2011 mfw

originalmiscellany

And well done Rockabelle! It sounds like you're doing an amazing job. Isn't it addictive seeing you save a fortune

pavlovs_dog

just OP's £100, which means we've beat our 2011 target of £1500 already :j Now aiming to hit £1800 for the year


#217 yearly total to date: £1535

Barny1979

£54.09 paid today and I've reduced my mortgage by £40k since July 2009

curlygirl1971

Have just updated googledocs with £208 payment already made on 1st October and £208 payment going out tomorrow.

Haven't posted on this thread for a while but have been popping in and reading everyone else's updates and been really encouraged which has helped. I think I've got Money-Saving-Fatigue, although I've never been a hard-core MSE'er I seem to have bored myself with it and need a bit of shake-up. I've not been doing very well with my budgeting/spending recently (several months) although I have kept up my minimum OP's.

I've made a couple of silly mistakes (ie. not spending enough on the right cards to get threshold rewards, forgetting to cancel a subscription before end of free trial) and am not planning meals as I should which is resulting in spending more than I need to on food.

Then I went a bit crazy in a couple of shops on Saturday - I was going to a family halloween party and bought some stuff I knew my little nieces would get a kick out of - I'm such a softie! I can't help it. Grand total of £28 on costume items, decorations and spooky music.....we had a great party, the kids had a great time, I screamed myself hoarse; but I didn't need to spend all that money . (I did look particularly Wicked in my Green & Black stripey tights though, but think painting my face, chest and arms green was a mistake. It's day 2 after the party and I'm sat here in work looking like a sickly 'Fiona' from Shrek.)

......so if this was a school report it would probably say 'Could do better'. I need to pull my socks up and avoid going crazy at Xmas doing the same again just to see the pleasure on my nieces faces - they really are my week spot

Mortgage balance is going to be around £30510 tomorrow once payments have been deducted and interest added. So that's looking great and I'm hoping to get below the £30k in December - which will be my regular £208 plus a little bit of cashback that's due and then a top up from Savings.

Keep plugging away everyone! Fight the good fight!

froddington

No 128 - £200 OP made today

MsWow

rockabelle wrote: »

I've also just discovered that my mortgage balance is where it's supposed to be after 2 years of payments, and I've only had the mortgage for 6 months! :jVery pleased with that!

I've saved 13 months by OP :j:j:j. It's sooo addictive

Does anyone knows if Cake21 it's alright? She hasn't updated the list since September...

I wish you all a productive November :T.

jaywhoopee

rockabelle wrote: »

I've also just discovered that my mortgage balance is where it's supposed to be after 2 years of payments, and I've only had the mortgage for 6 months! :jVery pleased with that!

:T That's really good going - I think we're only 1 year ahead of ourselves - we're where we should be at 3 years after only 2 years, so much less impressive ...

black_taxi_2

reduced mortgage by £879 nov

try to get below 30k by end of year

financialbliss

Quick post to update for November. Now looking like this:

#29 - Overpay by £2,050.00

Month: Ideal Pay / Ideal Total / Ideal % / Actual Pay / Actual Total (Diff) / Actual %

January: 170.83 / 170.83 / 8.33% / 70.67 / 70.67 (100.16) / 3.45%
February: 170.83 / 341.67 / 16.67% / 70.67 / 141.34 (200.33) / 6.89%
March: 170.83 / 512.50 / 25.00% / 120.67 / 262.01 (250.49) / 12.78%
April: 170.83 / 683.33 / 33.33% / 200.00 / 462.01 (221.32) / 22.54%
May: 170.83 / 854.17 / 41.67% / 200.00 / 662.01 (192.16) / 32.29%
June: 170.83 / 1,025.00 / 50.00% / 200.00 / 862.01 (162.99) / 42.05%
July: 170.83 / 1,195.83 / 58.33% / 200.00 / 1,062.01 (133.82) / 51.81%
August: 170.83 / 1,366.67 / 66.67% / 200.00 / 1,262.01 (104.66) / 61.56%
September: 170.83 / 1,537.50 / 75.00% / 200.00 / 1,462.01 (50.49) / 72.54%
October: 170.83 / 1,708.33 / 83.33% / 210.00 / 1,697.01 (11.32) / 82.78%
November: 170.83 / 1,879.17 / 91.67% / 200.00 / 1,897.01 (+17.84) / 92.54%

Total overpaid: £1,897.01

Good news in that I'm ahead of my schedule by £17.84 - not a massive amount, but not to be sniffed at either.

Off to update google docs.

FB.

Barny1979

£43.00 paid today from Quidco payment