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  • FIRST POST
    • museumworker
    • By museumworker 15th Jul 17, 10:22 PM
    • 2,002Posts
    • 11,424Thanks
    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 16
    • museumworker
    • By museumworker 9th Nov 17, 6:52 PM
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    • 11,424 Thanks
    museumworker
    Thanks wish for the kids words, I’m exhausted today but managed to meet the deadline which is a huge relief. I also made some progress on another project so feels good to end a bit of a strained week on a better note.

    Mid-month (or at least half way between pay packets) and very little to report money wise. YNAB is up to date and we are doing very little spending. I did treat my sister to a nice Peruvian meal on Tuesday, and we also got a free cocktail each as they’d been slow to confirm my booking. It was a really nice evening and was covered by my pocket money. OH has returned a Xmas gift and the laddered Spanx so have some funds due to come back. No news on the £1700 hire car charge though .

    We have some spare rice to use up tonight, and OH has said he will cook so will suggest some rice cakes, if we have the ingredients.

    Tomorrow I have my second week of the cheap cookery class, onion soup and Singapore noodles. Guess what will be on our meal plan next week?Just downloaded the free cookbook from Tiny Budget website so want to incorporate some of that into our planning too.

    Hoping for an early night and a little lie in... I can hope, at least!
    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
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 9th Nov 17, 8:52 PM
    • 3,938 Posts
    • 36,309 Thanks
    Secret Saving Squirrel
    Please share the Singapore noodles recipe- I love them and they are an expensive takeaway considering the ingredients!
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • museumworker
    • By museumworker 10th Nov 17, 10:09 AM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    Will do SSS! Just had a lovely lie in til 920 Having breakfast and a coffee in a quiet house is such a treat. However the place is a tip and the cleaner will come soon so need to start tidying. Today’s ta dahhh list is a bit scary:

    * Sleep in til 9
    * Mindfulness
    * Tidy house
    * Bag some things for charity
    * Book Sunday lunch for me/DD1
    * Write blog post
    * Send parcels
    * Cooking class
    * Collect dress
    * Collect parcel
    * Collect advent calendar
    * Comping shop
    * Collect kids
    * Order yellow wellies and Spanx
    * Update YNAB
    * Sponsor 2x friends
    * Text friend 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
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th Nov 17, 3:57 PM
    • 652 Posts
    • 2,593 Thanks
    wishingthemortgaheaway
    Well item one of your ta dah list was achieved...

    Ps, I love the name 'ta dah' list. Stolen I'm afraid...
    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 11th Nov 17, 7:22 AM
    • 747 Posts
    • 6,483 Thanks
    pinkypig
    Please share the Singapore noodles recipe- I love them and they are an expensive takeaway considering the ingredients!
    Originally posted by Secret Saving Squirrel
    Your cookery class sounds great. I love cooking but I'm not that great and get stuck in a rut making the same things. I think I might see if I can find something locally. I love Singapore noodles so if you wouldn't mind sharing, I'd also love the recipe.
    Hope things with DD1 are settling down. Is she doing GCSEs this year? If so I feel your pain
    Have a good weekend xx
    • museumworker
    • By museumworker 14th Nov 17, 9:14 PM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    Thanks PP, had a really nice weekend. GCSEs are next year thank goodness. I will share the Singapore noodles once I’ve cooked them at home to make sure they work out as well as the ones I made in class.

    Weekend started off not great, found out one voucher planned to use with OH on night out not valid on Saturdays and the one planning to use with DD1 had already expired

    But all was not lost... agreed we’d still go out but go halves from pocket money. Found out that keg of beer I won last year for local craft brewery via twitter was still valid so had 2 free pints (worth £8). Then we tried a local pizza place, the food was really good. Babysitter was a swap so only cost £17.50 each for a night out. Still have 51 pints to drink in local brewery in the next year too

    We took kids out together on Sat to local pop up cafe with giant marble run for kids, then a walk in nearby new nature attraction. Total spend £5 on coffee.

    Took DD1 to free history talk on Sun with tea and cake in nearby cafe. Total spend £11. Was nice to have some time together and she enjoyed the talk, which is related to her GCSE topics. Have made plans for another outing together once her exams are out of the way, and we’ll watch a documentary together later in the week.

    Food spend about £60 this week which seems a bit steep, but did include £4 of dummies I want to return, and some very overpriced oyster sauce from Mr T. OH is trying his hardest so need to be a bit less critical when he comes home from the shop overbudget.

    And looks as if charges for car are finally settled, looking most likely to be £130. I still think they are scamming us, but just glad the whole debacle is nearing the end. We’re due a refund this week for the rest of our deposit apparently. Lesson learnt about purchasing independent damage waiver insurance and photographing hire cars more closely before and after the hire.

