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  • FIRST POST
    • museumworker
    • By museumworker 15th Jul 17, 10:22 PM
    • 1,944Posts
    • 11,015Thanks
    museumworker
    The mindful MFW: A healthy, happy journey to a mortgage free life!
    • #1
    • 15th Jul 17, 10:22 PM
    The mindful MFW: A healthy, happy journey to a mortgage free life! 15th Jul 17 at 10:22 PM
    Hi all! Some of you may know me from my last two diaries (museumworkers quest to consign the mortgage to history and Making the Future Happen). A lot DID happen during my last diary, mostly things that threw me off the MFW course, including an unexpected (but much loved) third child and a new full time job! These are both changes for the better, but adjusting to even less time with even more responsibilities unfortunately took its toll on my health and wellbeing as well as our finances.

    Anyway, I now feel like I've turned a corner - my health is improving, I'm settled at work, we have local childcare arranged (no more commuting with a toddler and buggy come September!) and we are starting to tackle the mortgage again. Rather selfishly I would like a new diary to mark this new phase as I feel a bit like my old one is, well, if not stained then a bit dog-eared. And who doesn't like the feel of a crisp new diary, all shiny, new and full of hope!

    This time my journey to mortgage freedom has to be healthy and happy. I can't let myself get ill again, the whole family suffers. The mindfulness part is more aspiration than reality at the moment! However I've gained so much benefit from the mindfulness work that I have done that I really want to make it an integral part of my life. And I really want to enjoy my time with the kids, aged (nearly) 3, 5 and 14, and nurture my relationship with the very neglected OH. We love to travel and have days out, though usually there's a discount voucher and a packed lunch to hand if you look closely enough! Of course there will be challenges along the way, but if I can build personal resilience and keep a positive outlook I'll be much better placed to deal with them.

    I would love it if you read and posted along - words of encouragement, suggestions, comments, questions, observations, witticisms, light ribbing - and the occasional reprimand if I start being self-negligent!

    Some facts that always help at the start of a diary:
    Mortgage balance at start of MF journey, March 2011: £190,000
    Current balance July 2017: £95,979.89
    Mortgage rate: 2.39% fixed at Feb 2016 for 5 years.

    OPs in 2017 to date: £9,249.16
    Total OPs 2011-16: £45k

    LTV when house purchased 2008: 83%
    Estimated Current LTV: 15%
    Old mortgage rate: 5.09%
    Old mortgage monthly payment: £1,200
    Current mortgage monthly payment: £623.15

    Original end date at renewal: February 2036
    Current end date with no further OPs: October 2033 [guestimate, will check next time I call]
    Target: April 2022 = £1,200 pm OP / £14,400 pa OP
    Stretch target: September 2021 = £1,400 pm OP / £16,800 pa OP
    Super stretch target: April 2021 = £1,600 pm OP / £19,200 pa OP

    Just realised that means am possibly talking only 4 years or so until we're mortgage free ! Wow, that feels so unreal - but incredibly motivating!!

    Lots more to say, but right now we're off to bed. Thanks for reading!
    Last edited by museumworker; 19-07-2017 at 1:07 PM.
    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
Page 13
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th Oct 17, 6:45 AM
    • 456 Posts
    • 1,768 Thanks
    wishingthemortgaheaway
    Sounds like a fabulous day all round.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 August: £36,411.85 8/100 September: £35,945.66 10/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • themadvix
    • By themadvix 10th Oct 17, 1:36 PM
    • 1,058 Posts
    • 5,932 Thanks
    themadvix
    Belated Happy Birthday MW!

    The Ritz sounds amazing, and extra money well spent - you won't forget that experience in a hurry!

