MoneyQueen’s MFW Journey and Daily Diary

Floxxie

MQ,

Free insertion fees on ebay tomorrow so no excuses!

Floxxie

MoneyQueen

Am a bit late in posting the update for September mainly because last couple of weeks have been very busy at work but here it is now

Update for September

Monthly Salaries = £4586.68

Mortgage

Balance = £ 98314.40
Interest Rate 1.29%
Monthly Payment £873.81
OP done in September £0

Savings (These are all Net Rates)

Reg Saver 4% Expires Feb 2010 Adding 25 per month = £2350
Reg Saver 4% Expires Feb 2010 Adding 25 per month = £2100
Reg Saver 4.8% Expires Mar 2010 Adding 250 per month = £1075
Reg Saver 4.8% Expires Mar 2010 Adding 250 per month = £1075
Reg Saver 5.6% Expires Nov 2009 Adding 500 per month = £5500
Reg Saver 5.6% Expires Nov 2009 Adding 500 per month = £5300
Reg Saver 6.4% Expires Nov 2009 Adding 250 per month = £2750
Reg Saver 6.4% Expires Nov 2009 Adding 250 per month = £2750
Reg Saver 6.4% Expires Oct 2009 Adding 250 per month = £3000
Reg Saver 6.4% Expires Dec 2009 Adding 250 per month = £2500
Reg Saver 5.8% Expires Nov 2009 adding 250 per month = £2750
Reg Saver 5.8% Expires Nov 2009 adding 250 per month = £2750
Reg Saver ISA 7% Expires April 2010 adding 300 per month = £1800
Reg Saver ISA 7% Expires April 2010 adding 300 per month = £1800
Fixed Savings 4.07% Expires Jan 2010 = £6000
Fixed Savings 3.72% Expires Jan 2010 = £8000
Fixed Savings 3.72% Expires Jan 2010 = £3200
Fixed Savings 4.08% Expires Jan 2010 = £5000
Fixed Savings 5.2% Expires Nov 2009 = £2939.61
Cash ISA Fixed 5.00% Expires July 2014 = £7218
Cash ISA Fixed 5.00% Expires July 2014 = £10589
Cash ISA Fixed 6% Expires Nov 2009 = £3655
Cash ISA Fixed 6% Expires Nov 2011 = £3644
Instant Access Savings Account 2.2% = £35.01
Instant Access Savings Account 2.2% = £35.01
Instant Access Savings Account = £1.03
Current Accounts + MB Float (This includes Moneybookers and Paypal) = £5008.81
Cash + Loose Change = £240 + £33.07 = £273.07
Euros - £195.98

Total Savings = £93294.52

Debts other than mortgage

Balance to be paid to a Credit Card in Jan 2010 (currently 0%) = £2,597.40

Balance to be paid to a Credit Card in Oct 2009 (currently 0%) = -£298.89
Balance to be paid to a Credit Card in Jun 2010 (currently 0%) = £1458.74
Balance to be paid to a Credit Card in May 2010 (currently 0%) = £5011.98


Total Debts other than Mortgage = £8772.22

Mortgage + Debts – Savings = £13792.10

SOA for September

Monthly Household Income (after tax) = £4276.95 (£4230.50 Salaries + £59.70 - Scratch Card/ Quidco Cashback/ Survey)
Mobile -£19.57
Mortgage - £873.81
Transfer to Regular Savings Accounts - £3650
Council tax (Paid by 0% Credit Card) - £0
Telephone and Broadband - £36.40
Fuel (Paid by 0% Credit Card) - £69.26
Electricity/ Gas (Direct Debit) - £35
Food & Groceries + work Expenses - £167.16
Shopping + Misc (Paid by 0% Credit Card) - £924.55 (This includes DH’s laptop, Car Insurance, Car Servicing + MOT, some toiletries and makeup from Boots, some new woollen stuff for both of us)
Credit Card Payment (0% Balance Transfer) - £25.00
Credit Card Payment (Purchases at 0% for 12 months) - £73.00
Credit Card Payment (Purchases at 0% for 12 months) - £44.00
Credit Card Payment (Purchases at 0% for 12 months) - £44.51


Elecricity – KWH/day (Will add later)
Gas – KWH/day (Will add later)
Grocery Spend £167/£100

Will update my signature now

StuartGMC

MQ
Staggering stats and well done on the movement forward

setmefree2

yay - well done :T:T

MoneyQueen

Thanks Stuart and SMF2

Floxxie, I haven't managed to put the stuff on EBay yet. :mad:

I am right now in the process of looking for new Saving Accounts as quite a lot of regular savers and fixed bonds are nearing the expiry date soon. Following is the list that I have come up with

All are net rates

Halifax - 4% - £500 each
Norwich & Peterborough - 4% - £250 each
RBS - 4% - £250 each
Barclays - 3.4% - £250 each

Will be applying for these accounts in the next couple of weeks.

