rlc22's 3 year challenge!

cha97michelle

Nice to see another diary. It is making me question my overpayment goals though as we have about a 1/3 of the income but i want to remove £10k from what we owe including the normal payments.

I think you will probably find it quite easy to trim groceries with more thought to it, but i would also think about saving up to one side cash to pay for christmas next year if that is your big spend time. I think it is for everyone. We follow it up by having 2 car MOTs and the house insurance being due in January. I am seriously feeling it this month so i aim to plan better for it being hard next year. Then you can pay for it on the card for the cashback, but know exactly where it is coming from.

rlc22

cha97michelle wrote: »

Nice to see another diary. It is making me question my overpayment goals though as we have about a 1/3 of the income but i want to remove £10k from what we owe including the normal payments.

I think you will probably find it quite easy to trim groceries with more thought to it, but i would also think about saving up to one side cash to pay for christmas next year if that is your big spend time. I think it is for everyone. We follow it up by having 2 car MOTs and the house insurance being due in January. I am seriously feeling it this month so i aim to plan better for it being hard next year. Then you can pay for it on the card for the cashback, but know exactly where it is coming from.

Hi and thanks for your suggestions . We were really good at saving a regular amout each month for things like presents etc before I went on maternity leave. We were even very organised while I was on mat leave, but now I'm back at work (and have been for 6 months) it seems like actually having some money again has left us light headed and so we are spending lots! Not any more though, am reining myself in.

Good luck on your £10k aim too.

rlc22

Surveyor came round earlier to do mortgage valuation. He was pleased that I'd dug out the details of the house that sold back in the summer and has told us that it should all go through smoothly from here... So fingers crossed!

Going to have a bit of an extravagant day today as I've already been out to lunch with a friend and I'm off to London for the evening, so have to pay for train fare, plus dinner and drinks when I'm out. I'm going to see if I can get the train fare cheaper online and I think we've got a discount voucher for the restaurant we're going to, so hopefully won't be too bad money-wise.

mummalove

Glad the surveyor's visit went well - worth being prepared with the information on the neighbour's house that sold last summer. It all sounds promising!

Sounds like you have a lovely evening planned - have a great time

Pennypincher2

Hello and welcome,

I think you should have some money for your own personal spends. It stops you using money for overpays and bills etc. I have some personal spends and use it for pressies, hair cuts, lunch with my friends (but still use vouchers etc) and I save it for going out and going off for the weekend once a year with my friends. My husband uses his for going to football and gigs, pressies for my bday and Xmas etc, grooming ! (not kidding) and buying lots of clothes off ebay. I find it is easier to get him to stay out of our joint account if we have some of our own money and when our mortgage went up, I knew it would be a squeeze but I put our spends up so we didn't feel broke all the time even though I was really pennypinching to get the mortgage and bills paid!

Best of luck with it, you seen motivated and unable to fail. Have a fab weekend.

PP

SmlSave

Good luck with your soending diary rach and good news with the surveyor

[Deleted User]

spending diary is a good plan! - shows where the money goes .... mine gets frittered away a lot! need to try and stop that!
definitely needs some personal spends I think in the long term helps you when you are trying to be frugal everywhere else

rlc22

Well, my birthday weekend is over and I'm now in my 30s!

Had a fab weekend. Got loads of presents and saw lots of friends and family.

Highlights of my weekend:

My family get together at my parents' house yesterday.

My new food mixer. Have already made some cupcakes to take into work for my birthday tomorrow (fun to make and saves ££ in the supermarket buying them!).

I got given some spending money in US $$ - so now I can shop in New York without feeling guilty!

Finding out from my friend on Friday night about a deal to get my haircut at the Hilton Park Lane for £10! Plus my meal on Friday night was quite a bargain at under £20 each including a bottle of wine

Doing another Onepoll survey so I'm now only £1.20 from my £40 payout!

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I've been paid this month and DH gets paid on Tuesday which should include a bonus, so am looking forward to making an indent in my £10k target even though it will only be a small one.

rlc22

I had an exciting day yesterday - reached my £40 Onepoll payout. Is it sad that was the highlight of my day?! That, combined with DH's £40 will be our first overpayment

The downer of the day was DH not getting as much of a bonus as we were expecting. He's going to speak to his work though as we're hoping it was a mistake

CathT

Happy belated birthday!

Well done on one-poll, it is such easy money!