Pay off mortgage and start having fun!

newgirly

It's mums birthday today, we will go for coffee at the shops and then come back for everyone to ours for cake later. I had not thought about cake until today so it will be a shop bought , unless of course dad has bought one and that's highly unlikely :rotfl:

So plans for the rest of he year :

£7,108.56 off he mortgage balance

£396 off he 0% cc

£1857 off the loan- that's incl interest need to check actual amount

Pay for Xmas - presents all bought or budgeted for

Xmas food and drink- paid for with m and s vouchers (opened new current account for this)

Find money for our Xmas market night away with best friend and her hubby - hotel paid for, petrol cost low just need money for meal and cocktails

£1000 food, drink , toiletries , cleaning washing stuff etc. Oct 1 st until new year

I decided to not try for a lower budget for the rest of my £615 pm budget, after petrol there should be about £130-150 pm left for everything else, the kids may well need extra clothes and he odd Xmas night out is defiantly in order :beer:

Other big challenge is to lose more weight for Xmas, total I wanted to lose this year I think was 43lb , so far (weigh in day is tues) it's about 18lb , still a long way to go!

Host a Halloween do, probably a family meal and drinks one of around 12 people.


I think that's it so far

newgirly

£15.35 left in purse and at least £10 petrol needed before the 1st :eek:

I do have £50 to draw out as personal spends this month today so I may have to borrow a little

CathT

newgirly wrote: »

It's mums birthday today, we will go for coffee at the shops and then come back for everyone to ours for cake later. I had not thought about cake until today so it will be a shop bought , unless of course dad has bought one and that's highly unlikely :rotfl:

So plans for the rest of he year :

£7,108.56 off he mortgage balance

£396 off he 0% cc

£1857 off the loan- that's incl interest need to check actual amount

Pay for Xmas - presents all bought or budgeted for

Xmas food and drink- paid for with m and s vouchers (opened new current account for this)

Find money for our Xmas market night away with best friend and her hubby - hotel paid for, petrol cost low just need money for meal and cocktails

£1000 food, drink , toiletries , cleaning washing stuff etc. Oct 1 st until new year

I decided to not try for a lower budget for the rest of my £615 pm budget, after petrol there should be about £130-150 pm left for everything else, the kids may well need extra clothes and he odd Xmas night out is defiantly in order :beer:

Other big challenge is to lose more weight for Xmas, total I wanted to lose this year I think was 43lb , so far (weigh in day is tues) it's about 18lb , still a long way to go!

Host a Halloween do, probably a family meal and drinks one of around 12 people.


I think that's it so far

Great plan, am tempted to do one too.

Your mortgage balance will nearly be in the 40's at the start of 2017, that's fantastic!

newgirly

Hi cath, defiantly do a plan, I love reading other people's for inspiration

Personal spends money not touched for food , but I have bought a board game on fleabay for Halloween - ghost castle, anyone remember it? My lot used to like it, I thought it would be a fun blast from the past after our spooky dinner also on my hit list is a Beatles karaoke game and microphone set, its my aunts 60th the week after our do and after a few wines we sometimes have a little sing along anyway (the girls and ds2 do anyway!) so I thought she might enjoy it, this year will be a strange one without gran here on on her birthday for he first time. I need to keep it secret from ds1 though he said he will arrange to go out that night if we do karaoke :rotfl:

Plus a couple of striped tablecloths from £1land and some more cobwebs and possibly a bottle spiced pumpkin baileys on offer for £10 if I can find it anywhere.

Went to see "the girl who all the gifts" last night, love a zombie film so 8.5 /10 , I have managed to lose my unlimited card already so need to find out about a replacement. dh

newgirly

Busy couple of days, Harry Potter and the goblet of fire this morning - 10/10 of course lots of washing and ironing done but the house is a tip and I am doing an early "Xmas" dinner tomorrow for my parents and brother plus dds boyfriend and his dd who my parents have not met yet, hopefully it will go smoothly!

Turkey defrosting, fingers crossed its ok or I will be doing a royal family Xmas special and getting dh to have a bath with it tomorrow :rotfl:

First day of the rest of the year budget wise £1000 until new year for groceries /toiletries etc. It sounds like a lot at the moment but it soon won't! Spendy couple of days with money had not budgeted for, Macmillan coffee morning £15 and another one to go to Saturday next week - at least the same again, but a good cause.
I did desperately want a takeaway curry tonight , not a homemade one, I even filled the online basket :eek: felt guilty and went and cooked a rather second rate one instead once eaten I was very glad I resisted though as for five of us it's a LOT. :T

Need to set my alarm early for tomorrow, not sure it will be possible to get it all done, my own fault for planning these things

AlexLK

Early Christmas ... why?! :eek: Please, don't tell me you have a tree already? :rotfl:

newgirly

:rotfl: no tree just a turkey and last year's left over crackers my parents usually do Xmas day so I do a dinner in November so they get to relax and be fed (and watch national lampoons!) It was going to be just a roast but dd said lets do it now so I thought why not. It's not too full on, turkey , gammon and sides, followed by Nutella cheesecake or sparkly strawberry and prosecco jelly- no cheese so it's not a proper Xmas dinner.

Turkey in oven, gammon in sc, lots to do!

newgirly

I am soooo stuffed _pale_ attempting to gain the weight I lost recently by means of dads homemade stuffing and my roast potatoes! Back on the wagon tomorrow.

It's Feeling very autumnal today and I'm wondering whether wishing the sun away was a good idea heating bill wise, how long is reasonable to keep the heating off? (whilst sharing a house with teens who wear t'shirts and boxers when it's freezing and complain the heating is too low!)

newgirly

Credit card statement has not been created and it was due to be on the 1st :mad: that often happens, so frustrating and need to get petrol today, the bank never know why it happens so can't do anything about it. Still it enforces a no spend situation!

newgirly

Credit card updated finally and a £59 shop done.

Went to see deep water horizon tonight (9/10) very moving true story, I was a bit annoyed by the rude people who walked out at the end credits as there were photos of the victims shown

Anyway, currently on the horns of a dilemma, or dilemma's really!

Dilemma one:

Buy dd a yearly oyster season ticket (with a 30% student discount- £1652 per year upfront)

Or

Payg with no discount except an attached railway discount card 30% off peak discount , plus full fares every other time

Or

bus pass yearly £580 ish I think , then payg for the tube.

It's impossible to work out!

Currently she will use buses every day to see boyfriend , go to work and uni, meet friends etc.

Uni is 3x a week for 3 lectures not incl. study time - earliest lecture 1pm (Off peak there) still with me :rotfl:

However she may get a part time job in London hopefully (someone we do work for opening a shop soon fingers crossed) plus she likes a wander on the tube - came home with borough market olives tonight as dh likes them

So bus pass and train journeys to uni only is abut £369 py cheaper than full pass per year , that s a big difference but how many extra journeys will she make? Have factored in the vast holidays they get to the payg figure too.


Dilemma 2 :


She has taken student loans for the tuition at uni, but not the further loan as she is living at home and I thought why get into more debt when we can pay for what she needs. Have I been hasty as will she pay the full amount back? and would it have been better to borrow the extra £7k py and invest it in a help to buy isa (or whatever they are called) therefore taking a gamble on future earning s being low

I am a little stuck with both these questions as they are clearly so variable!