    KM - eating out (and in) is one of my favourite pastimes, but sometimes I feel that you're not allowed to say that on here!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • newgirly
    • By newgirly 11th Oct 17, 6:48 AM
    • 5,805 Posts
    • 39,706 Thanks
    newgirly
    Happy belated birthday
    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.
    • Betterthanever
    • By Betterthanever 11th Oct 17, 8:22 AM
    • 279 Posts
    • 1,101 Thanks
    Betterthanever
    Happy belated birthday! I hope you enjoyed tea at the Ritz! My mother took me there for my 40th....sadly it was a bit of a waste as a) I don't drink tea at all and b) I was going through the classic "divorce diet" whereby I didn't actually eat anything.


    We ended up bringing a doggy bag home - not really the plan!! It was a nice thought from her, of course, just poor timing (and I don't drink tea!!).
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • museumworker
    • By museumworker 11th Oct 17, 8:28 AM
    • 1,944 Posts
    • 11,015 Thanks
    museumworker
    Thanks all for the birthday wishes, much appreciated. Everyone is always welcome to talk about eating out (and in!) here, it's one of life's greatest pleasures.

    YS pork in slow cooker for a Persian style pork, apricot and tamarind stew tonight. Tamarind was v expensive in supermarket though so will buy some from one of the ethnic supermarket to have in stock.

    Forgot my travelcard yesterday so £4.50 spent unnecessarily on travel . Have definitely got it this morning though. Lunch is leftovers and snacks from cupboards.

    Plan to cycle home tonight, using new lights bought with vouchers. They are rechargeable too so should be cheap to run .

    I have been sent a £20 off £40 spend for fleabay - any suggestions on what to buy much appreciated! Have relisted my fleabay items so will definitely get £20 at end of month from that endeavour. Have also dropped the price to see if can get a sale too!

    DD1 struggling to meet an important deadline for her music exchange so have emailed the organiser to ask her to intervene. Fingers crossed she gets it done as she's very stressed and exhibits extremely challenging behaviour when under pressure. Read: she made me cry before bed last night.

    To do:
    * claim travel expenses from last week
    * walk 10k steps
    * cycle home
    * stick to allocated food
    * check current account and update YNAB
    * call BT to check phone line ok to go
    * make sure Amex set up to auto deduct full amount
    * put in DD1 prescription
    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
    • Betterthanever
    • By Betterthanever 11th Oct 17, 8:48 AM
    • 279 Posts
    • 1,101 Thanks
    Betterthanever
    The joys of being a parent, eh!


    The Persian style pork sounds fab. I often do a chicken, chickpea and apricot tagine type thing. I love that sort of cooking, slow cooked, and full of flavour. My slow cooker definitely gets a lot of use! I made a massive amount of pulled pork in it recently from a YS joint. It was amazing, if I say so myself, and we put loads of portions in the freezer - ideal with jacket potatoes!
    Former DFW Nerd 230. Determined to be MF.
    Current balance £116,149.98. Offset £1,236. £114,913.98 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Bring it on!
    • museumworker
    • By museumworker 11th Oct 17, 7:13 PM
    • 1,944 Posts
    • 11,015 Thanks
    museumworker
    Happy belated birthday! I hope you enjoyed tea at the Ritz! My mother took me there for my 40th....sadly it was a bit of a waste as a) I don't drink tea at all and b) I was going through the classic "divorce diet" whereby I didn't actually eat anything.


    We ended up bringing a doggy bag home - not really the plan!! It was a nice thought from her, of course, just poor timing (and I don't drink tea!!).
    Originally posted by Betterthanever
    Oh my, that sounds memorable for all the wrong reasons! We had a lunch instead of tea, I would recommend. It was a T!me 0ut deal I bought last year and was definitely good value - my MIL paid the same for afternoon tea there the other week as we paid for 3 courses and a glass of champagne (as well as the bread, amuse bouche, petit fours and the birthday cake!)

    The joys of being a parent, eh!


