MFin5 - my diary to make it happen

pammyj74

I am sooooo pleased that your OH is slowly being converted. He would be a fool not to. i do understand that he doesnt want to put everything into it though, fair comment.

well done on the greenfingers too hun, I just killed a load of sunflowers that were doing so well because they got overheated in my plastic greenhouse and have wilted! I am really gutted

Keep up the good work, your cards must be really good with all your sales, you are a fab saleswoman lol, hows the advertising space going?

craftingmad

pammyj74 wrote: »

I am sooooo pleased that your OH is slowly being converted. He would be a fool not to. i do understand that he doesnt want to put everything into it though, fair comment.

well done on the greenfingers too hun, I just killed a load of sunflowers that were doing so well because they got overheated in my plastic greenhouse and have wilted! I am really gutted

Keep up the good work, your cards must be really good with all your sales, you are a fab saleswoman lol, hows the advertising space going?

Hi pammyj,

Thanks for your encouraging words and I'm sorry to hear about the sunflowers!

Its great to know that hubby is slowly getting on board and I too can understand his reluctance to throw everything into it - it would just be nice if he agreed to use at least half the left over cash towards the OP's. Last month we had just over £2,500 left at the end of the month!

Sadly the advertising sales are on hold for a moment as the lady who runs the local magazine is uming and urring as to whether to go to print for the next issue as she is struggling with funds I think. I hope that she manages to sort something out soon and that I get paid for all the sales I have made so far - fingers are crossed very tightly. This money will make a big difference to any OP's I can make.

Going to repot my courgettes and draft runer beans today as they are really starting to grow now - I can't wait to eat them when they are ready.

Plus the plan is to make some more cards and do some other little things which all add up to extra OP's.

Happy MF wannabe'ing everyone.

greent

Yeay - well done on your progress! My OH doesn't mind the idea of paying of the mortgage in principle - but is unwilling to do without anything - making it hard to achieve in practise!! Since being made redundant last year (twice) he cannot face looking at anything money related or even talking about it. It was all pretty much left to me before, anyway, but it definitely is now. I'd like him on board a bit more, really - it would make my life easier!

We have a 100k+(only just) mortgage but a 'relatively' short term of 12(? - I think) years on our loan agreement - making our savings in interest less than if we were paying it back over 25 years - so he can't see too much point in stretching ourselves to the detriment of 'fun' (hmm- we have 3week old Ford Galaxy and an 8month old VW Golf and last year went to France for 2 weeks, spending £5k on that and also spent over £1k on 5 days in Centre Parcs - we're not exactly cutting back are we? )

I'm of the 'jam tomorrow' (with an occasional treat) mentality. He's very much for today.... - argh!!

Off to jiggle figures and see if I can scrape £700 for an extra OP for June to get us below £100k (I think).......

craftingmad

greent wrote: »

Yeay - well done on your progress! My OH doesn't mind the idea of paying of the mortgage in principle - but is unwilling to do without anything - making it hard to achieve in practise!! Since being made redundant last year (twice) he cannot face looking at anything money related or even talking about it. It was all pretty much left to me before, anyway, but it definitely is now. I'd like him on board a bit more, really - it would make my life easier!

We have a 100k+(only just) mortgage but a 'relatively' short term of 12(? - I think) years on our loan agreement - making our savings in interest less than if we were paying it back over 25 years - so he can't see too much point in stretching ourselves to the detriment of 'fun' (hmm- we have 3week old Ford Galaxy and an 8month old VW Golf and last year went to France for 2 weeks, spending £5k on that and also spent over £1k on 5 days in Centre Parcs - we're not exactly cutting back are we? )

I'm of the 'jam tomorrow' (with an occasional treat) mentality. He's very much for today.... - argh!!

Off to jiggle figures and see if I can scrape £700 for an extra OP for June to get us below £100k (I think).......

Good for you greent - my fingers are crossed that you will find the extra cash to get you below the £100k mark. :DI know that when we got below that amount it was a massive phycological step for me and it really spurred me on to clear off the mortgage early. I'm jealous that your mortgage is only over 12 years - lucky you!

If there's one thing I've learnt from my short time on becoming mortgage free is that you still also need to have a life and fun as well so don't feel guilty about treating yourself - we're off on holiday next week to Butlins (not quite Centre Parks but I don't have to cook for a whole week so it will do me and the kids should be happy!!!).

