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  • FIRST POST
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Jul 17, 7:39 PM
    • 295Posts
    • 1,211Thanks
    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 5
    • Poorlittletightgirl
    • By Poorlittletightgirl 31st Aug 17, 10:28 PM
    • 23 Posts
    • 65 Thanks
    Poorlittletightgirl
    Good luck with your September goals Wish, you have done amazing in your first month, to say you've been out of practice!
    • Mummy_bear
    • By Mummy_bear 1st Sep 17, 7:59 AM
    • 198 Posts
    • 789 Thanks
    Mummy_bear
    Fantastic goal achievements for August

    You will totally smash September targets too.

    Love the house colouring idea.

    I did something similar for my running goals. Come to think of it it really was a good motivator, must do it again as I really need to get exercising again.
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £4434.13/£37139.86 11.93% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £2823.49/£9091.72 31% paid
    • newgirly
    • By newgirly 1st Sep 17, 9:39 AM
    • 5,770 Posts
    • 39,500 Thanks
    newgirly
    Hi, just read your whole diary through and wanted to wish you all the best with it

    What did you decide to do about the cleaner? I don't think £10 ph is excessively cheap, I'm in London and have friends who are cleaners who charge between £9-13 ph (depending on the client, they are often softies and charge the elderly less!) either way you should be getting what you are paying for.

    On another note £100pm equates to an awful lot of surveys

    Anyway all the best!
    MFW 21
    Target for 2017 £38,545 / £14,264 paid so far

    Mortgage £47,330 4 years 8 months left. Total owed £63,993 planning to clear in 24 months
    WW target - 29.5 lb start date 11/5/17 so far 16.5lb lost.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Sep 17, 7:50 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    Hi, just read your whole diary through and wanted to wish you all the best with it

    What did you decide to do about the cleaner? I don't think £10 ph is excessively cheap, I'm in London and have friends who are cleaners who charge between £9-13 ph (depending on the client, they are often softies and charge the elderly less!) either way you should be getting what you are paying for.

    On another note £100pm equates to an awful lot of surveys

    Anyway all the best!
    Originally posted by newgirly

    Thank you for dropping by and well done for wading through all my drivel, brevity is not a strength of mine.

    We're sticking with the cleaner for the regular cleans, but not the deep cleans, by saving the 'extra' from a 4 week month and when she doesn't come due to family circumstances we'll pay a more commercial company to do a deep clean. So far there's £120 in the pot, but I need to declutter first, great motivation.

    The 'survey' pot is surveys, roaml3r tasks, shopm1um cash back and other incidental 'earnings' it's been a slow week on the survey front, but VO has gone a bit crazy this evening.

    Wish
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Sep 17, 7:52 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    Fantastic goal achievements for August

    You will totally smash September targets too.

    Love the house colouring idea.

    I did something similar for my running goals. Come to think of it it really was a good motivator, must do it again as I really need to get exercising again.
    Originally posted by Mummy_bear

    Thank you, if the rest of the year carries on like August, I may make my blocks £400 each, still do 100 of them, but colour in a big block to start with. I really want this mortgage gone.
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Sep 17, 7:55 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    Good luck with your September goals Wish, you have done amazing in your first month, to say you've been out of practice!
    Originally posted by Poorlittletightgirl
    Thank you, it is practice and mindset, I just need to find a good balance, it felt like a full time job in the supermarket today, checking my supermarket for what I was buying there, sorting out what I wanted from the Shopm1um list and seeing if I could do any Roaml3r tasks, checking for ys meat. Then scanning products and photographing recipes at home, updating ynab. Think I went a bit crazy today. But, it will be worth it when this mortgage is history (I'm not thinking about the fact we'll probably take out an even bigger mortgage after this. )
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Sep 17, 8:20 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    This morning was the first of the month money shuffle, the biggest bills were paid and the left overs from the pots added to the mop pot. Friend repaid me for the suit dry cleaning, so used the odd £s to buy a coffee while out with friends today and the £10 went to the mop pot.

