Pay off mortgage and start having fun!

newgirly

We had a great day yesterday, I took the kids to madame tussauds and we got lots of photos with the stars! Then lunch and a trip to their fav comic shop, and as Dad paid for lunch and we got in MT free with the passes I only spent £3.20 for ds2's ticket as he has lost his oyster card, so a nice cheap one

Today I have to catch up with washing/cleaning etc. as the rest of the week is busy as well. I was going to take them all to see skyfall today (orange weds) but dh is going tonight so I think they can go with him instead, I do want to see it but as so tired at the moment I'm not sure I will make it.




Todays small to do list is:

• Draw out £200 grocery for the month(need a seperate purse for this as well)
• do all washing
• do all ironing
• look up reciepes for dinner tomorrow with friends......done
• clean bathroom/kitchen/hall
• check accts.........done
• if time try doing some meal planning and look at whats in cupboards already
• surveys
• finish unpacking from monday ..done
• update signature
• make laundry gloop........done

LauraWxx

KolaKube wrote: »

Hiya newgirly!

Congrats on clearing the overdraft, must be a good feeling

Glad Alton Towers was fun!

Mmmmm baileys...! I believe MrT are doing 1L for £12 at the moment! You could have one for me seeing as mini-Kube and I won't be drinking until Feb. Just sayin... :rotfl:

is that offer still on do you know??!!! I need to buy one of these for an xmas present and the cheapest I thought was £15 at Asd4....will have to try to check Mr T out!

gallygirl

LauraWxx wrote: »

is that offer still on do you know??!!! I need to buy one of these for an xmas present and the cheapest I thought was £15 at Asd4....will have to try to check Mr T out!

It's £12 in Mr M as well .

newgirly

Thanks GG, I'm having go at making baileys and chocolate cheesecake this afternoon I shall be serving it with a baileys dressing Mmmm,:beer:

newgirly

I've just been updating my signiture and the mf2012 challenge figures. I am not even half way to my target this year
Nov and Dec should be good figures but even if I stick to the £200 grocery budget and don't spend a lot at xmas (going out, as presents nearly done) I will be lucky to hit £7 k out of a target of 10k for this year.


Here are some of the reasons for overspending this year :

• about £700 on a kitchen makeover
• £1000 is on centerparcs weekend :eek:
• £500 ish spending money for devon holiday
• merlin annual passes £450 ish
• extra petrol/spending on theme park days out £200?
• 2x weekends to alton towers (cheap hotel though )£400?
• dh's 40th party/weeknd away/extra presents £600 ish?
• bit of ikea furniture to turn conservatory into study £200
• changed our almost new car for a 2nd hand 7 seater £1700

When its all written down it looks TERRIBLE! A total of £5750, which is not much less than the op's will be at the end of the year. Not sure why things have gone so wrong this year as the previously I had done so much better. Living costs are still very low, but the savings are going on treats. I must do better :cool:

newgirly

:j Just redeemed my first survey voucher in ages - £10 for mr s food shopping, so I will op the same amount to the mortgage. Plus halifax reward of £10 this morning.

I have £200 cash for food this month and £60 surplus for petrol and everything else eek!

If I can stick to this I can make a mortgage payment of £1507 (£405 interest) this month which is the very worryingly the monthly payment I HAVE to make to clear it in the remaining term of 9 1/2 years :eek:

I'm off to do the first ever kitchen cupboard "stocktake"

newgirly

Another hectic weekend, we had a day of decorating yesterday as whilst making dd's bed I found her wallpaper peeling off, on closer inspection it all had mould behind it :eek:
I've been nagging her for weeks to get the windows open and not keep wet towels in her room :mad: So a whole day spent stripping paper, bleaching, treating with anti mould and painting.

Last night we had my parents for a takeaway which dh paid for, today we are off to see bond, again dh is paying. Its very nice to have a treat , but maybe his monthly budget is too high


I have spend £11.88 out of this months budget for food so far, I don't think I will do any "big" shops just a couple of days at a time. I also made the rash descision to fill up the car 3/4 full with petrol which cost £50. I now have £0 money this month except the food budget. is it possible for me to last without anything?

never_too_old

We have to have a dehumidifier going in my daughters room as the condensation is terrible.Towels on floor are common as well.typical girl i think.:)

sillyinthepast

At least you delt with the mould ASAP. Has it got her to open windows now? I think you can do the no spend this month have a look at a few blogs where they didn't spend last month - frugal queen etc.

Peonie

newgirly wrote: »

I have spend £11.88 out of this months budget for food so far, I don't think I will do any "big" shops just a couple of days at a time. I also made the rash descision to fill up the car 3/4 full with petrol which cost £50. I now have £0 money this month except the food budget. is it possible for me to last without anything?

Good luck. If you are not buying presents then I think you can do it. Just stay away from any shops.