    The Persian style pork sounds fab. I often do a chicken, chickpea and apricot tagine type thing. I love that sort of cooking, slow cooked, and full of flavour. My slow cooker definitely gets a lot of use! I made a massive amount of pulled pork in it recently from a YS joint. It was amazing, if I say so myself, and we put loads of portions in the freezer - ideal with jacket potatoes!
    Originally posted by Betterthanever
    I need to do more SC recipes so please do point me in the way of any crowd pleasers. This has turned out really well, just topped with some toasted almonds and will have with cabbage and rice when kids in bed.

    Today I have:
    * walked probably about 8K steps - I left my Fitbit at home so have to guess
    * ate mostly from planned snacks - did have one additional orange, cashew and cocoa snack bar and a small bite of DD1's vegan birthday cake, so 200 extra calories or so. Not awful, but not perfect. Can I blame a major slump in energy in the office?
    * cycled home from work - was a great route, had to literally force myself to do it but once on the road had more energy than I thought, and think I can get it down to 1 hr 10 ish. Am thinking of cycling in tomorrow morning I enjoyed it so much .
    * claimed travel expenses
    * updated YNAB
    * received already money from friends for dinner I booked for Friday night - out for after work drinks followed by lovely 4 course dinner with cocktail, the dinner part is paid for via pocket money and I've sent them both a link for a free P&P cocktail . I have a healthy £105 in my pocket money this month, so can even afford a round too.
    * BT messaged to say phone now set up (bit creeped out that they may be stalking me on this diary )
    * completed Amex auto deduction form. Now just need to post it

    Carried over til tomorrow:
    * DD1 prescription
    Last edited by museumworker; 11-10-2017 at 7:21 PM.
    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 11th Oct 17, 9:04 PM
    • 644 Posts
    • 5,961 Thanks
    pinkypig
    Well done on your cycling. I can never be bothered to do stuff but feel great when I do and rubbish when I don't! You also get to eat guilt free cake which is waaay better than ordinary cake

    Hope DD1 got over herself. Good job we love them isn't it?
    • museumworker
    • By museumworker 12th Oct 17, 7:44 AM
    • 1,944 Posts
    • 11,015 Thanks
    museumworker
    I love the responses from experienced mothers who really GET what having a teenager is like. It makes up for all the 'making memories' 'collecting beautiful moments' parenting I keep hearing on social media which sometimes feels a million miles away from my actual life.

    Don't think I can face cycling in today will concentrate on my steps instead.
    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
    • museumworker
    • By museumworker 12th Oct 17, 11:22 AM
    • 1,944 Posts
    • 11,015 Thanks
    museumworker
    Today's ta da! list:

    • Collect parcels
    • Send thank yous for gifts
    • Stick to allocated food
    • Hit 10K steps
    • Listen to free audiobook
    • Buy notebook with money off voucher (pocket money)
    • Order new set of phone chargers and cables to make up for fact that mine have gone missing, using last of vouchers (I have my suspicions who might have taken them!)
    • Put in DD1 prescription
    • DS parents evening
    • Dinner: LO chilli with jackets
    • Collect DD1 from free theatre trip
    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
    • themadvix
    • By themadvix 12th Oct 17, 11:34 AM
    • 1,058 Posts
    • 5,932 Thanks
    themadvix
    Impressive list! You fit so much in in a day!

    I'm glad it's okay to talk about eating here - as you say, one of life's great pleasures! (I guess some people don't see it as such, so they'd rather save the money - different strokes for different folks).

    Hope DD1 improves!
    OPs 2017 = £2603/£10000
    S&S ISA = £300/£600
    OPs made 2016 = £6142.12
    Starting balance 2012: £132000; balance June 2017: £99,974
    MFW2017 no. 38
    • museumworker
    • By museumworker 12th Oct 17, 7:52 PM
    • 1,944 Posts
    • 11,015 Thanks
    museumworker
    Impressive list! You fit so much in in a day!

    I'm glad it's okay to talk about eating here - as you say, one of life's great pleasures! (I guess some people don't see it as such, so they'd rather save the money - different strokes for different folks).