    Postal survey up to date and just about to update YNAB. 10 days til OH gets paid and I’m feeling the itch to do something financially crazy! Good news is have a night out with friend tomorrow and have won a pair of tickets to a food festival on the weekend so a couple of things to look forward to that can use my pocket money on.
    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 18th Nov 17, 11:15 AM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    Gosh! The weekend already!

    A few MSE things to report:
    * felt ill so didn’t go to food fair, saving my pocket money
    * BeeTee not charging me for landline at the moment (good, as it’s not working) meaning monthly broadband only £14 instead of £30 budgeted
    * Company will resend backpack for DD2 that went missing in the post. Great news as bought with £20 off voucher that I doubt would have been credited
    * £25 received from fleabay credit, and transferred to house account
    * £1.79 claimed from TCB
    * free cookery class yesterday, made saag paneer and an Italian ragu
    * food shop for week £56 ish after voucher reclaims, that will be delivered this evening
    * cheapish day out at outdoor trail planned today, bit of petrol and £3 in parking
    * kids party tomorrow, ordered present using vouchers so no costs there
    *YNAB up to date and all looking positive, we have even saved £150 towards our Christmas meals out next month
    * OH gets paid in 6 days, woohoo!

    BAD NEWS
    * mobile phone has died so will have to look at buying a new handset
    * kitchen tap broken so need to buy a new one and pay someone to fix it
    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 20th Nov 17, 6:10 PM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    An MSE update:
    * Cheap weekend, we ended up going to a free museum family festival, £6.40 in parking but all activities and entry free, we had a lovely day out
    * kids loved the party yesterday completely free day out
    * £29.99 cheap mobile handset only bought via cashback site (due £20, although currently showing as £10 so will report when confirmed). Due to collect tomorrow. This will work as a festival phone/spare handset once I'm ready to choose another smartphone but gets me out of the lack of phone situation I'm in.
    * evening out tonight, will overspend on pocket money BUT will claim my work expenses tomorrow which will up the pocket money account. Please shout at me if that's still on my to do list later in the week
    * sorted out a wardrobe at home, three bin liners ready for charity, and equivalent of four bin liners to the tip for recycling. This was mostly excess bedding and unused 'hobby' equipment. Most proud as OH and I worked as a team on it, and we are one step closer to updating DD2's room.
    * bought beauty advent for DD1 reduced from £19.99 to £7.99, so all kids now sorted for advents
    * about to buy the first few beers for OH to have a beer advent calendar, thought it would be nice surprise and can do a different craft beer a day for about £30-35
    * Checked in with accounts and YNAB updated
    * Only 4 days until OH gets paid !
    Last edited by museumworker; 20-11-2017 at 6:13 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
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 20th Nov 17, 6:26 PM
    • 652 Posts
    • 2,593 Thanks
    wishingthemortgaheaway
    Do you have a costco near you and a costco card? I've just bought hubby the craft beer advent calendar for £30 exactly, don't think I could make it for less than that.
    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 24th Nov 17, 4:11 PM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    That sounds like a bargain wish! I don’t have a Costco card am afraid but can look into getting one for future purchases. My beers with discounts are coming in at around £1.27 each so far which isn’t too bad but £30 all in sounds like excellent value.


    MSE wins:
    * Work expenses submitted and approved (£35)
    * Dumb phone collected and in use
    * Won 3month taste card from mobile phone purchase
    * £5 shopmium refunds claimed today.
    * Half price meat from meat counter + staff discount so beautiful 2kg of AA beef topside for £10.20, will freeze for Boxing Day; organic pork chops £3.80, and 1.4kg of pork shoulder roasting joint for £4.75.
    * Rest of deposit from car hire company returned to credit card (£1520).
    * Cost of alleged repairs £170, need to find in next month’s budget but at least the ordeal is over. Have submitted claim to credit card so small chance of refund.
    * Bought 3x more craft beers for OH advent at £1.27 each.
    * DD1 advent collected, bought for £7.99 reduced from £20
    * Read book on kindle had already purchased
    * OH paid and monies allocated in YNAB ! Can’t cover all our costs and savings targets this month at the moment, probably not even when the rest of our monies come in. December will be very tight, although we have only 4 weeks to payday which might save the proverbial bacon
    * DD1s flute dropped off for service (budgeted for)
    * Run some figures and looks like financial targets for next year are to a) contribute all of OHs income above basic tax rate band to pension contributions. This works out at 32.5% b) increase my pension contributions to 9% to take income below personal tax threshold. That way we are making the most tax efficient savings possible c) split any remaining savings between mortgage overpayments and stock market investments
    * Moved timings of spa session OH booked for us to gain an extra hour use of facilities
    * Booked free evening out next week with food, drinks, and chance to win money
    * £3.26 TCB claimed
    * £25 received from fleabay
    * Been listening to financial podcasts on 1.5 speed so getting even more hints and tips!

