
    • 869 Posts
    • 7,520 Thanks
    pinkypig
    Happy New Year Wish

    Your goals are looking good and coherent unlike mine that are still swarming around in my head!

    I love sour dough. How do you make your starter?

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 3rd Jan 18, 8:20 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    Happy New Year Wish

    Your goals are looking good and coherent unlike mine that are still swarming around in my head!

    I love sour dough. How do you make your starter?

    PP xx
    Originally posted by pinkypig
    Happy new year PP.

    I had a couple of long car journeys over Christmas where I really thought about 2018. Hubby was a little intrigued why I was numbering the rest of the pages in, what he saw as a notebook, no love, it's my life, my bullet journal, my brain on paper. Having cohearent plans is one thing. Sticking to them is quite another.

    The sourdough starter is from the 'Bread Ahead' bakery book (bakery in Borough market)
    Day 1 50g rye flour, 50g water, mix and cover with a tea towel.
    Days 2,3,4,5 1tbsp of rye flour, 1 tbsp of water, mix and cover with a towel.

    Yesterday (day1) it was like a really
    Bad wall paper paste,this evening it already look more like day old wheetabix.
    We'll see what happens. It does mean I could be looking for 'starter sitters' when we go away. If he survives his first week, I shall name him - suggestions please.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 3rd Jan 18, 8:29 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    Evening all,
    Today has not been an nsd.
    We went to the blue & yellow pleasure palace. 2 lots of toy storage for Pickle (to house the toy boxes I bought a couple of months ago) and a bookcase for the upstairs landing to house Pickle's growing library. Obviously we added a few random bits to the trolley (hubby came too, no way could I have lifted the boxes on my own) and a couple of friends asked us to pick a few bits up, some of which we have already been reimbursed for.
    The toy storage is up and in use. Bookcase just needs the back pinning on, but that needs to wait as Pickle is asleep. Can't wait to fill it.

    So, nothing to Tilly Tidy as round pounds only spent today. Not an nsd, no cash outs or sales so no updates. Boo hooo.

    Must try harder tomorrow.


    MSE January Goals
    1) £210 Mop pot
    Target 1 - overpay interest amount: £11.45/£72.25
    Target 2 - next brick on the count down house: 0/£52.11
    Target 3 - £210 total overpayment: 0/£85.64

    2) EF to £2000
    £35/£150 for January.

    3) £2 coin challenge - will report at the end of the year.

    4) NSD challenge
    1/15

    5) jean challenge, will document monthly not daily.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th Jan 18, 7:18 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    Today has been a nsd (for me, according to my rules) and has been productive.

    I've blitzed more of the house, hubby has finished the bookcase from yesterday's shopping trip. We've ordered Pickle's new wardrobe (Crimbo present from both sets of Grandparents and great auntie/uncle)

    I've made a chilli with cornbread topping, first time I've made it and it's gone down well with the other members of the family. It's not the cheapest thing to make as hubby bought the cornmeal in h&b (the health food one!!!) Pickle declared 'nice cake mmmm' when he ate it.

    I've photographed the contents of some of Pickle's toy boxes ready to make the labels and will finish the rest tomorrow. I just hope I've got some laminating pouches left from my teacher days.

    This evening is knitting, knitting and more knitting, baby due date (for friend) is inching ever closer.

    Nothing much to update below, just on track for nsds for this month at the moment.

    MSE January Goals
    1) £210 Mop pot
    Target 1 - overpay interest amount: £11.45/£72.25
    Target 2 - next brick on the count down house: 0/£52.11
    Target 3 - £210 total overpayment: 0/£85.64

    2) EF to £2000
    £35/£150 for January.

    3) £2 coin challenge - will report at the end of the year.

    4) NSD challenge
    2/15

    5) jean challenge, will document monthly not daily.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • pinkypig
    • By pinkypig 4th Jan 18, 8:44 PM
    • 869 Posts
    • 7,520 Thanks
    pinkypig
    Nsd and a good sort out - mfw heaven
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th Jan 18, 9:38 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    Nsd and a good sort out - mfw heaven
    Originally posted by pinkypig
    And long may it continue.
    I neeeed to declutter my house. It's bursting at the seams. I've set a target of doing a car boot sale in April, so I want it all sorted for then.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Jan 18, 7:04 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    Another successful mfw day today. A Nsd (by my rules) I did sort out Pickle's next block of swimming lessons, but that counts in the direct debit section of my budget, so isn't a 'day to day spend'.

    I've joined the flylady thread on the os board. I've done some flyladying before, but found it a bit overwhelming. I love the simplicity and manageability of the os flylady thread and I've been welcomed into the fold over there. I'm going to bullet journal the flylady tasks I'm going to do and report on how many of those tasks I achieve. (Going to add it to my goals below rather than always post on the thread)

    We had a terrible night with Pickle last night, but actually managed to achieve a few house jobs today. We have finally taken down the Christmas Decs, I would have done them last week, but hubby insisted they stayed up this week. At least they are away now.

