Peonie's journey to smart money management

Tilly_MFW_in_6_YRS

Hi Peoonie, sorry to hear it's been a tricky Christmas. It is frustrating when family don't join in and help.

I hope all goes well with your tests x x x

*Jellie*

I feel very lucky that when I had family about they were fairly self-sufficient and pulled their weight.

I hope the tests go ok

newgirly

Hi Peonie, hope all goes well with the tests x

gallygirl

How rude :mad:.

Hope all goes well with tests.

Peonie

Thanks ladies. Hopefully we'll get the results before this months peak. It would have been my due date this week so have been a bit teary.

Since going back to work I bought a lot of sell by food. I managed to get £4.50 of break products for 50p. My P is now self-employed and met me one night after work so I showed him how to check the shop aisles for cheap food. He's got 2 jobs booked in so far, no money in yet and he's quoted for quite a few jobs. It's early days but he's happy.

I don't think I posted my December signature, here it is:

Rainy day fund: £12,000/£12,000, achieved 100%.
12k in 2012 challenge no. 168: £5,820/£4,000, achieved 149%.
Mortgage now: December 2012, at £146,800, end date May 2036.
Mortgage at its highest: July 2011, at £154,000, end date July 2036.

In December I saved £760 and at the beginning of this month I paid £20.23 off the mortgage to make it a nice round number. Here's my soon to be changed January signature:

Rainy day fund: £12,000/£12,000, achieved 100%.
12k in 2012 challenge no. 168: £6,580/£4,000, achieved 165%.
Mortgage now:January 2013, at £146,400, end date May 2036.
Mortgage at its highest: July 2011, at £154,000, end date July 2036.

I am really pleased to have FINALLY reached our rainy day target and to have surpassed my savings target. With 2012 behind us it's time for the old challenges to go and the new to be added. I'll be adding MFiT3 (reduce mortgage to £125,000) and my sunny day (maternity) fund (savings of £3,416).

Peonie

In 2012, we:

Reduced the mortgage from £151,441 to £146,800.


Saved £6,580:

Saved £1,855 into or destined for rainy day savings.

Saved £4,184 destined for sunny day, maternity, savings.£3,416 still to save.

Paid £14,202:

Paid £4,564 capital off the mortgage, overpaid the mortgage by £87 and paid £3,719 in interest.

Paid the remaining £1,150 off the kitchen.

Spent £1,629 on a bed frame and mattress. Paid £217 off and £1,412 remaining over the next 26 months (0% interest).

Spent £8,184 on renovating the house. £2,674 was from 2011 savings.

By the end of 2012, we owe the world £148,212.

gallygirl

Great result Peonie. well done :T.

newgirly

Well done Peonie that a great result for 2012 :T

Peonie

Peonie wrote: »

Yesterday I went for some fertility blood tests. Hopefully they will provide some answers as to why I'm not getting pregnant.

I got my test results back. A couple were high so I've been referred to a specialist but it could be 3 months until the appointment . Shuffles off to do some research...

pavlovs_dog

got friends who are having trouble TTC Peonie so I've seen first hand how distressing it can be. Thinking of you xx