Pay off mortgage and start having fun!

newgirly

Ok, well,I have just answered my own question really. I won't be using ynab as I have just found out they have switched from a one of charge to use $50 to a yearly cost of $50 :eek:

New options needed then!

gallygirl

newgirly wrote: »

Ok, well,I have just answered my own question really. I won't be using ynab as I have just found out they have switched from a one of charge to use $50 to a yearly cost of $50 :eek:

New options needed then!

Never used it, but can't you just take the principles and devise your own spreadsheets?

newgirly

Ahem, probably not no I use a notebook and pen usually!

Although I do fill in someone else's mortgage op spreadsheet online to see what effect the op's will have.

newgirly

Monthly spend budget for August:

£600


£360 grocery

£50 clothes and shoes

£60 petrol

£50 going out / treats

£50 misc spending

£30 holiday spending money (save in cash so will start sept as cc paid in arrears)

newgirly

£21 cash left in my purse plus coppers, new monthly budget starts Monday

I'm hoping to get the food budget under the £360 I have allowed for it as I'm not planning on buying alcohol which should help and hopefully I can use up some cupboard stuff, it would help towards saving for spending money for the 2 night cruise in September.

Lots of washing and cleaning to be done today, no plans for tomorrow yet but I might suggest driving to Leigh on sea tomorrow for a wander, not sure of dh is working or not yet though.

newgirly

Ironing done, house still needs cleaning though.

I've been out catching Pokemon with ds2 , first on foot and then in the car, great fun

greent

We've been catching Pok!mon too - a great tool to help while away the time spent in queues!

x

Pearla*Merle

I use an app called Accounts (search for Accounts 2 for the latest versions - there a free and paid - £1.50 - version). I use the free version and that fits the bill for me - you can track all accounts, have it set up for recurring payments and view spending/income reports.

I've used it for years and never really needed to use anything else

newgirly

Did you catch any rare Pokemon in Florida greent?

Hi pearla , thanks for popping by I hope you are well thanks for that I will go and have a look now. I can't believe ynab has gone from a one off payment to the same amount yearly, especially as it's directed at people who are probably more careful with money than your average person!

newgirly

I can make almost unlimited op's as of today :T plus I can use the cc for groceries - hooray

Rubbish weekend, dh in a bad mood stressed with work and unpleasant. Worrying about the company and our wages has taken the shine off my plans to get rid of the mortgage in July 2018 , that sounds so selfish I know but if I lose my job it's like the money loses much of the benefit it had.

Started trying to cheaply smarten the house up yesterday, glossed the kitchen and living room doors and frames and painted the cupboard under the stairs, the place defiantly needs work but nothing major will be getting done until after the mortgage, so for now it's white paint to smarten everything up for the next two years (or more!)