Mortgage freedom..Shala_moo's attempt at a diary..

Peonie

No problem. I don't think ISAs are the easiest things to understand. I believe you can credit the ISA and still transfer it when the ISA account year completes. I've never tried it as I'm sure someone will tell me I'm not allowed to.

shala_moo

OH has paid me so second money shuffle of the month.. :T

Money saving :

• collated all savings into the new ISA - £4400
• put overtime money into ISA £220
• put some of OH's payment in there - £267.50
• won 100 points on adp0ints
• lots of overtime this week - next week will be lots more overtime plus some double time on Sunday (new system :mad: no training)
• used £10 off my Nect*r points for some naughty food from shop

Not so money saving :

• tree man is coming tomorrow to trim our bushes :obudgeted £150-200?? (it's quite extensive trimming)
• bought a few songs from Amazon to cheer up my playlist £4
• bought some egg moulds for bento boxes, just because they were cute
• noticed that the seals on the double glazing on some of the windows has gone so we might need to talk about replacing them, ooorrrr I might just ignore it for another year! :whistle:

shala_moo

Today we've been tidying the garden, with the help of the tree surgeon fella..

He was here for 3-4 hours tidying some hedges, the climber stuff on the house and cut 3-4ft off the 10ft hedge that separates us from the neighbours, oh and he also cut my washing line in half! It cost us £180, within budget :j but the neighbour also offered us £50 towards the cost of the shared hedge so even more yeahhh :T

We then went to H0mebase and spent the £50 on other garden stuff :rotfl:

So the borders are now weeded and barked, OH has cut the grass (and killed the lawn mower :mad: more expense for a new one), the nettles have been chopped and weedkillered and the fruit trees have had a bit of a pruning..

We still haven't received the quote from the garden fella for the hard landscaping we want done :mad: even though OH chases him most weeks. I don't have any ready cash to pay him anyway so best to put it off so I can save some :rotfl: although i'd like to know how much it would cost eventually.

I'm now pooped so going to have a relaxing night in front of the tv!

xx

p.s. also tried a shop at A1di again this morning, went really early and it was empty, much more enjoyable experience and only spent £25 on loads of stuff - might have to start going there again (occasionally:D)

shala_moo

I'm glad that week is over... longest work week of my life now relaxing with Nigel Slater.. love his style.. even though he'd be disgusted at the fact i'm too lazy to make tea and i'm eating sauce sandwiches and crisps :rotfl:

Not much to report this week, haven't had time to do anything at all except read a few posts on here when I've had a break..


so money stuff

• moved my Ha1ifax reward money to ISA (£1359.88 to go)
• lots of overtime - haven't added it up but in excess of 20 hours
• free food at work, although not healthy - samosas, pakoras, pizza and chips, fresh cream cakes and lots of holiday sweets/fudge/shortbread

Things to do for the weekend

• ring sister
• 2 loads of washing/drying
• prepare healthy meals!
• do meal plan for Sept
• book hair apt - need roots doing already
• find a cheapish food processor
• find OH a shirt
• sleep, watch tv and reeeeelax

have a good one xx

shala_moo

What a glorious day :T



It's been a busy-ish morning

• washing done
• kitchen and bathroom scrubbed
• OH ordered a shirt
• the father's been to visit
• blueberry bush stripped of it's last produce
• 2 levels of candy crush completed
• £1.94 TT'd - only £857.07 left to fill ISA (I miscalculated before :doh:)
• hair apt booked
• healthy meals eaten so far - chicken and roast veg planned for tea
• listed concert tickets on Se*twave - never used them so hope they are good

Now i'm going to superglue myself to the sofa and start watching the next bit of Chicago Fire (little Billy Kennedy has certainly "grown up" ) whilst OH makes me a :coffee:

xx

shala_moo

Day 2 of week 2 trying to do reporting on our new system.. it's not good, at this rate I'll be the one crying in the corner at the end of the week!

Still looking at the positives, I've had another couple of hours overtime from it, it was 23 hours in the end last week so a nice little amount to stick in the ISA :j

Other stuff :

• £10 voucher ordered from CP - must put in ISA
• stuck to meal planner
• bed socks on last night - no leccy blanket for me yet (although not far off )
• updated MFIT - nearly £3k over target :j
• Water bill came in just under budget

Have a good evening, i'll be glued to GB Bake Off :T xx

muddywhitechicken

• bed socks on last night - no leccy blanket for me yet (although not far off )

Really?! I'm trying to think of ways to convince Mr MWC that we need to keep the summer duvet on :rotfl:

Hope work improves for you soon

shala_moo

Then you'd be disgusted to know I've put the heating on tonight!! :rotfl:

bbbrrrrrrr....... :snow_grin

shala_moo

So very un-MFW today

• heatings on
• hairdressers - £32
• bought a book £7
• ordered groceries £50
• bought peppers from the local shop £3 for 6
• bought petrol £40

Planned weekend spends

• butcher visit - usually £70-80
• going to a food festival
• OH is going to a charity do - donation needed

Can't wait to get paid next week, I might have some money left at some point :rotfl:

shala_moo

May have spent a bit more at the butchers than I intended - £94 :eek: however the freezer is packed tight!

I was discussing with a colleague the other day how much the cheaper the butchers would be compared to the supermarket so I did a bit of nerdy comparison to convince them that using the butchers is the way to go..

Total spend at butchers £94, same spend at Tesc0 (by weight) £168:eek: a saving of £74:j the best savings were on chicken, steak and lamb at almost half the price.

Now this butchers is a wholesale butchers so it isn't the same quality as a high-street one, but it's still a darn sight better quality than a supermarket!

Got a lovely stew cooking in the slow cooker as we speak :drool: cost £3.33 for the beef and £1.50 for the veg, will easily feed 4 people!:D my vote's with the butchers all the way!!