MFin5 - my diary to make it happen

pammyj74

Wow thats a great day well done on all those, you are putting me to shame hun!

well done on the piggy win, I done that for over a year and never won once! Gave up lol
That advert job seems brilliant, might have a look at doing that myself lol

You are doing brilliant :j

cha97michelle

It's crazy that we have to be sneaky isn't it. I'm sure he won't even notice you know. Would he prefer you waste the money instead? I think you are doing the right thing, although i think you do need to get him on board rather than being sneaky for too long.

Pigsback - you seem to be doing well with. I ended up winning quite a few of the quizzes when i did it every day. I need to start again. Yet another thing to add to my list.

craftingmad

Thanks guys,

Just think if it had'nt been for you two (and a couple of others) I might have given up.

I'm even more determined now but you are right I do need to get him on board asap.

lol xx

wantabetterlife

Hi craftingmad, i read your diary regularly and think you are doing brilliantly. For the first year i made overpayments to the mortgage and OH hadnt a clue, if he thought there was any spare money about he would be away buying the latest gadget. He has definately come round to the idea now and is keen to get rid of the mortgage asap. I understand its probably more difficult for you as you dont work outside the home but do not feel guilty as you are doing it for the greater good of your family :D.

craftingmad

wantabetterlife wrote: »

Hi craftingmad, i read your diary regularly and think you are doing brilliantly. For the first year i made overpayments to the mortgage and OH hadnt a clue, if he thought there was any spare money about he would be away buying the latest gadget. He has definately come round to the idea now and is keen to get rid of the mortgage asap. I understand its probably more difficult for you as you dont work outside the home but do not feel guilty as you are doing it for the greater good of your family :D.

Thanks wantabetterlife, your words make me feel much better. I hate being sneaky with him but in the long run it is for his good too isnt it.

Thanks for reading as well, its much appreciated.

craftingmad

OK I can't believe that April has been and gone so its time for my monthly update:-

So this is my plan for April:-

Savings:-

No craft spend at all from joint account - saving £220!!!!!!! - Achieved
No craft spend from my account (Child benefit account) - saving £132!!!! - Achieved (although spent £35 from my account)
Nothing to send back to QVC as not spending anything so save on postage - £28 - Achieved
No Craft Mag spends - saving £20 - Achieved
Food Bill Cuts - £100 - Reduced by £108.61

TARGET SAVED IN APRIL - £500 - Saved £508.61

Earn:-

Delivering local village magazine (bi-monthly) - £50 - Earnt £50
Ebay - £20 (going to list like made over the next few days) - Sold £21.07
Quidco - £10 - Paid £6.01
Card and Craft Sales - £5 - Sold £2.75
Also sold unused bike to neighbours for £40

TARGET EARN FOR APRIL - £85 -Earnt - £119.83

TARGET TOTAL AMOUNT FOR APRIL FOR EXTRA OP - £585!!!!!!! (in addition to £500 already being made) - No extra payment made yet as OH being stubborn!!!!

greent

craftingmad wrote: »

Firstly thank you so much for your posty pammy, it really helps to know that someone is on my side and understands that looking after children full time is also a job although the only payment you get are the smiles and cuddles of your kids and the enormous sense of pride when they do something special like walking, talking etc. Thats plenty enough reward for me!

OK I have woken up with fresh vigour despite hubby still being as stuborn as a mule!

I have decided to carry on with my efforts and make sure that all the money I earn from Ebay, Card Sales, Telesales, delivering etc goes into my sole account so I can make OP as soon as I can.

Luckily the child benefit money goes into a different joint account from the main one so I am going to see today if I can change this payment to go into my sole account mentioned above and then set up a further DD for an additional £130 OP from this account (to run at the same time as the current OP from the main joint account).

I am also hoping that as I am saving all this money from the main joint account each month I am going to withdraw £30 each week from the account and put this into my sole account so that this money can also be used for overpayments. I am going to be a bit sneaky and when I go to Tesco's to get milk and bread each week I shall withdraw the amount as cashback so that it shows on the statement as Tesco's rather than a cash withdrawal. He hardly ever checks the statements as this is usually my job so am sure that he will not even notice this amount coming out and it will make a huge £120 extra for me to put towards the mortgage. Call it charging him for childcare as he never helps!!!!!! I'll just tell him that I made the overpayments from Ebay sales etc. What he dos'nt know won't hurt him on this occassion will it?

I think this is an ok way about going about things. My OH gets concerned that by trying to OP lots we won't have the money for fun stuff (which is why the term on our mortgage will stay as it's original, not be reduced officially) - especially as he was made redundant twice last year and spent 3 months on JSA and is now self employed with a short term contract.

Men!

pammyj74

craftingmad wrote: »

OK I can't believe that April has been and gone so its time for my monthly update:-

So this is my plan for April:-

Savings:-

No craft spend at all from joint account - saving £220!!!!!!! - Achieved
No craft spend from my account (Child benefit account) - saving £132!!!! - Achieved (although spent £35 from my account)
Nothing to send back to QVC as not spending anything so save on postage - £28 - Achieved
No Craft Mag spends - saving £20 - Achieved
Food Bill Cuts - £100 - Reduced by £108.61

TARGET SAVED IN APRIL - £500 - Saved £508.61

Earn:-

Delivering local village magazine (bi-monthly) - £50 - Earnt £50
Ebay - £20 (going to list like made over the next few days) - Sold £21.07
Quidco - £10 - Paid £6.01
Card and Craft Sales - £5 - Sold £2.75
Also sold unused bike to neighbours for £40

TARGET EARN FOR APRIL - £85 -Earnt - £119.83

TARGET TOTAL AMOUNT FOR APRIL FOR EXTRA OP - £585!!!!!!! (in addition to £500 already being made) - No extra payment made yet as OH being stubborn!!!!

That is all fantastic, you have done brilliantly the past month. And I agree any money that you have saved is yours to do with what you want so if you choose to OP on the mortgage then its up to you. He can't argue with you about that. Would he rather you spend it on things that are wasteful or on things that are saving you all money and heading for a better financial future? Like Cha says Men just want to be the one that has the idea to make them feel better

He'll come round eventually.

craftingmad

Did'nt get round to posting yesterday but did manage 5 piggy point clickthrough and entered 3 piggy competitions so not much to report but every little helps. Ohhh almost forgot, fresh on the heels of my piggy competition win (£10 voucher) I also entered 32 competitions online to help with my week target (see below).

So this is my plan for May:-

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
Food Bill Cuts - £50 (so total spend for month £400)

TARGET SAVED IN APRIL - £430

Earn:-

Ebay - £30
Quidco - £7.50
Card and Craft Sales - £10
Car Boot - £20
Surveys - £5
Telesales Earnings - £20

TARGET EARN FOR APRIL - £92.50

TARGET TOTAL AMOUNT FOR APRIL FOR EXTRA OP - £522.50 (in addition to £620 already being made)

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).

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

Daily Challenge - Plant strawberry plants and sow vegtable seeds

Hope everyone has a successful and happy MFW day.

pammyj74

I do the comps too, did 161 yesterday, Have you had a look at Loquax? they have the magazine ones in order and puzzler.com You can check by doing search and comps www ending today and then you can look at what are finishing over the next few days. Its easier that way.