    Hope DD1 improves!
    Originally posted by themadvix
    Thanks, I’m actually feeling really ineffective and groggy at the moment so it’s interesting how I’m perceived very differently to how I feel!

    My mum is a real 'it's just food' person so I've only discovered the joy of savouring food as an adult. I consider it a form of mindfulness to truly take the time to appreciate what you're eating (although I am often found shovelling food in my gob pretty mindlessly so its more of an ambition than a reality at the minute!)

    DD1 will always be, well, DD1, it's my mindset that has had to shift to accommodate her behaviour. Good news is I'm not screaming back any more so that's progress ,

    I took a trip to Mr W at lunchtime to get a free coffee, my favourite handsoaps are now 86p instead of £2 so I bought three, which last us about 2 months. I will buy another few next week as would be good to get 6 months stock in the cupboards and then cancel my Am@zon S&S at around £1.30 a bottle.

    Received two lovely books for my birthday in the post, and also was given set of uniform for DS1 by a mum whose son has changed school, all the next ages up which will save us about £30! Need to say thank you to both lovely people as it is very much appreciated.

    I’ve got a three month free audible trial via Group0n, if anyone can recommend some audio books that would be much appreciated! I just started listening to Freedom Seeker by Beth Kempton and absolutely bowled over by it, so much to unpack I may need to buy a copy to read and digest s-l-o-w-l-y.

    And very good news, our trip to Morocco next week *squee* is classed as Europe for travel insurance purposes so no need to pay to extend our policy.

    Done:
    * collect parcels
    * stick to allocated food - erm, no, had one Madeline, and a tiny slice of DD1 cheesecake to make up for fact used up ALL my baking chocolate , probably about 200 calories.
    * Hit 10K steps - managed 13K hopefully that might go someway towards the extra calories
    * listen to free audiobook - yes, it's awesome
    * order new set of chargers and cables - will be here tonight, just LOVE Ama@zon pr!me
    * put in DD1 prescription
    * DS parent's evening - went exceptionally well, really pleased how he's settling into Yr 1
    * Dinner - jackets in the oven

    To do:
    * send thank yous for gifts (phone flat)
    * buy notebook

    Major oops:
    * Got DD1's theatre trip day wrong so she's very cross with me as she turned down volunteering at a open evening at school. MUST. READ. EMAILS. PROPERLY.
    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
    • museumworker
    • By museumworker 13th Oct 17, 8:22 AM
    • 1,944 Posts
    • 11,015 Thanks
    museumworker
    I've decided to split my list so I remember to do recurrent things like check and print DD1 homework each week. Money saving because then we don't have to print it from home

    My Friday ta dahhh! list:

    DAILY
    * Walk 10K steps done
    * Lunch from stores, stick to allocated food Done, if you don't count three Cadburys heroes
    * check accounts and update YNAB done, all looking fine

    WEEKLY
    * Check and print DD1 homework calendar done, nothing added
    * Read DS school newsletter and diarise any important dates done

    MONTHLY
    * Collect DD1 prescription at lunchtime not done as it's an illegal prescription allegedly . Have put call in to issuer

    SPECIAL
    * Thank you to school mum not done as DD1 hadn't given me her number. Must chase
    * Bring set of charger and cables to keep at work took them in then brought them home again
    * Send birthday card to relative not done, must transfer some money instead
    * Chase BT on switching mobile service (saving £5pm) not done
    * Link bank account to shopping cashback site and apply for £20 refund done
    * Apply for mouthwash cashback (£6.66) not done
    * Print out dinner vouchers and free drink voucher for night out done
    * Order/buy DD1 tea tree oil not done
    * Speak to Doctor if travel immunisations needed (may have left this a bit late!) not done
    Last edited by museumworker; 15-10-2017 at 8:39 PM.
    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
    • museumworker
    • By museumworker 14th Oct 17, 8:42 AM
    • 1,944 Posts
    • 11,015 Thanks
    museumworker
    Wow! Unexpected fleabay sale nets £40 before postage ! Plus £20 for listing 2 items due at end of month. Wondering what else can list now...
    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
    • museumworker
    • By museumworker 15th Oct 17, 9:42 PM
    • 1,944 Posts
    • 11,015 Thanks
    museumworker
    Sunday night already? How did THAT happen?! I have completely neglected to write a to do list, mostly deliberately as I wanted to enjoy my family time this weekend without the stress of attempting too much.

