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  • FIRST POST
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Jul 17, 7:39 PM
    • 651Posts
    • 2,581Thanks
    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 8
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 29th Sep 17, 5:39 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    September's results look pretty good to me. Bring on October's challenges!!
    Originally posted by Betterthanever
    Exactly. Going to go for a super stretch I think. Desperate to bring out mortgage free date forward.
    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 Sep 17, 5:52 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    spendy spendy day today as predicted. But.... all paid for in cash (left over from the food festival) and there is still cash left in my purse. Here's the run down..

    £3.40 on drink & breakfast at Mum's coffee this morning.
    £5 for trampolining. This is an amazing value activity. Bounce as much as you like, free toddler lunch with drink. So we bounced for an hour, then Pickle had spaghetti hoops on toast. There are two pieces of toast, he only needs one, so I had the other. He had his water, I drank his squash. Very mse.

    Then food shop this afternoon.
    My supermarket said: £57.54
    I paid: £40.97
    I couldn't get the desserts from the Shopmium offer, but that accounts for only £6 of that difference. I did downsize on a couple of things (so the 1kg bag of caster sugar in Ald! Is cheaper per kg than the 2kg one in mr t's)
    I also stocked up on pickle's oaty bars in mr s. They are £2 a box at the moment (normally £2.70) this is still more than I'd like to pay, but I can't make anything as soft that won't go off as we tend to stash them in bags and the car as emergency snacks as well as packed lunch items. I ended up buyin. £14 worth, and decided to use £5 of nectar points to offset some of the cost.

    All this means.
    £9.30 left in the grocery category on YNAB
    £9.50 in cash in my purse.
    1 day to go in September.

    Tomorrow may be a nsd, but then again, it might not be.

    Watch this space...


    MSE SEPTEMBER GOALS

    1) reduce mortgage capital by £445.00✅
    £153.60/£150
    2) cash out £30 on surveys/mystery shopping/cashback etc✅
    £63.67/£30 (Shopm1um: £12.75, Qme3: £5.05 vo; £15 voucher Swagbucks:£5, Pa:£25.87)
    3) 30 lots of decluttering/organising
    10/30 nothing today
    4) 10 nsd in September✅
    10/10

    Wish.[/QUOTE]
    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 Sep 17, 10:54 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    Evening. Just going to do my daily update before I do my month end one.

    Today wasn't a no spend day:

    £1 parking
    £20 in gap on clothes for Pickle (we didn't buy him anything new in the 12-18month size, so three tops and a pair of mittens in the gap outlet sale plus 40% off I think is pretty good going.
    £10.50 on coffee and cakes at a time place this afternoon. This sent me over the budget so I cashed out £11.46 (£12 minus fees) from Roamler to.cover it and sent the rest to the mop pot.

    Updates.


    MSE SEPTEMBER GOALS

    1) reduce mortgage capital by £445.00✅
    £153.60/£150 - just wait until the monthly update.
    2) cash out £30 on surveys/mystery shopping/cashback etc✅
    £76.08/£30 (Shopm1um: £12.75, Qme3: £5.70 vo; £15 voucher Swagbucks:£5, Pa:£25.87, Roamler: £11.76
    3) 30 lots of decluttering/organising
    10/30 nothing today
    4) 10 nsd in September✅
    10/10

    Wish.
    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 Sep 17, 11:26 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    MSE September GOALS
    Pay of £445 mortgage capital - over pay by £150
    I paid £168.31 but had massively made a calculation error somewhere as this only amounts to £390.61 off of the capital. Saying that getting £160 was hard enough this month so at least I though I had succeeded. Hopefully next month will be better.

    Cash out £30 surveys mystery shopping etc. details below.

    Declutter 30 things - nope, but I don't feel bothered about it.

    10 nsds achieved woop woop.


