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SmlSave MFW diary - where to start?

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  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wedding planning is coming along well then SmlSave! My boss and his fiancee are planning theirs at the moment so I have weddings coming at me from all angles, as it were!

    I really admire people who can keep spending diaries - I've often thought about it but am pretty sure I'd not manage to do it - I have enough troubles keeping the inventory of my freezer contents up to date!
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • SmlSave wrote: »
    Hello and thank you SparkleBlack, what a cool name - does it stand for something in particular?
    Thanks. It would be good to have a reason but it was really a bit of a random word choice!
    SmlSave wrote: »
    I'm pretty sure that calla lillies are in season in the summer but are generally more expensive than other flowers you can get - but I've got my heart set on them :smileyhea
    Oooh, they're lovely. And as they're in season in the summer, I'm sure that counts as money-saving :D
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    SmlSave wrote: »
    Was hoping for a NSD today but had to pay £2 twoards my overdue book at the libary :o

    TUT TUT :naughty: LOL
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    I'm sure nobody will be surprised to hear that I keep a spending diary/ spreadsheet and have done for 6 years in May - LOL. It's definitely worth it, as over time you can see exactly where your money is going. Also you can start to try to beat what you've spent in the past.

    Also there is no hiding from what you buy as you have to confess all to the spread sheet:naughty:!
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    TUT TUT :naughty:

    I know, I know :o

    I've brought lunch in with me again with lots of fruit so it should hopefully be a NSD with a five a day as well ;) ...does cider count as a portion of fruit? I'm off to the pub tonight after swimming (which will then be my second gym visit this week :j)

    A handful of loose change went into the whisky bottle last night, I'm very tempted to count it but will try to wait as long as I can!
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • StuartGMC
    StuartGMC Posts: 2,175 Forumite
    SmlSave wrote: »
    ...does cider count as a portion of fruit? I'm off to the pub tonight after swimming (which will then be my second gym visit this week :j)
    If you are drinking real cider with a sediment and a kick like a mule (scrumpy in my youth) not the filtered gas-saturated stuff on offer in most places, probably yes. It's a pity you can't get it as easily these days as a keg on the bar... now I've gone all misty eyed in remembering those far off days.....:beer:
    A handful of loose change went into the whisky bottle last night, I'm very tempted to count it but will try to wait as long as I can!
    I trust this was an empty bottle, or if not, it was simply a blend not a single malt, otherwise I'll have to arrange retribution!
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Hope everyone had a good weekend!

    Unfortunatly I was drinking the processed cider Stuart :o I went into Sainsbury's and got a bottle of every different cider I could find, even the cloudy one I found had too much sugar!
    I trust this was an empty bottle, or if not, it was simply a blend not a single malt, otherwise I'll have to arrange retribution!

    A blend and empty too :D I like single malts but OH mixes them all with lemonade :confused: so I've given up and only buy blends now :rolleyes:

    Spends

    £12 alcohol :beer:
    £12 dancing
    £2 breakfast - I woke up very late today and ran into work with no breakfast or lunch, got my free meal deal from Boots from all my spending last week!

    Good News! :T We've preliminlary booked our venue and the registrars for the 7th August 2009! Yay! :D

    We also found the fabric we want for the waistcoats and MIL is 'making' roll-ends so we can get them cheap. :D

    A productive weekend for us - we also put up two shelves that have been waiting for ages :rolleyes:
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • StuartGMC
    StuartGMC Posts: 2,175 Forumite
    SmlSave wrote: »
    A blend and empty too :D I like single malts but OH mixes them all with lemonade :confused: so I've given up and only buy blends now :rolleyes:
    Shocking that you had to give up the malts; surely you could have just banned OH from them???!!
    Good News! :T We've preliminlary booked our venue and the registrars for the 7th August 2009! Yay! :D
    Wonderful to hear you have the date set, just watch it accelerate towards you like an F1 car from now on!
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    SmlSave wrote: »
    ..does cider count as a portion of fruit? I'm off to the pub tonight after swimming

    signs_107.gif :rotfl:
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    :rotfl::rotfl:

    I brought lunch in today but spent £7 on some nice jewelry for the wedding

    Also forgot that I spent £10 on a ww cookery book on Saturday :o

    I got OH to agree to open an ISA after the wedding for saving towards over-paying the mortgage :j He's worried that when we come to remortgage next year the bank won't lend us as much as we need because of the house prices falling.

    It means that double glazing is delayed again thou
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
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