    Had a really nice evening on Friday, bought one £35 round and it was great to know from keeping YNAB updated that I had the pocket money available to do so. Apart from a couple of quid restaurant tip there was no extra spends after. The restaurant was good, nibbles and cocktail amazing and other courses good too. My friend was so touched when they came out with a cake and a candle!

    Yesterday we went to a local apple harvest event, we saw lots of friends there and the kids had lots of fun playing, having their faces painted, and apple bobbing! We spent just under £4 from grocery budget on local organic apples at £3 a kilo, and £5.50 from family days out budget on cider/donation/toffee apple. It was really nice to do something a short walk from home and feel like locals.

    Today we took the kids to a Victorian sewage pump house, yes we know how to treat them ! It was actually a lovely day out, I found the buildings and displays really interesting, and DS was fascinated to find out we were walking on top of the pipe which carries ALL the wees and poos in South London for treatment! The kids found a cricket in the gardens outside and watched it jump for half an hour, it was such a lovely pace to be going at. We also got in free as the engine we went to see wasn't in steam due to asbestos!

    We took packed lunches and snacks both days, so 2 lovely family days out for less than ten pounds and a bit of petrol.

    £37 spent on mini shop in L!dl yesterday which included DD1's requested birthday dinner for her sleepover and a (shop bought ) cake.

    Car insurance just been renewed at £466 for year, with £50.50 due in cashback . This is £90 less than budget and £200 less than renewal quote so really pleased with that, only took us about 20 minutes to find a provider and price we were happy with.

    I have a to do list as long as my arm to write but I'm tired so going to hit the sack and work it all out in the morning. Good news is I have Friday off so a bit of time near the end of the week to rest/follow up on urgent things before we go on holiday- we're really unprepared!

    Night all!

    MW x
    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
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 15th Oct 17, 10:53 PM
    • 456 Posts
    • 1,768 Thanks
    wishingthemortgaheaway
    sounds like a fab weekend. And lots of exciting things to look forward too.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 August: £36,411.85 8/100 September: £35,945.66 10/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • museumworker
    • By museumworker 16th Oct 17, 12:18 PM
    • 1,944 Posts
    • 11,015 Thanks
    museumworker
    Thanks wish, hope you had a good weekend too. Definitely looking forward to our holiday, but even more so once I've confirmed all the hotels. We paid for our car hire yesterday and have checked our European travel insurance covers Morocco, but not a lot more .

    Today's Ta dahhh! List:

    DAILY
    Stick to allocated food mostly, one biscuit this evening
    • Check accounts and update YNAB

    WEEKLY
    Cycle to work AND BACK yes, and did it in an hour each way, at this rate won't need ebike
    • Prepare this week’s test mail
    • Charge fitbit

    MONTHLY
    Chase Dr on DD1 prescription if not heard from by midday yes, and thank goodness I did, took 4 phone calls to sort it out
    Collect own prescription from Dr done

    SPECIAL
    Package and label ebay parcel
    • Send ebay parcel
    done and emailed confirmation
    • Send birthday card to relative oops still no
    • Bring set of charger and cables to keep at work yes, took it in but then in different office today so had to bring it home again!
    • Speak to own Doctor if travel immunisations needed (may have left this a bit late!) couldn't get through, tried 3 times
    Complete fleabay survey BY END OF DAY done
    Call nephew pm to wish happy birthday and ask for details to send money to done
    • Call friend re: trip to Manchester carried over
    • Call friend re: meet up this week carried over
    • Thank you to school mum carried over
    • Confirm holiday accommodation emailed all 3, heard back from one so far
    Last edited by museumworker; 16-10-2017 at 9:09 PM.
    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 16th Oct 17, 9:03 PM
    • 644 Posts
    • 5,961 Thanks
    pinkypig
    That's some list - you'll be ready for that holiday

    I've always fancied Morocco, looking forward to hearing all about it (especially the food, I just love Moroccan food).

