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Starting my journey

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  • I also take cash when shopping, i get my budget out for the month and put it in an envelope, that way i know i can't overspend when going shopping! Sometimes i get a huge shop at the beginning of the month to stock up on stuff but the rest is then split for the rest of the month. this has worked for me anyways :)


    I'm also trying to budget for a trip to the lake district for 10 days :eek::eek: in August and even with entertainment passes that i've already paid for i can see it costing ALOT!!!

    I love being in control of my finances now too it's a great feeling and i realised something the other day...I wasn't afraid to get the post from the door (usually left it piling up for days :o) and i will even open it straight away now as I know there are no nasty surprises awaiting me :rotfl:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi Choo, yay to you budgetted for lego land :T you sound very much in control.

    :eek: to DH's suits and shirts, why do they have to be so flipping expensive!

    Glad your ok and seem happy :D xx
    Mummytogirls x

  • choogirl
    choogirl Posts: 1,274 Forumite
    Hi DFW and Mummytogirls

    DFW - cash is the best way forward for me.
    Mummytogirls - suits are expensive and he was very firmly steered away from the expensive shirt shop the other day and pointed in the direction of M&S (not sure he was really listening though) :mad:

    I have had a productive evening - Legoland tickets and restaraunt vouchers have been requested from clubcard so I have £2 of vouchers left :( Train tickets for our day trip to London have been purchased - £61.50, this also includes tube tickets so I'm happy with that :T

    Just seen that no-one has won the Euromillions - £136 million rollover, might just buy a ticket on Friday :rotfl:

    I really wouldn't want all that - just enough to pay off the mortgage, sort family out, set the kids up for life and I'd be happy!
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Morning Choo, glad your getting sorted for you trip away. Also glad to see youve still got change out of your Tesco vouchers :D!!

    Re the Euromillions, if you do buy a ticket and win, please remember your DFW friends on here :rotfl:!!!

    Have a nice day xx
    Mummytogirls x

  • choogirl
    choogirl Posts: 1,274 Forumite
    Morning Choo, glad your getting sorted for you trip away. Also glad to see youve still got change out of your Tesco vouchers :D!!

    Re the Euromillions, if you do buy a ticket and win, please remember your DFW friends on here :rotfl:!!!

    Have a nice day xx


    Thanks Mummytogirls

    Of course I'll remember all my DFW friends, I think £136 million could probably sort out a few of our problems :rotfl:

    I'm abit gutted this morning about the train tickets, could have gone through Top Cashback :mad: - still alot to learn :(

    Have a great day xx
  • choogirl
    choogirl Posts: 1,274 Forumite
    Good Afternoon

    Not much to report - had a quick tidy round at home, cleaned out the fridge, put a light coloured wash on and now sat enjoying a cup of Earl Grey and malt loaf. Hmmm will somebody stop me from getting a 3rd slice with butter on - I'm going to be turning into a Heffalump :rotfl:

    I have joined rdchicks weightloss thread - I don't hold out much hope for me but I'll give it a try.

    I need to do more exercise and stop stuffing my face with crisps, biscuits, chocolate, cake, ice cream and wine . I cook and eat healthy lunches and dinners - its just snacking and lack of exercise thats my downfall :(

    The cat has just been told off for biting my ankle, I don't know what comes over him sometimes :mad:

    Better go and start some dinner - its goats cheese, roasted pepper and butternut squash risotto tonight :j
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    your dinner souds lovely choogirl..............mmmmmm my mouths watering lmao i've just had weight watchers soup lol
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • choogirl
    choogirl Posts: 1,274 Forumite
    abba1772 wrote: »
    your dinner souds lovely choogirl..............mmmmmm my mouths watering lmao i've just had weight watchers soup lol


    Thanks Abba,

    Unfortunately it hasn't happened as DH was really late in so we're having a takeaway (I've just whispered that) :o
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    naughty choo :cool:!!! Which takeaway you getting? Just so I can be jealous!! x
    Mummytogirls x

  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    takeaway sounds even better lol x
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
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