Pay off mortgage and start having fun!

newgirly

Credit card still not updated! It's now skipped aprils statement altogether and the next one showing is may! Nationwide have told me this is all due to bank holiday - it can't be as it's quite frequent. Petrol and food spends are now due a month earlier so I need to find another £142

On a more positive note, I did 100 lengths after work to try and burn off the eater egg Also we are off to york Friday week for two nights with the boys and my parents, driving though despite the new railcards as he prices have gone up , boo! Need to now find even more money as I do want to eat out a bit, it's the first break with them for a very long time and probably will be the last for a long time knowing them :rotfl:

JAMIEDODGER

I am sure you'll come up with a plan NG:) Enjoy your weekend with the boys x

themadvix

Wrote a longer reply but lost it.... Santa are equally as useless re the bank hol (and even weekends with them). Well done on swimming!

newgirly

Thanks vix and JD!

I'm almost tempted to start using a debit card instead but 1) it will add another month on our term as I work in arrears and 2) it's easy to keep track of spending when it's listed seperatly with online banking.

newgirly

Yet more plans!




Lots of re jigging today and I'm going to post what I spend for a bit - it's going to be tough and probably a bit embarrassing as I won't stick to budget this month

April:

£700 available

Spent :

£3.99 Amazon (music sub that for some reason goes on cc !)

£9.40 cinema - took ds2 to see ready player one today at the 4dx screen so paid a premium on top of pass.

£47.06 bomb cosmetics bath gift set order - 3 x birthday gifts plus two free gifts to add to them

£48.20 - already a bit embarrassing when trying to cut back, but Dd was home early last night so we had an unplanned meal the the local Indian and a fair bit of wine, includes tip, worth it for mum and daughter rare catch up

£170 passports - not sorted but coming off budget now

Left :

£421.35



Mortgage term plans

April: £72.97 interest £2,056 plus £25,000 loan to mortgage plus £447 loan

May: £72.97 interest £2,545 op £447 loan

June: £72.97 interest £2,545 op £447 loan

July: £72.97 interest £1,557 op (remainder kids birthdays) £447 loan

August: £72.97 interest £2,545 op £447 loan

Sept: £72.97 interest £2,545 op £447 loan

Oct :£447+ £2,618.67 loan

Nov: £447+ £733 loan (rest Xmas and Xmas break away)

Dec: £447+ £2,618.67

Jan: £447+ £2,618.67

Feb: £447+ £2,618.67

Mar: £447+ £2,618.67

April: £447+ £2,618.67

May: £447+ £2,618.67


Hopefully posting this will encourage me to refrain from splurges that are too big :rotfl:

newgirly

Friday to do list-

Take back summer shorts for boys they won't wear (already added refund to the accounts sadly!)

Check out walk in hairdressers in shopping centre, it has to be cheaper for highlights

Strip and wash beds

Do all washing

Clean whole house

Chase up loan again - they have paperwork now

Make healthy veggie ready meals to freeze

Find or buy birthday cards and paper

newgirly

Yesterday's list changed somewhat

Cheap hairdressers were not cheap at all , so I booked in for a last minute appointment at the usual place £61 plus tip for a half head - not including cut or blow dry. That has come out of the remaining birthday money though not from the super tight budget.

Yesterday's other spends from the budget were :

£6 eyebrow threading

£19.30 Sainsbury's top up shop

So £396.05 left


Also popped in to see best friend who like me is piling the weight on again. We have decided to join WW (again!) when she gets back from a weeks all inclusive next week. We will join a different class as the
lady we used to go to was not brilliant and we stopped staying for meetings.

It's an added expense I don't need , but I really want to get to target for the kids birthdays in July and I don't seem to be as motivated. The gym membership will continue though, hopefully that will boost things as well as the WW food shopping will be cheaper though as it's all basic ingredients , plain yoghurt and salad etc. Perfect cheap Aldi shopping, no more fancy meals for me

Moneyfordreams

Got to love a Newgirly plan Keep them coming

gallygirl

Moneyfordreams wrote: »

Got to love a Newgirly plan Keep them coming

Don't worry, there will be another one along in a minute :rotfl:.

newgirly

gallygirl wrote: »

Don't worry, there will be another one along in a minute :rotfl:.

:rotfl::rotfl::rotfl: that did make me laugh out loud , very true

Went to a friend's party last night, at her house. Not a posh dinner party but a good old fashioned drink loads in kitchen type one - it was a good night but I am sure I had about 50 glasses of prosecco but seem to feel fine today, maybe the vast amounts of food i ate soaked it up :eek: dh also got quite tipsy, however as he left his phone behind (with the uber app!) we had a very long late walk home, which sobered us up.


So I had my perfect day planned today (another plan there )

Cook a beef pot roast

Watch Netflix - finish stranger things

Go on iPad all day long

Go to bed early to watch agatha Christie with a cup of tea

It was to be the perfect lazy day....

However we have had NO INTERNET since Saturday :eek::eek::eek: the boys had a poker night round a friend's last night and they are staying over and Dd is york, so the full effect of this deverstaion has not yet taken hold.

We are not like normal people with normal providers , oh no, dh pays an expensive rubbish company through the business a premium to only answer any problems mon-fri , 9-5. Last time we had a problem it took a week!

Is it reasonable to use the data from my phone all day just to waste hours online? To make matters worse all the housework and ironing is up to date, I could have wallowed all day, even tv in bed is off the menu as he mini box needs internet.

I really didn't plan anything more energetic than that, and didn't want to go out in the fresh air either, if this carries on I may have to do something "productive"