    PP x
    • museumworker
    • By museumworker 17th Oct 17, 1:26 PM
    • 1,944 Posts
    • 11,015 Thanks
    museumworker
    Thanks PP – I both love and loathe to do lists. They stress me out with their demands but also help get things done. I am really hoping that my lists will get shorter soon!

    Will keep you updated, especially about the food Good news is that all of our hotels have confirmed our stays ! One of them includes breakfast and dinner for three nights too.

    Today's Ta dahhh! List:

    DAILY
    • Walk 10K steps 14k
    • Stick to allocated food (haven’t brought lunch, so this might be tricky!) not a great day, fail to plan and you plan to fail
    • Check accounts and update YNAB done


    WEEKLY
    • Prepare this week’s test mail
    • Collect test mail
    • Log test mail
    • Send test mail done, and logged
    • Charge fitbit (plug wasn’t in properly, grrr!)

    MONTHLY
    • Collect prescriptions x 2 done

    SPECIAL
    • Bring set of charger and cables to keep at work
    • Speak to own Doctor if travel immunisations needed (may have left this a bit late!)
    • Send birthday card to relative
    • Buy birthday card for friend
    • Wrap friend’s present
    • Bake cake for tomorrow
    • Book pizza lunch tomorrow
    • Call friend re: trip to Manchester
    • Call friend re: meet up this week
    • Thank you to school mum
    Last edited by museumworker; 17-10-2017 at 10:40 PM.
    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
    • museumworker
    • By museumworker 17th Oct 17, 8:49 PM
    • 1,944 Posts
    • 11,015 Thanks
    museumworker
    I have been ridiculously exhausted today, to the point that several people commented on it. Assuming it's from the bike riding yesterday, clearly have much further to go in terms of building stamina.

    As suspected, I have left it too late for jabs for Morocco although it seems they're not essential for short trips. We will just need to be very careful regarding only sticking to bottled water etc. Might have had a bit of a meltdown on the OH as feel like I carry the entire mental load burden when it comes to holidays - the planning, researching, booking, communicating with house swappers, hotels, travel insurance, booking car parking, hire car etc. He has now taken the initiative of asking for the paperwork to print off, so that's some progress. The main thing is the kids jabs need to be up to date, I know DD2 is, but DS isn't so will try and see if can book him in on Friday when a doctor is around to get them done.

    Had to buy lunch as OH hadn't made any, luckily a yummy chicken laksa soup was on the menu so didn't feel so bad spending £3.66 of my pocket money on it.

    Bought a pumpkin from Mr S when collected prescriptions as can claim the whole £2 back via TCB sh0p and snap! Great freebie as we would have bought one anyway.

    Dinner was last of the leftover pork, tamarind and apricot stew, with some leftover rice from yesterday fried with greens.

    Now just about to summon the energy to bake some brownies for a friend's birthday tomorrow. The best ever brownies apparently... will report back!

    I got her a book via Am@zon, managed to use two student discounts at once so got £41 of books for £21! Bought school book DD1 needed anyway, another book as a gift then discount also got OH a free cookbook which I will stash away from Christmas. Say will, because I chose the no rush delivery for a FREE £1 credit on my next kindle book . I also had £6 in vouchers so only £14 odd spent in hard cash .

    YNAB up to date and all looking ok, a few minor overspends but also some underspends too, so we're in the ballpark.
    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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