    Earnings from surveys, mystery shopping, cash back & sales
    Vouchers: £15
    Cash: £61.08
    Total: £76.08

    The mortgage situation
    Opening balance: £36,336.27
    Interest added: £75.58
    Standard payment: £297.89
    Mop pot: £168.31
    Closing Balance: £35,945.65
    Difference £390.62

    Savings pots
    Emergency Fund: £1175 +£125
    Annual Clean Fund: £120 +£60
    Wool Fund: £37.00 +00

    Household Expenses
    Groceries: £221.29/£250
    Household Goods: £71.02/£100
    Spending Money: £64.00/£100
    Restaurants: £99.00/£100 - technically I'm still owed money from last week's meal out, I'm not banking on getting it back though and, if I do it can go towards next month's mop pot
    Stuff I'll forget: £137.00/£100 - it was the £80 jeans repair and £45 car seat clean the sent this over. I will need a new car tire next month though

    Any thoughts/comments on how improvements can be made are welcomed.

    MSE OCTOBER GOALS

    Reduce mortgage capital by £475 (I think this is a mop pot of around £250)

    Raise £110 for a new baby carrier (currently got a toddler size carrier on hire from the sling library, but would like to buy my own. I've already got some dresses, jewelry and 2 baby sized carriers to sell to fund this)

    Cash out £50 from survey sites, mystery shopping and cash back etc (it was over £75 in September, I've not been as diligent the last couple of days but I'll get on it for October. )

    12 no spend days.

    Bring on the first of the month

    Wish
    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
    • Silence101
    • By Silence101 1st Oct 17, 6:51 AM
    • 311 Posts
    • 472 Thanks
    Silence101
    You've done great this month! I've taken a leaf from your book, and have set up goals for this month too. I need to set up a budget but I know this month is going to be pretty expensive, so I almost feel it's not worth doing just yet.
    09/17 Shared Ownership 50% share - Mortgage £77500 Original MFW 2052
    10/17 OP £108.01 /£100 11/17 £471.44/£100 12/17 £114/£100
    • Silence101
    • By Silence101 1st Oct 17, 6:54 AM
    • 311 Posts
    • 472 Thanks
    Silence101
    I've got a question about the mortgage interest, how do you calculate what interest has been added that month? Is it just the difference between the capital payment and the total "bill"? Thanks
    09/17 Shared Ownership 50% share - Mortgage £77500 Original MFW 2052
    10/17 OP £108.01 /£100 11/17 £471.44/£100 12/17 £114/£100
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Oct 17, 8:18 AM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    I've got a question about the mortgage interest, how do you calculate what interest has been added that month? Is it just the difference between the capital payment and the total "bill"? Thanks
    Originally posted by Silence101
    Hi Silence,
    The internet banking for the Mortgage shows how much interest is added each month. I'm effectively working a month in arrears as the interest added today has accrued in September. But it's a system that's working for me.
    I think it means that right at the end of the mortgage I'll have a tiny interest payment to pay to clear the account - much in the same way that people who clear credit cards say they have an interest payment after they've paid off the capital.

    Thanks for stopping by.
    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 Oct 17, 8:29 AM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    I was just popping on here to say

    'Woohoo first of the month lets see where we stand' then realised it's Sunday, so everything will go out tomorrow.
    However the mortgage company have kindly updated my balance with the interest accrued in September - they haven't bothered to take my payment or register my op from yesterday. But hey, at least I know where I stand and can set my mini mop pot goals.
    So:
    Goal 1: interest accrued: £72.38
    Goal 2: colour in next square on countdown house: £120.14
    Goal 3: lovely round £35,500: £220.14
    (I'll break them down into three goals below so I can overpay when I hit each point and keep the calculations simple)
    1&2 should be perfectly manageable. 3 really depends on us not getting any unexpected bills.

    here goes.

    MSE OCTOBER GOALS

    Mop pot target 1) 0/£72.38
    Mop pot target 2) 0/£47.76
    Mop pot target 3) 0/£100

    Money for new sling: 0/£110

    Survey/tasks/cashback: 0/£50

    NSDs: 0/12
    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
    • Silence101
    • By Silence101 1st Oct 17, 8:49 AM
    • 311 Posts
    • 472 Thanks
    Silence101
    Thanks! I'll have to see what ours tells us once I've set it up.
    09/17 Shared Ownership 50% share - Mortgage £77500 Original MFW 2052
    10/17 OP £108.01 /£100 11/17 £471.44/£100 12/17 £114/£100
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Oct 17, 7:03 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    Evening all,
    Today wasn't the nsd I'd hoped it would be. We needed milk ( I think we need a cow the rate we're going through milk at the moment)
    I only bought milk though so a 75p spend. I had to do it as a card payment though as the cash machine wasn't working and I need cash to pay the cleaner.
    I've Tilly tidied the. 25p to the mop pot.

