2009 New Years Resolution-MFW Diary

Tesco_points_addict

I'm such a plonker, when I first posted we were in the middle of moving all our funds around and paying off some 'stooging' credit cards.

Now that I have sat down and gone over the maths and accounted for the two 'stooging' cards still to be paid off - we actually have £27,000 in savings...nearly fainted when I realised. We have been saving hard for a single story extension...though whether we will ever be brave enough to spend the money and get it..who knows!

For now we will 'tighten our belts' (hubbys expresion!) and see how much more we can save.

TPAx

PS will go and update my sig now!!

EssexHebridean

Welcome to MFW TPA! Sounds like you've made a good start - it is amazing where you can make small savings that all add up. I see the spreadsheet addicts have already got to you as well! :rotfl:

We're doing the "Live from the freezer" thing as well at the moment - I found that a full inventory of freezer and storecupboard contents proved to be helpful. Remember also to collect vouchers wherever you can towards your shopping too - every little helps, as they say! Have you checked out the threads over on the Old Style board? There is plenty over there that you might find really helpful.

Good luck - I look forward to following your thread.

StuartGMC

EssexHebridean wrote: »

. I see the spreadsheet addicts have already got to you as well! :rotfl:

EH, are you saying Gallygirl, SMF2 and I are addicts???
I think I'd better collate the data on this to see if it's true

gallygirl

StuartGMC wrote: »

EH, are you saying Gallygirl, SMF2 and I are addicts???
I think I'd better collate the data on this to see if it's true

This clearly shows the correlation between posting regularly on here and increased spreadsheet addiction, however, in my opinion it fails to fully show the related increase in determination to pay off the mortgage. Hope this saves you some work Stuart

Tesco_points_addict

EssexHebridean wrote: »

Welcome to MFW TPA! Sounds like you've made a good start - it is amazing where you can make small savings that all add up. I see the spreadsheet addicts have already got to you as well! :rotfl:
quote]

You are all nuts here....i'm gonna fit in well!!:rotfl:

Little_Mama

Hi TPA....good luck with your quest.

I find another quick win at this time of year is to use the money you'd pay in Council Tax and Water Rates (assuming you pay 10 months out of 12) and pay it straight off the mortgage, for us it's about £400 in two months which would be coming out the account anyway, so we don't miss it.

Good luck with the no alcohol, not sure if I could quite manage a year without.

LM

yollyp

I salute you guys for keeping up with your promises. Big bucks comes from that small savings. Hmmmm got to follow your links..I have mine that needs fast eradication..:j

setmefree2

Little_Mama wrote: »

I find another quick win at this time of year is to use the money you'd pay in Council Tax and Water Rates (assuming you pay 10 months out of 12) and pay it straight off the mortgage, for us it's about £400 in two months which would be coming out the account anyway, so we don't miss it.

Ditto that's the good thing about Feb, March & April:D

Tesco_points_addict

Little_Mama wrote: »

Hi TPA....good luck with your quest.

I find another quick win at this time of year is to use the money you'd pay in Council Tax and Water Rates (assuming you pay 10 months out of 12) and pay it straight off the mortgage, for us it's about £400 in two months which would be coming out the account anyway, so we don't miss it.

Good luck with the no alcohol, not sure if I could quite manage a year without.

LM

A year without alcohol:eek: I never promised that, I said no buying anymore!! I have a large'ish' stash in the garage so shouldn't be too difficult:rotfl:

Council Tax we pay over 12 months as better in my pocket than theirs! Water i'm not sure about, we are on meter...I think it is 10 months.....aw I pants, will go and check it out!

TPAx

Tesco_points_addict

Had a good 'No Spend Day Today' am well pleased with myself.

Did 70 miles for work today so will be claiming that back quick smart

Finally got the quote from out builder today for the extension

Single story - between 17 - 24,000:eek:
Double Story (is that whats its called?) - 30,000 - 40,000:eek:

When we were looking to move about 3 years ago we sadi we would only buy a house with two loos!!! Ahem well the house we choose only has one bathroom! To cut a long story short to enable us to get a down stairs loo we need to extend into the 'side return' behind the garage, we will get a much bigger size kitchen diner out of this too though.......but all those £££££
Ahhhhh I just dont know what to do

TPAx