DH's ISA will also mature in Novmber as he decided to fix his only for 1 year :mad:while I fixed mine for 3 years. So have to find another one for him before we go to India in December.

£ has plunged again in comparison to INR so that another area to keep an eye on in the next few weeks

MQ

MoneyQueen

SOA for October.. I will provide a detailed update later...

Update for October

Monthly Salaries = £4230.70

Mortgage

Balance = £ 97544.83
Interest Rate 1.29%
Monthly Payment £873.81
OP done in October £0

Savings (These are all Net Rates)

Reg Saver 4% Expires Feb 2010 Adding 25 per month = £2375
Reg Saver 4% Expires Feb 2010 Adding 25 per month = £2125
Reg Saver 4.8% Expires Mar 2010 Adding 250 per month = £1325
Reg Saver 4.8% Expires Mar 2010 Adding 250 per month = £1325
Reg Saver 5.6% Expires Nov 2009 Adding 500 per month = £6000
Reg Saver 5.6% Expires Nov 2009 Adding 500 per month = £5800
Reg Saver 6.4% Expires Nov 2009 Adding 250 per month = £3000
Reg Saver 6.4% Expires Nov 2009 Adding 250 per month = £3000
Reg Saver 6.4% Expires Dec 2009 Adding 250 per month = £2750
Reg Saver 5.8% Expires Nov 2009 adding 250 per month = £3000
Reg Saver 5.8% Expires Nov 2009 adding 250 per month = £3000
Reg Saver ISA 7% Expires April 2010 adding 300 per month = £2100
Reg Saver ISA 7% Expires April 2010 adding 300 per month = £2100
Fixed Savings 4.07% Expires Jan 2010 = £6000
Fixed Savings 3.72% Expires Jan 2010 = £8000
Fixed Savings 3.72% Expires Jan 2010 = £3200
Fixed Savings 4.08% Expires Jan 2010 = £5000
Fixed Savings 5.2% Expires Nov 2009 = £2939.61
Cash ISA Fixed 5.00% Expires July 2014 = £7218
Cash ISA Fixed 5.00% Expires July 2014 = £10589
Cash ISA Fixed 6% Expires Nov 2009 = £3655
Cash ISA Fixed 6% Expires Nov 2011 = £3644
Instant Access Savings Account 2.2% = £35.01
Instant Access Savings Account 2.2% = £35.01
Instant Access Savings Account = £1.03
Current Accounts + MB Float (This includes Moneybookers and Paypal) = £7770.82
Cash + Loose Change = £35
Euros - £195.98

Total Savings = £96218.46

Debts other than mortgage

Balance to be paid to a Credit Card in Jan 2010 (currently 0%) = -£2,572.40

Balance to be paid to a Credit Card in Oct 2009 (currently 0%) = +£77.94
Balance to be paid to a Credit Card in Jun 2010 (currently 0%) = -£1,479.56
Balance to be paid to a Credit Card in May 2010 (currently 0%) = -£4,961.87


Total Debts other than Mortgage = £8935.89

Mortgage + Debts – Savings = £10262.26

SOA for October

Monthly Household Income (after tax) = £4233.70
Mobile -£19.57
Mortgage - £873.81
Transfer to Regular Savings Accounts - £3400
Council tax (Paid by 0% Credit Card) - £0
Telephone and Broadband - £32.81
Fuel (Paid by 0% Credit Card) - £85.38
Electricity/ Gas (Direct Debit) - £35
Food & Groceries + work Expenses - £101.88
Shopping + Misc (Paid by 0% Credit Card) - £306.2 (This includes some stuff from Costco/ Lush/a present for a friend who had a baby/ DH’s dental check)
Credit Card Payment (0% Balance Transfer) - £25.00
Credit Card Payment (0% Balance Transfer for 9 months) - £50.11
Credit Card Payment (Purchases at 0% for 12 months) - £43.00


Elecricity – KWH/day (Will add later)
Gas – KWH/day (Will add later)
Grocery Spend £101.88/£100

Will update my signature now

Queen-Bee_2

MoneyQueen
One word.... Wow... oh yes, and well done!
QB

MoneyQueen

Hi Queen-Bee Thanks very much

No update for this month because I am in India at the moment:j:j
and do not have my excel sheet with me.

Take care everyone

I hope the weather is not very harsh in UK (It is wonderful here)

MQ

Floxxie

Hi MQ,

You enjoy the lovely weather there because it definitely isn't here.

Look forward to an update on your return.

Floxxie

setmefree2

Have a great holiday:D