    Also I've got £8.50 left in cash from September so I've rounded this up to £10 and transferred £5 from groceries and £5 from restaurants to the mop pot.

    My super stretch mop pot target is over £7 a day - this really will be a stretch, but on target so far.

    Surveys have been slow today, but I need to check more regularly. Need to sort a few things to sell tonight and crack on with my consulting project.

    Update on day 1.

    MSE OCTOBER GOALS

    Mop pot target 1) £10.25/£72.38
    Mop pot target 2) 0/£47.76
    Mop pot target 3) 0/£100

    Money for new sling: 0/£110

    Survey/tasks/cashback: 0/£50

    NSDs: 0/12

    Wish.
    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 Oct 17, 9:06 PM
    • 2,001 Posts
    • 11,405 Thanks
    museumworker
    Wow, so much to catch up on Wish! Love your clear goals and budgeting skills. Hope to try YNAB once I reduce my hours and have a little more thinking space, seems to really work for you.

    Which sling are you looking to buy? I found after about a year old DS wouldn't go in one and DD2 was too heavy for me/difficult to get on the back.
    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
    • pinkypig
    • By pinkypig 1st Oct 17, 9:50 PM
    • 747 Posts
    • 6,481 Thanks
    pinkypig
    Hi Wish, your mortgage is a lovely round figure. Its also quite a,hi e figure - can't wait for mine to be sub £40k! Good luck with October
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Oct 17, 10:01 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    Wow, so much to catch up on Wish! Love your clear goals and budgeting skills. Hope to try YNAB once I reduce my hours and have a little more thinking space, seems to really work for you.

    Which sling are you looking to buy? I found after about a year old DS wouldn't go in one and DD2 was too heavy for me/difficult to get on the back.
    Originally posted by museumworker
    Thanks MW. I love YNAB.

    I'm going to get the toddler isara, I've got one on hire from our sling library at the moment. Pickle loves the sling (and the wrap) he's been in a sling since he was 8 days old. The pushchair is living in the boot of the car at the moment as he wants to walk a bit then we carry a bit too and it's so much easier.
    I've put one of our baby carriers (Moby Aria) up for sale this evening to offset the cost a bit.

    Babywearing is not a money saving pastime., although I am nowhere near as bad as some I know.
    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 2nd Oct 17, 7:27 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    Today was not a nsd again! (Story of my life!)
    It started this morning with a £6.80 postage spend to put two tubs of creme egg brownie in the post to two taste testers. I can't get hold of the corn syrup needed to make the creme egg fondant anymore, so I'm testing out a new way of making it and needed to send samples to two 'testers' but, do you know what? They will both appreciate getting a parcel of brownie in the post, so I don't care.
    Then I paid for the next block of Pickle's swimming lessons. I've said it before, but £51 for 10 swimming lessons is a bargain and it's such an important skill.

    In positive money news:
    The majority of the direct debits went out today, so I've Tilly tidied the YNAB pots to the mop pot- don't tell me to only fill the YNAB pots with the exact amount for each direct debit because they are messy amounts for example £297.89 for the mortgage payment. I can't cope with that. So £300 goes in and the £2.11 gets Tilly tidied to the mop pot when it's done. - works for me!

    Then this evening I get an email from a survey company saying the final survey is ready, I fill it in and get a £20 reward for what was technically a 14 day survey. I get missing the 'daily poll' though so I assumed I wouldn't be getting the reward. However I did. So... £10 to the mop pot and £10 to the sling fund to get that off the ground.

    I've had 1 person message me about the Moby carrier basically asking me to reduce the price. I've said no, it's already a bargain and much cheaper than many other slings on the market, even preloved. If it doesn't sell this month, then I'll reduce it next month.

    Finally - I spent my birthday Amazon vouchers on a new watch. I dropped mine at the swimming baths last week and smashed the glass, it's not economical to repair. So I've bought a very similar version again, just upgraded to have the date showing as well as the time.

    Now.. will tomorrow be an nsd?

    Update on day 2.