    Mindfulness and health
    * Realise mindfulness is taking a back seat in this journey, so from next Monday I have to pay 10p a day (discounted cost of headspace membership) each day I do not listen to it.
    * Planning to enrol on family course related to DD1 health, which will cost £100. Much needed but an unbudgeted expense.

    Financial fails:
    * need to put DD2 in pull up pants for a few weeks for nursery. Will buy from Lidl to minimise costs
    * Still have to find £150 for tap replacement, £170 for car hire damage and £100 for health course this month
    Last edited by museumworker; 24-11-2017 at 4:14 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
    • WorldTraveller
    • By WorldTraveller 24th Nov 17, 4:18 PM
    • 19 Posts
    • 32 Thanks
    WorldTraveller
    I'm new here and just wanted to post some words of encouragement. We paid off our mortgage last week, which only took us ten years of the twenty five year term. We made lots of overpayments and lived quite frugally (I'm naturally a frugal person anyway so that wasn't too difficult, though we do allow ourselves some luxuries like little breaks abroad if we find cheap flights!). When the balance was still quite high it felt like it might go on forever but we're there now and it's a wonderful feeling.
    • museumworker
    • By museumworker 24th Nov 17, 4:26 PM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    Also had last day of cookery school, will really miss it! Did vegetable fajitas and soy chicken, both easy and cheap. Lots of the volunteers had cooked side dishes and cakes, which was really kind. I stayed later to help wash up and was unexpectedly offered two free bags of food that were leftover so think have 2 free nights of dinners ! Still have 4 dishes on menu from last week’s meal plan so won’t need to do too much meal plan wise, but will still do our monthly visit to Lidl to stock up on the store cupboard basics they do so well.

    I then had the best charity shop haul I’ve had in ages - two Boden dresses, one Boden top, one cos top, one loft tunic, a stripy f&f top and a beautiful black wool full circle coat all for £26

    So what with the free food and charity clothes haul I have had the best Black Friday EVER!
    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 24th Nov 17, 4:39 PM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    I'm new here and just wanted to post some words of encouragement. We paid off our mortgage last week, which only took us ten years of the twenty five year term. We made lots of overpayments and lived quite frugally (I'm naturally a frugal person anyway so that wasn't too difficult, though we do allow ourselves some luxuries like little breaks abroad if we find cheap flights!). When the balance was still quite high it felt like it might go on forever but we're there now and it's a wonderful feeling.
    Originally posted by WorldTraveller
    Wow, mortgage free - a huge congratulations
    It must be amazing - thanks so much for the words of encouragement and please do chip in with advice and suggestions.
    We love to travel too, hoping despite our massive budget cutting we will still get a few great holidays next year.
    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 26th Nov 17, 11:40 AM
    • 1,149 Posts
    • 6,711 Thanks
    themadvix
    That's a whole long list of wins, MW, and a great haul from the charity shop too!

    Hope you're having a good weekend.
    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 26th Nov 17, 4:28 PM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    Thanks vix! I had a lovely spa day and a really nice lunch afterwards. However I’m kicking myself for drinking too much yesterday evening so feel rubbish today. Plus we lost a bag of shopping at Lidl so now have £15 to write off our budget. We have enough in the stuff we forgot to budget category but it’s still galling. It included cheap thermals I was really looking forward to trying on my bike.

    The budget went out the window a bit this weekend - lunch (£46), paid for friend to say thank you for gift of flute. Drinks for friends over £22; £195 in Lidl ! Includes the £15 of write off, £12 of gifts, all our Christmas booze and the lions share of Christmas snack food... but still feels obscene. Oh, and £95 on clothes for DD2, nursery had an emergency meeting on Friday and asked us to dress her with joggers to make going to the toilet easier. We don’t own any so had to do a quick Mr A online order, although perhaps £10 of tops will go back as double checked her drawers and she has more than I thought.

    Time to cook our free food, am trying to stay positive as we do much to cut costs but still upsetting when we go off the rails or emergencies arise.
    Last edited by museumworker; 26-11-2017 at 5:10 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
    • themadvix
    • By themadvix 27th Nov 17, 12:06 PM
    • 1,149 Posts
    • 6,711 Thanks
    themadvix
    What a pain about the shopping!

    I'm sure you'll get the spends under control though with some budget shuffling - it look like most of it was very necessary!
    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 30th Nov 17, 3:13 PM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    Hey all, made it to payday, although whatever bug I’ve been battling with has finally caught up with me so came home early from work today. Will do end of month review once I’m feeling bit more with it.