    This afternoon was food shopping, it was a bit crazy as I was juggling too many things and didn't bring a £ or a trolley token so was trying to manage with a basket. Still, I managed to pick up 3x 1kg 5% fat mince meat which I portioned into 12 lots before putting in the freezer at home. I spent £51 total, but some will come back from Shopm1um.

    I didn't win any coins on the receipt h0g draw this month (boo hiss) but hey, there's always next time.

    I've done some mortgage number crunching (after this month's interest has been added and standard payment made. I need a mop pot of £147.11 to hit the £445 capital reduction target and £153.96 to make the resulting mortgage balance a nice round number. Therefore, I'm going to set my mop pot target at £150, an average of £5 a day - bring on the challenge.

    Here are the updates for day 1


    MSE SEPTEMBER GOALS

    1) reduce mortgage capital by £445.00
    £17.84/£150
    2) cash out £30 on surveys/mystery shopping/cashback etc
    £2.90/£30 (Shopm1um: £2.30)
    3) 30 lots of decluttering/organising
    0/30 (but is next on my to do list)

    Have a lovely evening

    Wish
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • pinkypig
    • By pinkypig 1st Sep 17, 10:24 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Great to get a money shuffle done - I look forward to mine so much. Think I need to get out more
    Good luck with your September targets.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 2nd Sep 17, 7:26 AM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    Noooo don't go out more pp, that costs money.
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 2nd Sep 17, 7:04 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    i feel like a proper today, I spent last night house insurance hunting as we've had our renewal through. I couldn't get it cheaper than our renewal quote, even with cashback. This morning I rang them up saying 'is this the best you can really do?' And hey presto, discount applied, its £9 more than last year, but I think that's the rise in insurance premium tax.
    This is how it's worked financially:
    Ynab pot for house insurance: £600
    Policy cost: £224
    Mop pot:£6
    Emergency fund: £70
    Transfer to car insurance pot £300 (hubby just bought a new, posh, expensive car, insurance will go up in February, so hopefully I've managed to cover any potential short fall already.

    Other than that a nsd: mooches round the house this morning. Made biscuits with Pickle (only suitable/hygienic enough for him to eat!). Then the park this afternoon and we didn't even have an ice cream.

    All in all a very successful MSE day.

    Sunday
    Hubby's washing: he's home tonight and off away again tomorrow. The only evidence I will have for him being here is the trail of washing and mess he'll leave me.
    Spag Bol for lunch/tea
    Decluttering task
    Rest!

    MSE SEPTEMBER GOALS

    1) reduce mortgage capital by £445.00
    £35.50/£150
    2) cash out £30 on surveys/mystery shopping/cashback etc
    £2.90/£30 (Shopm1um: £2.90)
    3) 30 lots of decluttering/organising
    1/30 I repaired the broken toys and returned them to their homes.

    Have a lovely evening

    Wish
    Last edited by wishingthemortgaheaway; 02-09-2017 at 7:06 PM.
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 3rd Sep 17, 7:11 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    Another nsd today. Woop woop 2 in a row. It had the potential to be 3, until parents decided to visit and stay to tea. I don't cook when hubby is away, just nuke something from the batch cooked stash. So I'll nip the Ald1 first thing a bung a huge chicken casserole in the slow cooker so, not only will it feed us tomorrow, I'll have some to stash.

    Lazy day really, hubby in the house for around 15 hours total and he did indeed leave a trail of destruction behind him. So, that's tonight's job as the cleaner is due tomorrow.

    Just need Puckle to actually close his eyes and go to sleep so I can crack on.

    The only other mse news is my mobile bill was generated today so I ynabed it and Tilly tidied the pot to empty it.

    How's everyone's Sunday going?

    Updates below.