    MSE OCTOBER GOALS

    Mop pot target 1) £28.23/£72.38
    Mop pot target 2) 0/£47.76
    Mop pot target 3) 0/£100

    Money for new sling: £10/£110

    Survey/tasks/cashback: £20/£50
    £20 - shop along

    NSDs: 0/12

    Wish.
    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 2nd Oct 17, 8:41 PM
    • 747 Posts
    • 6,481 Thanks
    pinkypig
    Omg creme egg brownies sound so good !!
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 3rd Oct 17, 6:57 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    A bit too sickly for me. But others seem to like them.
    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 3rd Oct 17, 7:13 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    Today has been a good day
    Today the first lot of brownie arrived at its recipient's house
    Today has been a nsd
    Today I've cashed out £1.94 on Qm33
    Today I've Tilly tidied my mobile phone bill pot
    Today I've received an invitation to a job interview.
    Today is bake off.

    That sums up my day really. Pickle settling down to sleep now.

    Tomorrow maybe a nsd.

    And... we're about to enter the long 'not much happening' part of the month. So I need to keep plugging away at the survey sites to keep things going. If I can get something on Qm33 everyday and cash that out, that will keep me motivated. I'm about 150 points short of a £5 payout on swgbcks and half way to my next amazn voucher on vo. So hopefully things will keep moving PA is being a bit rubbish for me currently which is a shame because I find the surveys on their really interesting.
    Oh well...
    Another day to come.
    Have a lovely evening everyone


    Update on day 3.

    MSE OCTOBER GOALS

    Mop pot target 1) £30.44/£72.38
    Mop pot target 2) 0/£47.76
    Mop pot target 3) 0/£100

    Money for new sling: £10/£110

    Survey/tasks/cashback: £21.94/£50
    £20 - shop along
    £1.94 - Qmee

    NSDs: 1/12

    Wish.
    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 4th Oct 17, 8:27 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    Today has been very spendy, with one amazing mse moment. I did get a bit into the 'well I've ruined my nsd now, so I might as well carry on spending' but it's not a total disaster.

    I renewed the hire on my sling, hopefully for the last time. I'm going to order the sling through the library so I'm probably looking at a £20 saving, I'm not going to change my target until I know for sure.
    Then, I did a top up shop in Ald1- bread flour and icing sugar is a bit of a random top up shop
    Lunch for pickle and I in the local cafe, only a £5 spend and plenty of space for him to run around.
    C0stc0 to fill the car up, dishwasher tablets, more cat food to get us through to Christmas, And a new tire for my car. But.... it didn't need replacing, just repairing so an £8.40 spend, not the £40-£50 I was expecting. I also bought some coffee pods for my dad, but I'll get the money back for those. Oh, and we had 'afternoon tea' there whilst waiting for the car.

    Also to an email from tab today saying 20% cashback on certain shops including a clothes shop that hubby likes, so I've ordered him a hoody for Christmas.
    Will definitely have to watch the pennies next week.

    Ynab (classic) is being glitchy and the app on my iPad isn't updating with the spends from the phone app, so I can't Tilly tidy until it does. So... I've cashed out today's 98p earnings from qm33. I'm about 1 survey away from a £5 payout on swgbcks I was hoping for today, but maybe tomorrow.

    Update on day 4

    MSE OCTOBER GOALS

    Mop pot target 1) £31.42/£72.38 (still just on target for the £220 super stretch mop pot)
    Mop pot target 2) 0/£47.76
    Mop pot target 3) 0/£100

    Money for new sling: £10/£110

    Survey/tasks/cashback: £21.94/£50
    £20 - shop along
    £2.92- Qmee

    NSDs: 1/12

    Wish.
    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 5th Oct 17, 9:24 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    Today has been a nsd, but it's also been a no survey day, so my mop pot has Not incresased grrr. I'll keep checking until bed time and try and get a little something. I'm now behind target for my super stretch mop pot goal, but I knew that would happen as I've had all the start of the month easy wins.

    I went to the supply agency to sign up today, all went fine, but it's going to cost me £72 to get a dbs check: £44 for the check, £13 to register with the update service and a £15 admin fee which is ridiculous and I'm completely unable
    To avoid it. So that's my 'stuff I'll forget pot pretty Much wiped out. Good job I have that pot, I've used it every month so far, maybe it needs renaming as 'miscellaneous ' or something.