    Hubby is away Tuesday night and Wednesday night next week, so I'm planning on using Tuesday night to have another blitz in the cellar and Wednesday night to start pricing up some car boot stuff. I might post it for sale on the boot sale app or fb in the meantime, see if I can sell it earlier than April.

    Pickle's wardrobe has been emptied, hubby is going to dismantle it while we're at a birthday party tomorrow, the new one is arriving on Tuesday. (And doesn't need constructing, just the door handles turning round apparently.)

    I made a small paella for tea tonight, enough for the 3 or us and 1 extra Pickle
    Size portion for Pickle tomorrow night (when we have something he can't have) it tasted lovely, Pickle asked for more and I made a small Paella, I usually end up massively over catering so really pleased with this.

    Massively waffling tonight, but all is now quiet in Pickle's room, so I should be safe to do some more BUllet journal tasks now.


    Happy saving one and all

    Wish.
    MSE January Goals
    1) £210 Mop pot
    Target 1 - overpay interest amount: £11.45/£72.25
    Target 2 - next brick on the count down house: 0/£52.11
    Target 3 - £210 total overpayment: 0/£85.64

    2) EF to £2000
    £35/£150 for January.

    3) £2 coin challenge - will report at the end of the year.

    4) NSD challenge
    3/15

    5) jean challenge, will document monthly not daily.

    6) Bullet journal tasks completed.
    14/14 - ✅ first day motivation I'm sure.
    Last edited by wishingthemortgaheaway; 05-01-2018 at 8:41 PM.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • pinkypig
    • By pinkypig 5th Jan 18, 8:36 PM
    • 869 Posts
    • 7,520 Thanks
    pinkypig
    That's a very productive day for someone whose had a rubbish night - well done you

    Have a lovely weekend xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Jan 18, 8:41 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    That's a very productive day for someone whose had a rubbish night - well done you

    Have a lovely weekend xx
    Originally posted by pinkypig

    Thanks Pp. you too.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Jan 18, 8:11 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    Lovely day today, party for a friend's little girl this morning. Pickle had a fab time and then a trip to the park this afternoon. Brisk walk in the cold, winter sun, coffee in the nice coffee shop and a play on the swings.
    Stopped off at mr T's on the way home, milk (told hubby we'd need more) a new toastie machine (£23 - been on hubby's wish list for a while) and 100 A3 laminating pouches for £9.50 - 100 A4 ones were £10, so the A3 were a bargain, and I won't go through them as quickly as I'm not teaching anymore. I need to make the labels for Pickle's toy boxes which is why I need more pouches.

    Tomorrow is a baby group meet up at soft play. Thankfully I've managed to persuade them to change venue. The one initially chosen would have cost us £17 entry. The one we are now going to is only £6.
    I always feel very poor and subsequently 'cheap' around this group. The rest are all high flying, very well paid professionals. We could keep up with their spending (one some things) if we wanted to, but I don't want to. And it feels like I come across as tight fisted when I say I don't want to spend the money they would happily do without thinking. I know it's all about priorities, but I sometimes feel judged. I'm sure we'll have a good time tomorrow, but urgh I hate feeling this way. I'm actually happy with the way we do things, but it's hard to explain to people who don't see things the same way as we do sometimes.

    Enough from me. I need to crack on with my knitting now my chores are all done.

    Updates below.

    Wish.
    MSE January Goals
    1) £210 Mop pot
    Target 1 - overpay interest amount: £12.36/£72.25
    Target 2 - next brick on the count down house: 0/£52.11
    Target 3 - £210 total overpayment: 0/£85.64

    2) EF to £2000
    £35/£150 for January.

    3) £2 coin challenge - will report at the end of the year.

    4) NSD challenge
    3/15

    5) jean challenge, will document monthly not daily.

    6) Bullet journal tasks completed.
    7/7 ✅ It seems reporting my progress means I set a realistic to do list.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • Elephantchunks
    • By Elephantchunks 6th Jan 18, 11:32 PM
    • 126 Posts
    • 662 Thanks
    Elephantchunks
    Fab diary Wish! And Thank you, I'd never heard of bullet journals before. I'm going to dig a pretty notebook out of my unpacked boxes tomorrow. What sort of pages do you keep in yours?
    Live a lot. Love a few. Always paddle your own canoe.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Jan 18, 5:44 AM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    Fab diary Wish! And Thank you, I'd never heard of bullet journals before. I'm going to dig a pretty notebook out of my unpacked boxes tomorrow. What sort of pages do you keep in yours?
    Originally posted by Elephantchunks
    Thank you for coming to visit. I only started bullet journaling after reading about it here. So, I'm still on my first notebook and still refining my technique.

