my non-mortgage mortgage free journey

quintwins

Today was a NSd in the end even tho hubby was late home, tomorrow won't be we're heading out for lunch I'm thinking the carvery and I need some milk aswell, will update spends tomorrow night, can't wait til the end of July then the real savings will start

Hiddenidenity

Hello hope your ok

Have a nice lunch I need to do a Tesco shop lol!

quintwins

I have a laptop charger so I'll be back online tonight

Just waiting for hubby to come home then im off

Youngest thought it would be nice to not go to sleep til after 3....I don't agree.

quintwins

I got told off the other day, i got told were on holiday and we should be enjoying ourselves not penny pinching, so we've had a few lovely expensive days, but you know what at most it will set me back 2 weeks savings, i can live with that

So i'll see you all in a week when i jump back on the money saving wagon.

ammonite

Have a good time Quintwins, sometimes you need a break from the penny pinching! I always think if you penny pinch 90% of the time, you can afford to splash out the other 10% of the time!

Hiddenidenity

Hello you ok?

Did you go to next lol?

quintwins

ammonite wrote: »

Have a good time Quintwins, sometimes you need a break from the penny pinching! I always think if you penny pinch 90% of the time, you can afford to splash out the other 10% of the time!

Thanks i will we've had lots of food out and a few days trips, gonna try squeeze in a wee trips to the beach and even a nice lazy day at home because i feel like i havent stopped all week.

Hiddenidenity wrote: »

Hello you ok?

Did you go to next lol?

Ofcourse i did what a silly question

On the moneysavings side, my washing on the line and we filled our car up down south today as we were close to the boarder and had a few euro's anyway. Bought ds3 a bike from tesco off the grabbits. hoping i get it for £15 if not i'll cancel it as theres an even nicer one for £30 on halfords, i was gonna give it to him for his birthday, til we relised we'd told everyone he's getting fish so they bought him stuff for his tank, a fish tank ornament is gonna be an odd gift without a fish tank ......need to go get a fish tank this week aswell.

also bought 3 space hoppers for £2 each and some of the very sheets for £5

I have no idea how much money we've spent now i don't wanna know tbh, i'll just see whats left come the end of the month.

littleg_2

loving your diary qt, especially the meal planners..food is my weak point, so getting lots of great tips, thank you:T

quintwins

littleg wrote: »

loving your diary qt, especially the meal planners..food is my weak point, so getting lots of great tips, thank you:T

Check back in a week and you might acually see some meal planning :rotfl::rotfl:

Had lunch out today, dinner is gonna be beans on toast as soon as i get off my bum, got some grated cheese reduced to £1 a bag in m&s yesterday so will have that on top then it needs to go in the freezer for pizzas/sheperd pie.

oh and i got one single free egg from the chickens we're looking after for a few days *read that as throwing food in and closing coops at night*

quintwins

Morning all, just had some yummy poached egg on toast, my tesco shop came last night and i'm now very well stocked up, new plan is to try get by on £50 for the next 2-3 months at which time i'm gonna do a us til after xmas.

Also theres a mistake in my SOA because hubby got a payrise and i forgot to add that in so i've done a new one including a few extra things.

We took the kids swimming yesterday they loved it so i've included some entertainment budget so we can take them atleast once a month it's about time we started taking them more but only now the older 2 are older that we can go without help as we normally need 1 person per child, usually these things come from our groceries budget but given how tight i'm squeezing it thats not gonna work.


Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 2111
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 2111
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 150
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 70
Gas..................................... 0
Oil..................................... 45
Water rates............................. 0
Telephone (land line)................... 45
Mobile phone............................ 31
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 50
Clothing................................ 10
Petrol/diesel........................... 130
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 16
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 12
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25
Haircuts................................ 0
Entertainment........................... 30
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 614

Assets
Cash.................................... 4000
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 4000

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 2,111
Expenses (including HP & secured debts). 614
Available for debt repayments........... 1,497
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 1,497
Personal Balance Sheet Summary
Total assets (things you own)........... 4,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 4,000
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.


We decided on a slightly more expensive life insurance which gave us more cover, we do have 3 kids after all!!!