MF by the time I'm 50?

earthgirl

So sorry to hear about Cornwall, but glad you are being looked after, and get lots of rest - if it carries on insist on a scan!! Thinking of you

Kittikins

Gulp, managed to transfer £440 into the savings pot just now, as I've been paid and seemed to have this huge surplus (wonder what big bill I've forgotten about, lol.....).

The pot is nearly at the amount I need for the holidays, woo hoo!! £722.95, I think I'm less than £100 off now, apart from spending money.

deefadog

Don't you do all your bills via Direct Debit? Best thing i did - by the 5th of each month i know all the bills have come out, so i can organise :beer:

Kittikins

Ah yes I do, but I also try and put aside money each month for things like car service (needs one soonish...), house insurance etc etc and I'm wondering if I've forgotten to do that kind of thing and will have a scary shock soon, lol.

It may just be though, that now DD is at school and goes to a cheaper childminder for fewer hours than she used to spend at nursery, that maybe just maybe, my financial nightmares are receding

Louba

Woo hoo! Well done. I hope you're feeling much better. I need to build in some sort of reserve savings for emergencies and car services too - I think I'll make that the task for the weekend

Kittikins

Hi Louba, I try and split things down:

car
tax £165/year
insurance £300/year
service £200/year
MOT £60/year
emergency £300/year (this can get used for car or house emergencies but it's usually the flipping car needing tyres or expensive air sensors!)
£1025 year / £85.41 month

House
insurance £300/year or £25 month

When I'm feeling in the mood, I try and put aside money for the dentist and clothes, but that rarely happens, it's just far too darned organised Luckily I have an NHS dentist who has nigh-on cured me of my dental phobia :T

Oops - just had a bout of paydayitis...have splurged on lovely duck duvets on LaVra A$hley for me and DD as I'm fed up of our synthetic ones not hugging our bodies on cold nights (at parents house we have good duvets and we're both sleeping better, I've done research and they are cheaper than other places, so not totally naughty) and a gorgeous dress for me that I've been coveting for months and it's now £30 cheaper than it was earlier in the season.....

*hangs my head in shame* I could have lived without the dress but I can justify it as it's so gorgeous

Kittikins

Oh blast, and another £85 today for a fab set of saucepans.....I do need them, as I currently only have one pan! At least I got them with 15% off, free delivery and eventually some cashback via Qu*dco

At least everything I'm buying at the moment is NEEDED (hope noone remembers the dress, lol) and I am 90% done for Christmas - need one more pressie for DD (probably M**n sand) and a present for my parents (hard to buy for these days *sigh*), so maybe I can get my NSD target and start putting money into the flipping mortgage again soon!

earthgirl

Iknow I am struggling to find extra OPs at the moment, everything seems to be going out as soon as its coming in! When spending all that money on presents you do need to get things for yourself as well - especially if you NEED things!

Louba

I love my duck duvet but OH finds it too warm The duvets will last for ages (aside from making you all snuggly and warm!) so over the life of them you'll get to put the cost of a few cheap ones to the mortgage and more than make up the difference

Thanks for the breakdown of costs - the weekend's task or one of them os to do my figures and include all of these :A

Kittikins

Hoorah! Just worked out that when my expenses are reimbursed this month, I will have enough in my savings pot to pay for both holidays already

So, I'll be back to overpaying very soon, what a relief! (Note to self: Keep away from holiday brochures, lol).

Back home now, achy and tired and hope that the doctor will sign me off work this week as I can't imagine being able to sit at a desk all day, but worried that he might not be sympathetic - hate being sick but also don't want to go in!