    I've got the index page at the front.
    Then I've also used:

    The 6 monthly/annual overview. Here (for 2018) I've recorded by targets for my mortgage overpayments, emergency fund additions. Rooms to deep clean & declutter, one off things I want/need to do (e.g. A car boot sale in April), I've also added things so I prep for Christmas in a sensible fashion next year (cake in October, mincemeat November, jam in September, ice the cake in December.

    Monthly overview (so 1 line for each day in the month) are mostly used for meal planning, but down the right hand side I have a little code for my working days (w - hardly imaginative) and hubby's days when he's not around for tea (again very uninspiring T) this stops me planning highly fiddly time consuming meals when I have no time.
    The day per line takes up about 1.5 sides in a double spread, so I have my monthly to do list on the last half of the page. I copy over the tasks from the annual overview and add any extras that I know need to happen in the month.
    Next comes my daily 'to do lists' if I don't get something done on the day, I don't rewrite it on the next day's list, it just sits in its original list until it's done (and if I don't actually do it, the. It obviously doesn't really need doing)
    Somebody on the flylady thread yesterday said about having a page for
    Birthdays/events, which is a brilliant idea, because I'm rubbish, so I'm currently working on this - basically and annual overview page and writing the person's name in on each page. Working from the back of the journal I have a section where I write my (food) shopping lists- I know this isn't how the journal advocates say it should work, but it works for me.

    I only write in the index for the 1 off pages, for the current annual, monthly, daily & food shop pages I have a post it note page marker so I can find the pages easily.

    1 off pages, which are indexed in the contents page, have included
    Christmas present list
    Blue and yellow pleasure palace shopping & aisle location list
    Project planning for work (only work thing that I have used it for)
    Lots of other things too.

    I didn't number all my pages at the start, I did about 100 pages to start, then did the rest over a couple of long car journeys.

    Looking forward to taking inspiration from your pages Elephant Chunks.

    Hope this helps.
    (Little one finally back to sleep now, so snooze time for me too - night all)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • Elephantchunks
    • By Elephantchunks 7th Jan 18, 1:49 PM
    • 126 Posts
    • 662 Thanks
    Elephantchunks
    Thank you so much for the detailed reply! It's definitely given me food for thought. You're right about doing it the way that works for you if the 'correct' way doesn't. This should help me as I can be very forgetful and my many handbag lists just get written and not re-read. Excited!
    Live a lot. Love a few. Always paddle your own canoe.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Jan 18, 7:19 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    Thank you so much for the detailed reply! It's definitely given me food for thought. You're right about doing it the way that works for you if the 'correct' way doesn't. This should help me as I can be very forgetful and my many handbag lists just get written and not re-read. Excited!
    Originally posted by Elephantchunks
    You are welcome ElephantChunks. It definitely keeps me on track with my life and is constantly evolving to keep up with my changing life.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Jan 18, 7:27 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    So today is nearly over and so is week one of 2018 and no disasters so far. We're back to 'normal' this week, not that our family life is normal due to both hubby and my working lives. But Pickle returns to his swimming lesson tomorrow and the Childminder's on Tuesday.

    This morning we met up with some of our baby group friends at the soft play. £5 spent (rather than the £17 it would have cost us at the soft play centre originally suggested) Pickle had a fab time - and so did Daddy on the quiet. It was good to catch up with all the little ones and their families too.

    We had another terrible night with Pickle. He finally went back to sleep at 5am and then didn't wake until 9, this meant he didn't nap this afternoon. He's in bed and asleep now, let's see what tonight is like.

    I'm onto my last ball of wool for the baby blanket I'm making, so I'm hoping I'll get that finished this week then return to a previous project that needs finishing for February. So, I'm off now, to knit. I'll read diaries when I'm in bed later.

    MSE January Goals
    1) £210 Mop pot
    Target 1 - overpay interest amount: £12.36/£72.25
    Target 2 - next brick on the count down house: 0/£52.11
    Target 3 - £210 total overpayment: 0/£85.64

    2) EF to £2000
    £35/£150 for January.

    3) £2 coin challenge - will report at the end of the year.

    4) NSD challenge
    3/15

    5) jean challenge, will document monthly not daily.