    Sunday
    Hubby's washing: he's home tonight and off away again tomorrow. The only n evidence I will have for him being here is the trail of washing and mess he'll leave me. ✅
    Spag Bol for lunch/tea ✅
    Decluttering task ✅
    Rest! ✅ (this afternoon I did, but this evening's going to be crazy now. )


    Monday
    Washing urgh!!
    Prep slow cooker for tea
    Knitting


    MSE SEPTEMBER GOALS

    1) reduce mortgage capital by £445.00
    £35.77/£150
    2) cash out £30 on surveys/mystery shopping/cashback etc
    £2.90/£30 (Shopm1um: £2.90)
    3) 30 lots of decluttering/organising
    3/30 Shelves in the front room and black hole behind the tv

    Have a lovely evening

    Wish
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • pinkypig
    • By pinkypig 3rd Sep 17, 9:20 PM
    • 582 Posts
    • 5,806 Thanks
    pinkypig
    Noooo don't go out more pp, that costs money.
    Originally posted by wishingthemortgaheaway
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th Sep 17, 6:18 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    flew to Ald1 first thing this morning £7.14 from the grocery budget to buy everything needed for an enormous chicken casserole. It's fed me, Pickle and my mum and dad and the slow cooker still looks full. This is going to be way less than £1 a portion. Tilly tidied odd pennies in grocery budget to mop pot

    Life insurance paid today, emptied remaining money from YNAB pot into mop pot

    £1.95 cashback from shopm1um received so mop potted that too.

    Not a bad mse day at all.

    Updates below.

    Monday
    Washing - need to carry on now Pickle is asleep
    Prep slow cooker for tea ✅
    Knitting ✅ and mum took a project I've been struggling with away with her to do for me. Win!

    Tuesday
    Post parcel
    Put dry washing away
    Spend an hour sorting the loft
    Avoid bake off until I collect my bake along hamper (hubby away, so can't make it this week)

    MSE SEPTEMBER GOALS

    1) reduce mortgage capital by £445.00
    £42.82/£150
    2) cash out £30 on surveys/mystery shopping/cashback etc
    £4.85/£30 (Shopm1um: £4.85)
    3) 30 lots of decluttering/organising
    5/30 precarious pile in Pickle's room & top of cellar steps

    Have a lovely evening

    Wish
    Last edited by wishingthemortgaheaway; 04-09-2017 at 9:33 PM. Reason: Fat fingers.
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Sep 17, 6:59 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    £2.90 to post a parcel & £1.20 for a couple of bits for a friend we were visiting for a play date today were my cash spends today (all recorded on the appropriate page of my bullet journal) then a £5.95 payment for the bacon subscription are what made today a spend day rather than a nsd. This means I've got nothing to Tilly tidy into the mop pot. However, to hit my target for the month, I need an average of £5 per day, so I'm ahead at the moment. I can cope with that.
    Tomorrow should!! Be a nsd, let's see.

    Hubby on his way home for another brief stop off before heading to somewhere else tomorrow. He wasn't meant to be home until later, but rang saying they'd finished sooner than expected and he was on his way home. He also declared he'd want feeding. So I've had to magic an unplanned meal up with the only veg in the house being tinned tomatoes and fresh mushrooms. I could feed him a batch cooked freezer meal, but he's not fond of them, think it's a child hood thing. Oh well. All from the stores so no unplanned spending.

    The plus side to this is that I might make it to the bake off gathering tonight. Even if he walks in the door at 7:55 I'm going! He's been away for a fortnight. I need to leave my house alone.

    Updates below. (Not that there is much to report)

    Tuesday
    Post parcel✅
    Put dry washing away✅
    Spend an hour sorting the loft - if I don't go to bake off I'll do this. ✅he didn't make it home in time so in the loft I went
    Avoid bake off until I collect my bake along hamper - might not need to! ✅avoided so far, logged out of bookface, Bake away has been delivered, biscuits are acceptable for breakfast right?

    Wednesday
    Washing - as always!
    Sort through baby stuff to lend to a colleague of hubby's

    MSE SEPTEMBER GOALS

    1) reduce mortgage capital by £445.00
    £42.82/£150
    2) cash out £30 on surveys/mystery shopping/cashback etc
    £4.85/£30 (Shopm1um: £4.85)
    Survey world has been dire this week, pa has only had ones you need a computer for, and that I can't do while trying to get the pickle to sleep & I keep getting screened out of vo ones. Hopefully it will pick up soon.
    3) 30 lots of decluttering/organising
    6/30 side table drawers in Pickle's room.