Remember even little cutbacks will make all the difference - I cannot believe how quickly the daily Quidco clicks and survey site cash adds up.

Good luck with your quest. xx

greent

craftingmad wrote: »

Good for you greent - my fingers are crossed that you will find the extra cash to get you below the £100k mark. :DI know that when we got below that amount it was a massive phycological step for me and it really spurred me on to clear off the mortgage early. I'm jealous that your mortgage is only over 12 years - lucky you!

Good luck with your quest. xx

Yes - but I'm already 40 - and you've still got some way to go to get there!!

I have jiggled it about and managed to send £750 today - it'll be a bit tight, I think - but that just means I'll have to ebay more next month!! (And I've applied for 2 sellers packs for the local NCT sale in July - 180 labels - so that means I should shift some stuff and get some money in - double result ) (I usually sell around 50-60% of what I send in - but need to resist the temptation to buy anything whilst there!!):D

craftingmad

Hi everyone,

Well I've made it back again and this time nothing (apart from my kids and family) are going to stop me reguallary reporting and keeping me motivated to becoming MF in 5!

As we are now into a new month (I just cannot beleive where 2010 is going!) I thought I would first update you on my targets I set myself for last month so here goes:-

So this is my plan for May:-

Savings:-

No craft spend at all from joint account again - saving £220!!!!!!! Acheived
No craft spend from my account (Child benefit account) again - saving £132!!!! Acheived
Nothing to send back to QVC as not spending anything so save on postage again - £28 Forgot I had ordered something on waitlist several months ago and it arrived so had to send it back so cost me £1.41
No Craft Mag spends - saving £20 Achieved
Food Bill Cuts - £50 (so total spend for month £400) Acheived but only thanks to holiday I think

TARGET SAVED IN APRIL - £430 - Total saved £428.59

Earn:-

Ebay - £30 - Sold £22 after costs
Quidco - £7.50 - £7.62 paid into account for May
Card and Craft Sales - £10 - Sold £14.05
Car Boot - £20 £0 as did'nt get a chance to do one
Surveys - £5 - £7.50 in my account - waiting for £10 to before cashing in
Telesales Earnings - £20 - Earnt £32.80 (still awaiting payment)

TARGET EARN FOR APRIL - £92.50 - Total Earnt for May £83.97

TARGET TOTAL AMOUNT FOR APRIL FOR EXTRA OP - £522.50 (in addition to £620 already being made) - Additional OP still to be made as mortgage company being funny about so much OP!!!!

Monthly Challenge - Get my cards and other crafty creations into 3 new outlets to be sold (not including my playgroup where I already sell them). - Now selling at my playgroup, the other playgroup I attend and have cards permantly at my village hall - so 2 extra places I now sell at

Weekly Challenge (Sun - Sat) - Enter 100 competitions (so that I can either use prizes as gifts or sell on Ebay for cash) - Completed

Daily Challenge - Plant strawberry plants and sow vegtable seeds - Completed and all growing well

cha97michelle

Nice to see you back. Was the holiday nice?

craftingmad

OK now time for this months challenges and targets:-

Plan for June:-

Savings:-

No craft spend at all from joint account again - saving £220!!!!!!!
No craft spend from my account (Child benefit account) again - saving £132!!!!
Nothing to send back to QVC as not spending anything so save on postage again - £28
No Craft Mag spends - saving £20


TARGET SAVED IN JUNE - £400

Earn:-

Ebay - £20
Quidco - £15.00
Card and Craft Sales - £15
Car Boot - £20
Surveys - £10
Telesales Earnings - £10
Delivering local village book - £50

TARGET EARN FOR JUNE - £140

TARGET TOTAL AMOUNT FOR APRIL FOR EXTRA OP - £540 (in addition to £700 already being made)

Monthly Challenge - Make up some sample sets of wedding stationary and other items to take around shops to see if they would like to sell them

Weekly Challenge (Fri - Fri) - Write 21 reviews on dooyoo to earn 10500 points

Daily Challenge - Complete all outstanding online surveys as not completed any for ages

Wish me luck everyone xx

greent

Good luck - hope you're doing well! x

craftingmad

OK everyone - I'm back. Had a tricky coiple of months relationship wise but think after lots of talking and a lovely break as a family we are all back on track (fingers are tightly crossed) and I can focus on my dream of being mortgage free again before I'm 40.

Watch this space for further developments......