    6) Bullet journal tasks completed.
    7/7 ✅ 3/3 days I've completed all of my journal jobs.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 8th Jan 18, 6:42 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    i am shattered tonight. I've not done that much today really. All the washing (4 loads I think) done and hung on the airers in the bathroom. Taken Pickle swimming. Finished the baby blanket I was making for a friend (will get it wrapped up and ready to post by the end of the week) made tea. Played with Pickle, swapped the car seat back into my car and cleared the rubbish out of it.
    All cleared up from tea, nappy bin emptied and Pickle currently in the bath with hubby supervising.
    I think I may just veg out once he's in bed. I think we are sorted for 'back to work' tomorrow. Back packed for the child minder's. Nappies & wipes ready to top up her supply, clothes for Pickle out.
    Hubby is being picked up at 5am for a London trip, so I can't imagine we'll oversleep (although I going to set an alarm just in case).

    In mse news. A nsd, but my mobile bill has been generated, so a small Tilly tidy to the mop pot. Cleaner didn't come today, I'll not move that money over as she may come later in the week. If she doesn't come, I'll have hit my £150 target to pay for a commercial deep clean come the summer (I should have this money by the end of Feb anyway as Feb is a 4 Monday month, not a 5 Monday one. ) once this is achieved, any 'spare'
    Cleaning money gets diverted to the EF.

    Right. Bath time over... updates

    MSE January Goals
    1) £210 Mop pot
    Target 1 - overpay interest amount: £13.12/£72.25
    Target 2 - next brick on the count down house: 0/£52.11
    Target 3 - £210 total overpayment: 0/£85.64

    2) EF to £2000
    £35/£150 for January.

    3) £2 coin challenge - will report at the end of the year.

    4) NSD challenge
    4/15

    5) jean challenge, will document monthly not daily.

    6) Bullet journal tasks completed.
    11/11✅ 4/4 days I've completed all of my journal jobs.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Jan 18, 8:32 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    Well the flylady thread is definitely spurring me on, by the time I got back from dropping Pickle at the Childminder's I only had the living room to hoover and my living room was spotless. I am so happy sat in here tonight. Just the rest of the house to go now, but at least I can come back to this space and feel calm.

    Pickle's wardrobe has been delivered, so as long as I don't get a call for work tomorrow, my focus is on sorting his room out, putting all his clothes away and removing things he's grown out of.

    Today has been a nsd which I'm happy with. And tea was lots of veg roasted with paprika and a tiny amount of chicken. It was actually really nice.

    I'm not going to get any knitting done tonight, but that's ok, tomorrow is a new day. I wonder what it holds?

    MSE January Goals
    1) £210 Mop pot
    Target 1 - overpay interest amount: £13.12/£72.25
    Target 2 - next brick on the count down house: 0/£52.11
    Target 3 - £210 total overpayment: 0/£85.64

    2) EF to £2000
    £35/£150 for January.

    3) £2 coin challenge - will report at the end of the year.

    4) NSD challenge
    5/15

    5) jean challenge, will document monthly not daily.

    6) Bullet journal tasks completed.
    19/21 tasks
    4/5 days all tasks completed.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th Jan 18, 7:32 PM
    • 816 Posts
    • 3,602 Thanks
    wishingthemortgaheaway
    Well today was a day for flying (flylady style...) so now, not only is my living beautiful, clean and decluttered, so is Pickle's bedroom and our bedroom is clean and clutter free (on the surface, that gets its deep clean an declutter another month)

    Today hasn't been a nsd-
    The man came to measure and quote for a new track for the living room blinds. One of the bay window tracks is bust £57 is a bit more than I hoped it would be (hoping for £40 ish) but not unmanageable. I've paid a £30 deposit and the rest of the money is sorted, in cash ready to give them when they come back in a couple of weeks.
    I then had to pop to mr T's. Thanks to my incompetence in the blue and yellow pleasure palace a few weeks ago, I had a brand new, single sheet to go on our double bed. Oops. So bought a new one - paid £3 extra to have 100%cotton though. I also picked up 2 lots of 5% mincemeat and a pack of stewing steak (3 for £10 deal). I lot of mince in the freezer, 1 for tomorrow's lasagne and the stewing steak for a moo pie for the weekend.

    I will need to go food shopping friday or Saturday, but I've put off having to go tomorrow now, so planning for a nsd.

    Sounds like Pickle is now asleep, so I can crack on with my evening jobs.

    Night all...

    MSE January Goals
    1) £210 Mop pot
    Target 1 - overpay interest amount: £13.12/£72.25
    Target 2 - next brick on the count down house: 0/£52.11
    Target 3 - £210 total overpayment: 0/£85.64

    2) EF to £2000
    £35/£150 for January.

    3) £2 coin challenge - will report at the end of the year.

    4) NSD challenge
    5/15

    5) jean challenge, will document monthly not daily.

    6) Bullet journal tasks completed.
    21/21
    5/6 days all tasks completed.
    Last edited by wishingthemortgaheaway; 10-01-2018 at 10:11 PM. Reason: Completed
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2025
    MFW 2018 Challenge Member #162 0/£2,500
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