Pay off mortgage and start having fun!

themadvix

Ah, I see re the holiday fund - and there I was ready to accuse you of wanting to spend that on another holiday! (Perhaps that's just me though?!)

I hope you get the apology and repair, but by the sound of it I wouldn't hold your breath!

newgirly

Oh no that does sound like something I would do

CathT

I really need to make a start on Christmas preparations. It really feels like the rest of the year is going to fly once we hit November.

I like the idea of breaking your holiday down into daily costs too. Sounds like you found a great deal so enjoy it.

Radish72

Hi Newgirly

I do remember you and have now subscribed to your diary :j

I never really went away I just stopped posting, as I read everyone's diary's in the morning whilst eating breakfast before work so only have one hand free

Excellent deal on the cruise, we are thinking of going on one next year , probably for a week so see if we like it

newgirly

Hi Cath, this year has just gone by so quickly hasn’t it

Hi Radish, great to see you where are u thinking of going, anywhere in particular?

Busy day for a Saturday, met best friend for lunch in c@sta, went shopping in my own in the morning and the did a food shop in the afternoon with dh after he finished work. No proper food, just pizzas and naughty Halloween things

Bought a few bits for a Xmas eve hamper, keeping it simple though as the boys are not interested anymore so have switched the Xmas mugs to xmas beer glasses with Santa on :xmassmile on 90p each from asda, a few mugs and some £4 Xmas T-shirt’s which will be going back as ds2 spotted one and said he refuses to wear it and so will his brother, I don’ t know why I’m still trying really :rotfl:

Dinner was a takeout curry paid for dh and a whole large tube of smarties meant for the xmas eve hamper, to myself. Now feeling quite sick and have gone to bed to lie very still

Token op of £5 made today from current account which hasn’t been checked and I don’t know if I’m ahead or behind on the £20 a day challenge.

CathT

Oh that chocolate over indulge nausea is not great!

newgirly

:rotfl: I know, not sure why but I’m eaten loads this weekend :eek:

Payday today :j

Still on track with everything and op’s are more than expected

£408 planned op

£64.69 excess in current account - not sure why!

£192.62 overtime pay

£665.13 total :T

October update to follow

newgirly

newgirly wrote: »

newgirly wrote: »

newgirly wrote: »

OCTOBER update!

Start figures 1st Jan :

Mortgage £79,000



Total at start Oct :

£74,498.77

Total today:

£73,889.05



Total reduction so far this year: £7110.95

Total Oct reduction : £609.72

Total Reduction for this year £7110.95 (£2k towards kitchen)


There’s a difference in the October reduction from what I’ve actually paid , but I think that’s due to the figures being updated midway through the month in October for sept , so extra interest

The good news however is I’ve surpassed the target of op by £7k that I set a few weeks ago (for the year not the last few weeks :rotfl:)

newgirly

Oh wow, I’ve been made a stupid mistake! And one I’ve actually made before

Went to pay the first £180 off our cruise balance for next year and have paid the full balance of £1498 by mistake :eek: that will teach me to sort the finances in bed when I’m tired :rotfl: thank goodness we have just been paid and I have enough in the account currently. Also we have a possible surplus from the builder that might help - if we ever get a final price!

Lots of juggling now required

newgirly

We’ll I think I’m going to just reduce the builder fund from £2k to £500 he asked us for a list of what we had paid last week and told dh he thought we had paid enough anyway probably. If we do owe more I will sort it out.

After checking properly I've found out you can’t make partial payments for a holiday you have to ring up every time , seems daft as you used to be able to. So I’ve named a spare account I don’t use as the “holiday slush fund” and paid £20 of this months personal monthly spending fund into it as a start towards the cruise I’ve been booked for 2021, little and often will help