    Enjoy bake off everyone

    Wish

    Bed time edits in bold...
    Last edited by wishingthemortgaheaway; 05-09-2017 at 10:35 PM.
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Sep 17, 5:25 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    Before I pop back later and do my daily update, I'm just having a think.

    Should I create 'paypal' as another on budget account on YNAB? At the moment I just use my current account and have a payee of PayPal. I withdraw any credit straight away as it would be too confusing for me as it's not a separate account.

    Ok, I'm making no sense, but, what do you all think? I think I'm going to do it, unless anyone comes up with a very good reason why I shouldn't.

    Thanks all

    Wish.
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Sep 17, 7:10 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    Another nsd today, that's 3 in 6 days so I'm going to add another goal below of 10nsds in September. I thought about doing 15, but I think that might be something to work towards.
    I was able to do a TT late last night as hubby requested an online order for coffee machine cleaning tablets. I've taken that from the 'stuff I'll forget' pot, although I think it should be renamed 'hubby spends pot' never mind.

    Been to the baby group I volunteer at this afternoon so free for me and Pickle to attend. This morning we mooched at home.

    I've 'completed the trade' on a load of books, cds & DVDs, finally parting with my 17year old uni books, which were actually some of the better earners. I'll box it all up tonight and take it to the collection point tomorrow. The app says £36.40. How much I'll actually get, who knows?

    Hubby was home for 15ish hours again, so why does the whole house look like a bomb has gone off? I'll get on top of it tonight before sitting down with my bake away and watching bake off.
    Although I did oink oink all his receipts, need to remember to do this every time he's away.

    Also signed up to a cashback rewards thing with my bank? Don't think I'll earn a lot, but anything is better than nothing.

    Tomorrow is an errands day, after coffee with friends who's little ones are doing half days at school for the first time this week.
    Book package to send off, tip trip, maybe the shopping. Not sure what else yet.
    I'm hosting craft group tomorrow night, it will be nice to spend some time with adults child free.

    I think that's all from me. Happy saving everyone. Updates below (as usual)


    Wednesday
    Washing - as always!✅
    Sort through baby stuff to lend to a colleague of hubby's✅

    Thursday
    Parcel to collection point
    Tip trip with rubbish from loft
    Bake something for craft group.

    MSE SEPTEMBER GOALS

    1) reduce mortgage capital by £445.00
    £44.37/£150 still ahead of the £5 per day average at the moment.
    2) cash out £30 on surveys/mystery shopping/cashback etc
    £4.85/£30 (Shopm1um: £4.85)
    Surveys have picked up a little today, edging closer to a payout on both.
    3) 30 lots of decluttering/organising
    7/30 sorted a box of books, cds & dvds to trade in.
    4) 10 nsd in September
    3/10


    Wish
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Sep 17, 6:59 AM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    Ok, I'm back on the mortgage free wannabe band wagon - 2 months, so it's in my routine.

    I've been bullet journaling for a good couple of weeks and feel like that is going well (trying really hard not to start more new notebooks, because I don't need them)

    Decluttering is ongoimg and will never end, but is actually part of my mfw tasks.

    Now! Weight! I am one of the very few people who was considerably smaller post birth than pre birth - thanks to hyperemesis (I know how the duchess is feeling) I dropped two dress sizes and felt fantastic. I'm now back up to not far off where I was before. Still squeezing into my size 14 jeans, but they are tight-especially straight from the wash. I don't want it to continue to creep up. So I'm adding a section to my posts about my eating. You are all so lovely that I know I'll be supported, encouraged and told off when needed. I don't do scales - I may need to to give myself proper goals but for the next couple of weeks (until the end of September) I pledge to:

    1) no snacking unless it grew on a plant (so fruit & veggies only)

    2) maximum of 2 slices of bread,
    1 roll or 1 Pitta per day.

    3) Don't do that mum thing of hoovering their child's left overs - I swore I would never do this & guess what???? Yup!


