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MFW Diary.....before moving in!!!

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Comments

  • LauraWxx
    LauraWxx Posts: 565 Forumite
    0 Days!!

    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
    :beer::beer::beer::beer::beer::beer::beer::beer::beer:
    :D:D:D:D:D:D:D:D:D:D:D:D:D
    :T:T:T:T:T:T:T:T:T:T:T:T:T:T
    ;););););););););););););););)


    Just got to wait until lunchtime and then i can go pick up the keys!!!!!

    Hope all are well on this fantastic day!!!:D:D
    2019 Totals: Savings: £929.53 / Mortgage OP - £746.32

    Grocery challange April: £130.17of £500 target remaining
  • quintwins
    quintwins Posts: 5,179 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    yay :j:j:j
    DEC GC £463.67/£450
    EF- £110/COLOR]/£1000
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    Tenth Anniversary 1,000 Posts Mortgage-free Glee!
    Fantastic...:j:beer::j:beer::j:beer::j
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • Hooorah :T:j:beer:
    April 14 Deposit Target: [STRIKE]£31,660[/STRIKE] £35038/67,620 -[STRIKE] 46.82%[/STRIKE] 51.81% (£15582 to save + £17k from car sale)
    2014 - Buy (hopefully) the 'Forever' Home :T
    2024 - Be MF :eek:
    Remember: "Live a good life. In the end it's not the years in the life, it's life in the years" - Abe Lincoln
  • LauraWxx
    LauraWxx Posts: 565 Forumite
    edited 29 August 2012 at 8:35AM
    Thank you for your well wishes! Yesterday was quite an emotional day ... so happy to finally have it, be a homeowner and an official MFW!!!!

    I am moving in on Saturday, the next few days are being spent with various things being delivered and my bf there on Friday to build some of the flat pack stuff and allow deliveries of sofa etc.

    Weekly spends wise...last week was ok, all money spent but pretty happy with what it was spent on, proper items and evenings out rather than frittered away.
    This week - I have a reduced amount as the first payment which happens to be a double payment for my home insurance has already come out of the bank. I have the money in other accounts to cover it but think I will just take the hit on this weeks spends instead.

    So £70 will be my allowance this week. Need to put petrol in, although will do a reduced amount as still loads left from the week I went to London and filled up which rolled over with last weeks top up!!

    We are having a takeaway for tea tonight so that could be another tenner ish but then no real other spends for the next few days. There will be stuff to get on Sunday but it will either be the first food shop (Which my Mom has offered to pay for) or home stuff which is all pretty much budgeted for.

    Applied for the Santander 123 account yesterday through TCB and should get £55 cash back once the account is activated. Going to open the Halifax reward account today also. I figure it will prob take me a month to get all the accounts up and running with internet banking passwords etc, but then i can set up my banking how I want it to stay organised and earn as much £££'s as possible.

    Hope all are well in MFW land :-) xxxx
    2019 Totals: Savings: £929.53 / Mortgage OP - £746.32

    Grocery challange April: £130.17of £500 target remaining
  • misscousinitt
    misscousinitt Posts: 3,655 Forumite
    Tenth Anniversary 1,000 Posts Mortgage-free Glee!
    Glad everything is going ok.

    Good luck with the move on Saturday - exciting stuff.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £82, 595.61 (31.08.2019)
    OP's to Date £8500

    Renovation Fund:£511.39;
    Nectar Points Balance: approx £30 (31.08.2019)
  • LauraWxx
    LauraWxx Posts: 565 Forumite
    LauraWxx wrote: »
    Spending Diary for Week 22/08/2012 - 29/08/2012

    Starting Balance £100

    22/08/2012 - £30.00 (Mr T Petrol) - Necessary Expense
    23/08/2012 - NSD :j
    24/08/2012 - NSD :j
    25/08/2012 - £5.00 Next Coasters
    25/08/2012 - £16.00 Top from peacocks
    25/08/2012 - £20.00 Night out
    26/08/2012 - £5.00 Top up shop for house we have been stayin at
    26/08/2012 - £10.00 cinema trip
    26/08/2012 - £5.00 McD's tea
    27/08/2012 - £6.00 Fried breakfast gear - to feed a friend who has built lots of flat pack for me today




    Current Balance - £3.00


    So 2 NSD's which is great!
    £30 in necessary costs

    And the rest was not necessities but I have to say I am pleased with it all. Clothes are meant to come out of weekly money so the top is fine.

    The cinema trip was expensive as that was when the McD's tea happened as well, a bit better planning could have reduced that spend a bit, but as stated before I want to continue enjoying myself and having a life, not cut everything back to the bones.

