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

Hiddenidenity

Oh I got the shop and scan invite today too x

LauraWxx

congratulations!! I am intrigued to know how they structure there payments, weather lots of small shops works the same way as one big one?! I have asked Tilly a couple of questions which she will hopefully see later, really looking forward to getting home and registering!!

Now the challenge will be to get the bf to keep his receipts!!

edinburgher

Totally random question Laura, but are you American?

I've read my way through your diary and have been struck by your infectious enthusiasm. I'm also a new homeowner and have my own goals that have brought me into the manic world of MFW! In our case, it's OPing to get a better mortgage rate (as opposed to paying off a loan), but they're all good reasons.

Mrs E and I also found it a bit tough to budget for the first few months in our new home. Don't be afraid to backslide with the savings if you have to, just don't give up entirely!

LauraWxx

hahaha no not at all...from the lovely Midlands!!! I worked for an american company for a good while so perhaps it rubbed off on me!!

I think I was just so desperate to finally get my own place and I have been on a high ever since :D

Thanks for reading my diary...hope it made sense...sometimes I use it to report how I am doing and sometime I use it to just get my thoughts and plans down on paper!

I think the thing with me is I like planning, no two ways about it...I love a plan and a spreadsheet!!

Congratulations on becoming a homeowner as well, hope you are enjoying it as much as I am :beer:

edinburgher

hahaha no not at all...from the lovely Midlands!!! I worked for an american company for a good while so perhaps it rubbed off on me!!

I asked because of the frequent references to your 'mom'

Thanks for reading my diary...hope it made sense...sometimes I use it to report how I am doing and sometime I use it to just get my thoughts and plans down on paper!

I think we all like that - there's a real vicarious thrill to reading up on everyone's crazy schemes and OPs that helps keep us motivated on our own journeys.

I think the thing with me is I like planning, no two ways about it...I love a plan and a spreadsheet!!

I hear you - currently have my finance spreadsheets projected out for the next 20 years

LauraWxx

Spending Diary for Week 18/10/2012 - 25/10/2012
(trying to push back to Friday to Thursday - this week increasing 1 day)

Total - £115 (inc £15pw contribution bf gives me for food shopping)

Budget
£35 - Petrol
£20 - BF's Sister (Xmas Pressie we have all clubbed together for)
£15 - Xmas Present
£45 - Food Shopping

An increase in the food shopping this week as an expensive week coming up next week (mom's birthday and a dinner out so stocking up!)

Actual
£35.00 - Mr T Petrol
£8.00 - Dinner out with friend
£8.30 - Mr T (Cleaning stuff & Stamps)
£20.00 - BF's sister
£15.00 - Xmas Present
£8.20 - Morrisons (Food Shopping)
£2.00 - Morrisons (Saving Stamps)
£2.75 - Morrisons (Top up saving Stamps)
£15.75 - Aldi food shopping (Was actually more than this but suplimented with a bit of birthday money).

Total
£115.00 / £0.00 remaining

A bit of a different format for the spending diary now, I thinking putting in a budget section should help me keep focused.

LauraWxx

edinburgher wrote: »

I asked because of the frequent references to your 'mom'

I think that def a midlands thing :D

spenceeyftb

Enjoyed reading this again today.

We are looking at mortgages at the moment and have decided on a lower but longer mortgage but will over pay. This at least allows us some space to breathe should anything go wrong.

Should be around 2 months until we move in to our new place - all very exciting!

LauraWxx

Thank you Spencer, thats a wise choice I think breathing room is always needed especially if you are a ftb and unsure of certian costs.

These two months will fly by....

LauraWxx

very productive evening...

• Registered Shop and Scan account, just got to await clicker delivery and then can start!
• Found out supporting evidence (P60 and payslips) for my uni grant application.
• Paperwork sorted for change of Electrol Roll address.
• Pictures uploaded to snagging list.
• Heating only just gone on and going to be going off again in about half an hour, just to take the chill off the bedroom for when I get into bed....which incidentally will not be too far away...yet again im very tired!!!