    MSE wins:
    * YNAB updated, budgets reset
    * ys meat made even cheaper with PYO discount at Mr W - £40 of shopping for £18, plus free coffee and paper.
    * includes 1.8 kg of oxtail, so planning to make slow cooker oxtail stew tomorrow. Nom nom.
    * have hit £1400 savings target to buy OHs travelcard, which we will do via cashback card to gain £70 !
    * free night out included massage, makeover and manicure, as well as free food and drinks. Very enjoyable and definitely made me realise having my nails done makes me feel much better about myself.
    * loaded the AMEX shop small offer to my card ready for the weekend
    * Reading nomorehavarddebt blog from the beginning which am really enjoying
    * have worn all clothes bought from charity shop last week and really happy with them. The wool coat couldn’t have come at a better time
    * DD2 has finally got her mini backpack and loves it
    * I’ve only spent £1 of pocket money this week
    * I have practiced mindfulness every day except yesterday

    MSE fails
    * looks like we’re keeping all the clothes I bought for DD2 last week. Ouch. That £95 really sent us over the clothes budget.
    Last edited by museumworker; 30-11-2017 at 3:17 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 1st Dec 17, 12:23 PM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    In bed, throat is agony and can’t motivate myself to do anything. Please send well wishes and energy this way!
    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 1st Dec 17, 1:43 PM
    • 652 Posts
    • 2,593 Thanks
    wishingthemortgaheaway
    Definitely sending you virtual chicken soup.
    I'm stuck on the sofa under a poorly toddler. This is the little boy who's normally too busy playing to do cuddles. Looks like I'm getting an entire year's worth of snuggles in one day. (Just wish it wasn't because he's poorly)
    Get well soon mw, just remember, if you are in bed, you're not spending.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • museumworker
    • By museumworker 1st Dec 17, 2:11 PM
    • 2,002 Posts
    • 11,424 Thanks
    museumworker
    Thanks wish, hope your little boy gets better soon (and at least you have snuggles to enjoy!j

    Just done my November money summary and am totally baffled. It appears to say I spent and saved more than I had, but not according to YNAB. The only thing I can think is that YNAB is including funds I already had available, and some of Decemvers funds which came available in November. Either way I’m not overdrawn but does look like I overspent last month.

    November budget - actual vs forecast

    TOTAL INCOME ACTUAL £3816.51
    OH salary £1411
    Mortgage account top up from OH salary £630
    Salary £1318.13
    CB £192.40
    Maintenance £150
    Ebay £25
    TCB £89.98
    (NB Refunds are often credited back to same category)

    TOTAL OUTGOINGS ACTUAL INCLUDING SAVINGS £4178.71
    ACTUAL OVERSPEND £362.20

    Savings TOTAL £946.72
    Holiday fund £88.50
    OH Travelcard £196.54
    OH tax bill £586.67
    Breakdown cover £33.34
    Car insurance renewal £41.67

    True expenses £1468.22 ACTUAL (£1319.78 budgeted)
    Mortgage £623.15
    Life insurance £22.61
    Council tax £137
    Utilities £76
    Water £27.37
    Broadband £14.03
    Mobiles £37.25
    TV licence £12.37
    Groceries £350 budget; £515.44 actual
    DD1 travel £10 budget; £3 actual
    Interest and fees £10 budget; £0 actual

    Other expenses £1763.77 ACTUAL inc carry overs
    Professional subscriptions budget £0 ; £18.75 actual
    Childcare DS £350 budget; £335 actual
    Childcare DD2 £110 budget, carried over as not invoiced**
    OH lunches £20 budget; £30 actual
    DD1 lunches £20 budget; £26 actual
    Parking permit renewal £35
    Music school DD1 £187.30
    Other music expenses £110 added to pot; £85 spent; £55 carried over
    Voucher purchases £50 budgeted; £0 spent
    DS monthly magazine, £5 budgeted; £3.99 spent
    Travel insurance £9 saved
    Window cleaner £7
    DS swimming lessons £15.66
    Cleaner £144 budgeted £108 spent
    Petrol £45 budgeted; £45.50 spent
    Car MOT, service and tax £50 saved
    Home maintenance £0
    Home insurance £41.67 saved
    Medical £10 budgeted; £13.31 spent
    Clothing £50 budgeted; £116.12 spent
    Gifts £50 budgeted, £98.87 spent
    Giving £50 carried over**
    Computer replacement £36.74 saved*
    Software subscriptions £38
    Stuff I forgot to budget for £50 budgeted; £68.97 spent
    Pocket money £150 budget; £139.98 spent **rest carried over
    Family days out £15 budgeted, £11.40 spent
    Haircuts £15 **carried over
    Dining out £0
    Babysitter £0
    Xmas presents £50 budgeted; £32.49 spent
    Last edited by museumworker; 01-12-2017 at 2:18 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
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  • RT @efitzpat: Thank you SO SO much @MartinSLewis for your Student Loans refund advice! I just got a grand refunded right before Xmas! Whoop?

  • Have a lovely weekend folks. Don't do anything (fiscally) that I wouldn't do!

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