Baby steps to being mortgage free

cha97michelle

Not read your diary for a few weeks, but sounds like the general pattern is you are being productive and heading in the right direction.

I hope you hear back about the lodger as she sounded perfect. Even if you have to drop the price a bit it will make life so much easier for you.

pammyj74

aww thats a shame about the lodger hun, it could be fate though

Baby_steps_2

Still no potential lodgers around which is a bit of a shame. Have paid a load into savings this month and will try to keep the spending on the 0%CC down so this shows and I've already treated myself (out of my spends money I might add) to two lovely new work dresses from wallis. These were £35 for two reduceed from £95 in their sale. They are lovely as well and I tend to wear stuff like that a lot so I feel they were worth it.

Other than that not much mse news, been good with the weekly spends as a had paid for a cinema trip with a friend last year as she was skint so when we went on Wednesday she treated me which made a cheap fun night.

I am still on target to fill my ISA limit for this year which has been a big aim for me so as to try and maximise the amount of savings I have in tax free accounts as next year I should easily exceed the allowed amount so I have tried to do a bit of financial planning.

Hope evryone is well and will update after the weekend, I am planning on not drinking on saturday night to reduce the costs but we will see how this goes!!

Baby_steps_2

Well just wanted to say I was a very good girl last night. I went out but didn't drink and drove so saved myself a fotune yet still had a fun night. That will hopefully mean I will manage to stick to this weeks budget as I have a lot of things going on next week so a cheap sat night worked out well.

My car is up for renewal soon so need to ahve a think about what I want to do with thet.

Hope everyone is well and having a lovely weekend. xx

CathT

Well done on saving the money on your night out esp as you had such a good time anyway. Will keep my fingers crossed about the lodger for you - keep us posted.

Baby_steps_2

Well guys you will be proud of me today, I turned down a trip to New York in February half term. As much as I would have loved to have gone I have been a couple of times in the last few years so have done all the sites and lets face It I don’t t really have any extra cash at the minute for shopping so I said no.:eek::eek:

I am totally gutted as would have loved a fun holiday but I know for once in my life I’m making a sensible financial decision. TBH I personally think I was just dreading owning up to it on here, knowing I can’t really afford it at the minute:rotfl::rotfl::rotfl::rotfl::rotfl:
So the nice holiday will have to wait till summer when I have saved up a bit of spare cash.:cool:

Baby_steps_2

Hi guys,

Been a while since I checked in this month, but thats because for once I have nothing to confess or own up to:j:j:j

I'm having a really good month financially. I have stayed within budget on every area of my plan and even saved some in other areas.

Next month is all going to be change for me, new place of work and office location to deal with. Work are paying our travel expenses for the first 3 months so thats good and I'll be taking advantage of it!!:beer::beer:

I have kinda bought a bike to reduce the cost of my commute and if I enjoy it I may even cancel the gym membership saving more money.:p I am doing this through the cycle to work scheme so it reduces the amount of tax I have to pay etc. I am actually really looking forward to getting started and doing some regular exercise.

Hope everyone is well, only one more week to payday for me and then I can report on this months progress.:T:T:T

pammyj74

Firstly really well done on turning down the new york trip, knowing you dont need it. Thats progress hun

Also :j on staying in budget and staying clear of temptations. You should be really proud of yourself hun xx

I would love to be able to cycle to work. Though not sure I would keep it up in the cold weather!!

Baby_steps_2

Thanks pammy, see I am getting better at thinking before I spend. As for the cycling to work thing we will just have to see how it goes but I have a feeling I might really start enjoying it and just think of the water/elec I will save showering in work!!

pammyj74

even better lol, dont think i would like to have a shower at work tho haha