    No real top up shops this week, apart from the one to get some staples in for bf's sister as they had been on holiday for a week and we had been staying at there house.

    Goes to show what a good effect planning will have on my weekly money!


    Cant believe that it is the end of the month, i am in the middle of a house move and have money left in my account and more importantly am organised and no that I can get through the move and the first few weeks without mucking up my banking and the organisation. Better yet its looking like I will actually be able to SAVE money and put into my savings account during this time...:j:j

    For that i am so thankful to this website and all your diaries that I have read that have really inspired me. I would hate to think how unorganised I might of been...so thank you everyone!!!!

    Right, best stop rambling and get the new weeks spending diary on the go as I am getting a little bit like gwyneth at the oscars here!! xxxx

    :beer::beer:
    2019 Totals: Savings: £929.53 / Mortgage OP - £746.32

    Grocery challange April: £130.17of £500 target remaining
  • LauraWxx
    LauraWxx Posts: 565 Forumite
    edited 31 August 2012 at 8:48AM
    Spending Diary for Week 29/08/2012 - 05/09/2012

    Starting Balance £70
    (reduced spend this week, insurance payment taken early and rather than move money from another acc decided to take the hit from spending money!!)

    29/08/2012 - £25.00 (Mr T Petrol) - Necessary Expense
    29/08/2012 - £5.00 (Takeaway) - Unnecessary but don't begrudge spending
    30/08/2012 - £5.20 (Mr T Express - Pepsi Stock up on offer) - Regular expense
    30/08/2012 - £2.00 (Morrisons Whoopsies) Pies to put in freezer at flat - 8 for £2
    31/08/2012 - £22.00 KFC For Sis, mate & Mom to thank for helping me move...and yes there were leftovers...were not THAT greedy:p!!!




    Current Balance - £10.80
    2019 Totals: Savings: £929.53 / Mortgage OP - £746.32

    Grocery challange April: £130.17of £500 target remaining
  • LauraWxx
    LauraWxx Posts: 565 Forumite
    The takeaway last night was delicious and was £15 between me and bf...he put a tenner in so I only had to find a fiver.

    I have a load of stuff to move tonight....all the heavy items, am using my best mate and sister to help out (bf at work) and as they have been so good the last few weeks with moving things, coming with me to buy things etc, i am going to offer to take them both out for tea afterwards, only somewhere cheapish, like a 2-4-1 but just want them to know how much I appreciate there help and dont want them to think i am taking advantage!

    I can see me having none of my weekly spends left by the weekend, but am doing a full shop on sunday (courtesy of mom) so shouldnt really need to spend too much between sunday and next wednesday. If its needed, then I can always draw the £30 from my bills account to cover the home insurance which I paid early this month and out of spends account!

    So apart from all that its just focusing on the flat and moving in on Saturday. Early start on saturday - need to be at the flat by 8:eek:, so if the heavy stuff is already over there, I am hoping that we (my sister is helping me on moving day) should be finished by around 2-3ish so we can have a few hours relax before my mom comes over with lasagne's that she is making to feed everyone who has helped with the move who wil be popping in saturday night.

    The bf is working Saturday (strange how he is always working on the days when things need doing:D!!) but on Sunday he has the job of putting pictures, blinds, curtians, shelves etc up!! I am going to do the first big food shop and then am hoping to have a nice relaxed sunday afternoon to just chill before the working week starts again!!

    Hope all are well on here, looking forward to sunday afternoon when hopefully I can sit down and catch up on all your diaries, this week has been a bit of a 'post update and dash'!!
    xx
    2019 Totals: Savings: £929.53 / Mortgage OP - £746.32

    Grocery challange April: £130.17of £500 target remaining
  • LauraWxx
    LauraWxx Posts: 565 Forumite
    edited 30 August 2012 at 1:07PM
    VO Survey done - £1.50 and total now up to £5.50

    Still going with there two week survey which will finish this sunday and should bank me £10.

    I know £10 is the magic number for payouts, but do they only pay out in £10 multiples or can i say get a pay out for £15?

    Doesnt matter too much either way just intrigued!!

    Just been to Mr T at lunchtime and stocked up on PepsiMax, it is currently on offer in there for 86p or 89p bought 4 bottles to stock the flat up, especially this weekend when my two chief movers are also PepsiMax addicts!
    2019 Totals: Savings: £929.53 / Mortgage OP - £746.32

    Grocery challange April: £130.17of £500 target remaining
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