    Tomorrow my friend is taking Pickle for a little bit so I can prep a presentation for an interview next week. Then it's the friday food shop (so not a nsd) my supermarket says £54.15, which is a bit higher than normal, but I've run out of a couple of things where I don't compromise on the brands and nappies are slightly cheaper inAld1 at the moment, so I'm going to stock up on those. Apart from nappies everything else is from Mr T as far as my supermarket is concerned. Then price check in Ald1 as I go round.

    I have run around like a mad thing since Pickle went to bed to attempt to get ahead of myself for tomorrow and am feeling pretty pleased with what I've achieved so far. Just about getting there I think. Will check my bullet journal and then fall exhausted into bed shortly.
    I'm just hoping Pickle sleeps well tonight. He's teething molars...

    Update on day 5

    MSE OCTOBER GOALS

    Mop pot target 1) £31.42/£72.38 no change
    Mop pot target 2) 0/£47.76
    Mop pot target 3) 0/£100

    Money for new sling: £10/£110

    Survey/tasks/cashback: £21.94/£50 no change
    £20 - shop along
    £2.92- Qmee

    NSDs: 2/12

    Wish.
    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 6th Oct 17, 8:21 PM
    • 651 Posts
    • 2,581 Thanks
    wishingthemortgaheaway
    Today has gone as planned.
    Pickle slept through the night (why do I still feel so tired though)
    My friend took him out for a couple of hours and I started prepping my interview presentation, got a fair amount done and should be able to plug away at it now.
    After nap time was the weekly shop. My supermarket said £54something (mostly tesc0, but an ASDA item, a couple of morrisons and Aldo nappies. However, using my usual trick, I got most things cheaper (per unit) in Aldo and only had a few branded bits to get at Mr T's. That bit of the shop was a little bit of a disaster, a couple of items weren't in stock so I had to up shift my brands or buy a different size with more expensive unit prices. I was still able to come in at £5.44 under the Mymensingh supermarket prediction.
    I also bought a plastic wallet folder thing (£3) and have ordered some luggage labels (£4.95 for 50). Both are related to my interview next week, but the luggage labels I also use when giving away my knitted goods.
    I took the 'interview' spends from my spending money and the nappies from household goods, so food shop for the week is £40. I can live with that. My plan is to stay out of food shops until at least Thursday (I've got strong flour to make bread' milk gets delivered twice a week and I always buy under ripe fruit so it lasts)

    i need to do some juggling somewhere as I've already spent most of my diesel money for this month, but I'll need to fill up hubby's car as I've got a 2.5 hour drive to and from the interview and a trip to London. My car is being used by a friend (as I can't see her struggle with no car, whilst I've got two cars outside my house) she will return my car with a full tank of fuel, she always does, so my November fuel spends should be minimal/nothing, but, in the meantime I need to juggle. I think I'll take it from 'stuff I'll forget' to start with as, if I get the job on a Wednesday, they will do a Dbs for me, so I won't have to pay out for one for the supply agency.
    Another reason to get the job.

    Weekend plans:
    Lazy last family morning for a while tomorrow, taking hubby to the airport after nap time. Depending on what that is, we may go to the viewing park for a bit to watch the planes - its hubby & pickle's idea of a good time. Then my parents are coming to stay at hotel Wish on Sunday before they fly out to New England Monday morning for a holiday. We've got a pub lunch booked on a Sunday, I suspect Dad will pay, if he doesn't mine and pickle's share will be more than covered by the money he owes me for his coffee pods. If I pay the total bill I've got 10%cashback with my bank rewards so not a disaster.

    Finally: surveys have been pants again today, I need 1 decent survey to get a £5 payout on swgbcks, I've got nothing pending on PA because it's been dead for days. Qm33 has been rubbish VO hasn't been good today. I'm getting frustrated (I need to remember I've already had a £20 payout already this month, it just doesn't feel like it)

    Update on day 6

    MSE OCTOBER GOALS

    Mop pot target 1) £34.68/£72.38 (about £8 behind for target 3)
    Mop pot target 2) 0/£47.76
    Mop pot target 3) 0/£100

    Money for new sling: £10/£110

    Survey/tasks/cashback: £21.94/£50 no change
    £20 - shop along
    £2.92- Qmee
    Hmmm something doesn't add up here, need to investigate.

    NSDs: 2/12

    Wish
    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
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