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Peonie's journey to smart money management

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  • Peonie
    Peonie Posts: 1,471 Forumite
    Thanks Nattypants, MC and Lois. And everyone else for thanking.

    My magazine subscription gift came through at the end of the week. 2 full sized bottles and one little :-) I'm trying to decide; do I keep the MB goodies to give as a present later in the year or do I sell them? I'm leaning towards keeping them as a gift.

    NSD today. I need to phone my mum later.

    It seems like everyone like me went to the Swedish shop yesterday.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Peonie wrote: »

    It seems like everyone like me went to the Swedish shop yesterday.

    :eek: on a weekend day?? you must have been feeling brave x
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • Peonie
    Peonie Posts: 1,471 Forumite
    Normally I wouldn't but it actually wasn't too bad.

    Today I'm feeling a bit sick so won't be doing any exercise :-(

    Yesterday we bought some bits off ebay so it became a spend day.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • Peonie
    Peonie Posts: 1,471 Forumite
    Not buying anything but food in January and February led to a blow out this month. The items were planned for the kitchen and I finally got a new phone.

    Decorating is progressing and we've actually completed 1 room. It may be the smallest room in the house but I don't care. Hopefully on Saturday we'll get another finished. :T

    We're doing great on the cooking front. We hardly ever eat in restaurants these days.

    I've achieved this months exercise target and I'm building up to the harder gears.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • Well done , its great when the house starts to take shape, hows everything else? x
    Dec 2011 £141,000 / dec 2013 £135,000/ Jan 2014 £131,000 / July 2014 £129 000
  • Peonie
    Peonie Posts: 1,471 Forumite
    Hi MC, I imagine we still have £750 or so to spend on the kitchen. We have everything to finish the WC apart from some tools. The utility still needs to be painted but we'll need to make a decision on the colour first. And I can't see that happening soon. So much to do and so many decisions. We'll get there slowly.

    On a plus side I've checked my CA and I've been paid. :T When the account lets me move money around I will.

    Does anyone know how far in advance an ISA rate can be held? My current ISA rate is very good at 3.3%; it ends in July and I don't want to transfer they money until the anniversary. Can I 'book' the H$BC rate now and transfer my funds in July?

    Thanks for reading.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • Peonie
    Peonie Posts: 1,471 Forumite
    £3,000 transferred to the ISA. :T
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • Peonie
    Peonie Posts: 1,471 Forumite
    WC is decorated and looks fantastic. But I forgot. We still need the Hollywood touches, as my friend calls it, to finish the room. And, I need to get my lazy !!! out of bed to paint the shelves the final time.

    I hoped to spend some of this weekend in the garden; filling the green bin and planting seeds. The blanket of snow and harsh wind stopped that. The wind finally reduced the fence panel to twigs. We need to find out who is responsible for it.

    I'm not sure what else we will do today. I'd really like to look around some second hand furniture shops. But there's no point until the room is ready for the furniture.
    Pots: House £6966/£7100, Rainy day Complete, [STRIKE]Sunny day £0/£700[/STRIKE], IVF £2523/£2523, Car up-keep £135/£135, New car £5000/£5000, Holiday £1000/£1000, MFW #16 £2077/£3120
    MFiT3 #86: Reduce mortgage from £146,800 to £125,000
    Mortgage Sept 2014: £135,500, MF Oct 2035 Peak July 2011: £154,000, MF July 2036
  • nattypants
    nattypants Posts: 2,577 Forumite
    Peonie wrote: »
    The wind finally reduced the fence panel to twigs. We need to find out who is responsible for it.

    God or Mother Nature I imagine, although both will probably deny it was either of them. Kids...tskk!!!!

    Well done on the decorating accomplishments Peonie:T
    February13 - £74990 (or thereabouts)
    MND - Let's go for 2020 'cos it's got a nice ring to it:D
    C'mon nattypants:cool:
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Pmsl Nattypants! :rotfl:

    Not much on the garden front here either... except snowballs! :D
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
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