    4) keep a food diary - and report on it. (An app is probably best) off for a hunt.


    Once these are in place I'll add other habits. Small steps it is.
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • Betterthanever
    • By Betterthanever 7th Sep 17, 7:53 AM
    • 166 Posts
    • 597 Thanks
    Betterthanever
    They seem reasonable steps to me! As you say, get used to a couple of things and make them habits before adding in more....much less.likely to throw in the towel! Good luck!
    Former DFW Need 230. Determined to be MF.
    Current balance £116,878.11. Offset £1034.
    end date - 03/29 aiming for 10/22

    Bring it on!
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Sep 17, 7:32 PM
    • 295 Posts
    • 1,211 Thanks
    wishingthemortgaheaway
    I didn't run as many errands today as I should have done, this, along with something, leads to a really poor day
    Cafe spends this morning, and soft play with a friend this afternoon. (Soft play was worth it, Pickle issnoring already. )
    But I've not done the food shop, so will have to do that tomorrow so tomorrow will not be a nsd.
    Then the muse disaster, the 3 pairs of jeans I took in to be repaired are going to cost £80. Still cheaper than buying new (hubby's designer jeans) but more than I was expecting I've got the money to pay, but it's going to make some pots really tight, especially as I've got the car seat cleaning company to pay too. Hey, it's not the end of the world.

    In better muse news:
    2.5kgs of random building blocks sold for £10
    1 jumperoo gone & £30 in the paypal account
    The space saver one is sold, friend taking it to a friend in a couple of weeks, another £30
    Box of books, dvds & cds gone off to Z1ff1t I'm not expecting the £34 it's scanned at, so anything above £25 will be a bonus.
    Somebody is coming to look at one of my evening dresses tonight, so that might be another £15 in the pot. We'll have to see.

    Think that's it for today (I'm trying not to ramble and bore you all)

    Thursday
    Parcel to collection point✅
    Tip trip with rubbish from loft✅
    Bake something for craft group. ✅ Jammie dodgers,

    Friday
    Food shop
    Clear a box in the loft

    MSE SEPTEMBER GOALS

    1) reduce mortgage capital by £445.00
    £54.37/£150 Increase from brick sale
    2) cash out £30 on surveys/mystery shopping/cashback etc
    £4.85/£30 (Shopm1um: £4.85)
    3) 30 lots of decluttering/organising
    8/30 rubbish and recycling out of loft office
    4) 10 nsd in September
    3/10

    The weight loss challenge 24 days left in September which is why everything is out of 24
    1) no snacking unless it grew 1/24
    2) Maximum of 2 slices of bread (or equivalent) 1/24
    3) No hovering Pickle's left overs. 1/24
    4) keep a food diary (with report)
    Breakfast: scrambled egg on toast
    Lunch: Jacket potato with mince, & veg from freezer (no butter, but only because I forgot)
    Tea: Tuna pasta bake with sweet corn, no cheese
    Other: Strawberries, 2 fruit teas, weak cordial, Diet Coke.


    Wish
    The 100 payment countdown (each payment = £400)
    2017
    July : £36,800 8/100
    August: £36,411.85 8/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • Mummy_bear
    • By Mummy_bear 8th Sep 17, 8:28 AM
    • 198 Posts
    • 789 Thanks
    Mummy_bear

    I've been bullet journaling for a good couple of weeks and feel like that is going well (trying really hard not to start more new notebooks, because I don't need them)
    Originally posted by wishingthemortgaheaway

    I started bullet Journelling last September. I tried it full on. Got me a square papered leuchtturm1917. It was very much trial and error with what suited me. I have reverted back to my diary for date specific things. My bullet journal is now mainly for my finances and to do lists / goals that aren't date specific.

    My BJ starts off very neat, with pretty headers and colours ( cos thats how they do it on youtube )...it drifts into hapless scribbles where I lost my way and now it's very simple and organised. I've resisted buying a new book to start over because I'm very MSE about these things now .

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £4434.13/£37139.86 11.93% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £2823.49/£9091.72 31% paid
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