June 2010, 80 payments to go............

tootallulah

Coffee £2, drinks in the pub £10.15. £62 and a few coppers left in my purse. So after tomorrow the £ coins will be back in the kitchen drawer and being added to for the last week of July (last week goes free, sort of).

tootallulah

Bus fare £2, travelcard £28.80, coffee £2

tootallulah

Rabbits, pinching, punching etc. Now that's over here's to a new month. I have a refund from British Gas for £461. plus £91 expenses from work and £30 from Quidco. I have made an extra payment to the mortgage of £500 this morning. The remaining funds will pay for my trip to N Ireland. Jolly good. Slight variation to plan: I am carrying on spending from the pound coin stash for my day to day spending and when it runs out I will go to the cashpoint and draw £30.00 per week for spends and treats to see how that goes. I need to reduce my total debt by £2k per month to meet my targets. With my normal mortgage payment and the extra £500 I have paid off £1000, half way there with the £1000 needing to go to the credit card. I still have my holiday in France to pay for but I will sort that out this week.

Tonight I am adding up and analysing last months savings in the hopes that it will reassure me that I have plenty of money if used wisely. I will carry on recording my spending in the hopes it will make me more aware as I am officially TRYING TO SPEND differently this month. Note not less spending just more effective spending.

tootallulah

OK enough of the heat I need to sleep! Drinks in the pub £10.25. I will have a proper look at the figures this week-end when things are less busy. Also BIG NEWS no coffee yesterday morning it was too hot.

tootallulah

Just paid an extra £300 off the mortgage in the first of what may be a theoretical payment each week (like payment a day but different). I have a target for money in the bank at the end of each week and if it is over that amount it will be paid off the mortgage. I have to find another £700 this month to make my overall target. I only have £700 in my current account so this will be interesting.

tootallulah

Overlocker £113, clothes and Christmas presents £124, night on the pub £12.87. I also paid the gardner £80, and today will pay my niece for cleaning £25. I also need milk.

tootallulah

Small bits of shopping £10.18. Coffee £2. I went to buy an Ipad, they were sold out - GOOD. Paid for the ferry to France £380. I will get 2/3 back. Absolutely knackered hopefully it will be a bit cooler tonight so I will get some sleep. Lovely week-end: gardening, spending time with friends, chatting to my niece it was very relaxing. Have a strong urge to make a mortgage payment but I need to wait until Friday, my payment a week day, with a bit of control I should be able to pay £80.

Tough times at work as it is for everyone in the public sector, very scary to imagine being made to retire early, I must pay off as much as I can over the next six months after which I'll know one way or the other.

tootallulah

Coffee £2.

tootallulah

It has only taken me thirty years of working in London to do this but yesterday I bought an annual Travelcard for £1032 which work will give me an interest free loan for once I find the right form to fill in. Over a year this will save me at least £200, when there is to be no pay rise everything I should do becomes more apparent. £30 into my account from Quidco and I am eagerly awaiting £91 in expenses. I have just over £200 for the rest of the month. £70 per week folks, we will see. I am determined to make a payment per week and this week it will be the £30 from Quidco.

Herewego

Well done on any overpayment, sorry but pinched your "payments to go" bit and i'm going to add it to my signature.
I have a bit of work to do on my debt before i can be a MFW but i have plans.
Just a £2 coffee yesterday does that make it a NSD
My spending is a bit like yours lots of little bits that add up, keep up the good work your doing a great job and I will be following.