many a mickle...

skint_spice

Many a mickle maks a muckle – or so they say - which is my plan for paying off the mortgage by dribs and drabs, no huge overpayments on this thread I’m afraid:o. After many years on the DFW board I felt it was time to graduate to MFW land in an attempt to stay focused and before new year just in case I get sucked into the sales!
Mortgage isn’t huge, current balance is £47185 but I decided to become a student this year so income has dropped considerably. Income now made up with bits and pieces – bursaries and tax credits and I’m looking for a part time job that fits in around the studies.
In 2013 I am hoping to return to making extra money in all the ways I used to while attempting to get debt free – eb@y, cd sales etc. The flat needs decluttering on a massive sale and it’s time to accept that all the pretty dresses I used to wear are now surplus to requirements so they can go… might keep a couple obviously;)… I need to cut down the grocery shopping too as I currently spend £40 for just me and DS but see lots of people managing on much less.
Anyhow I think that’s enough for now:D!

nattypants

Hurray, hurray - you're here SS :j

Hope you had a great Christmas and I'm looking forward to following your diary.

NP:D

Crisps74

Hi Skint Spice,

Good luck!! I need to keep away from the sales too...I've thought about doing things to occupy ourselves over the next few weeks within the home (mainly at weekends) so we don't venture out and hit the stores...

Butti

Happy new diary Skinty.

I think you can save MASSIVELY on the first weeks groceries by sticking to the 'My sons chocolate stash' diet. I'll be on the red cabbage diet which will be healthier but may have interesting results!

B x

skint_spice

Hello all, yes Christmas was fun Natty, lots of yummy sprouts for me . Hope you had fun too.

Crisps (did I mention I love crisps) I think the idea of fighting through the crowds is deterring me too, I still remember the Next sale in one of the Glasgow shops a few years back and shudder I have lost weight though so do need some trousers that stay up , hopefully my tops will be fine but this is the first time in years that size 10 jeans have been required:eek:

Sadly I'm not that fussed on chocolate Butti have been having a hankering for red cabbage cooked in red wine and balsamic but DS isn't that fussed so would be a bit of overkill for just me

elantan

OH, what a nice surprise, hello there pretty lady nice to see you

i agree with Butti, the chocolate stash should last atleast most of the year, you could always swap with some of butti's cabbage if you want some more vitamins,,, i imagine it would help with her "side effects" as well lol

all the best me dear will really enjoy following your journey, and i may be following you from dfw to mfw at some point

gallygirl

Hello SS and welcome, small OP's rock as you will discover on here :j.

nattypants

gallygirl wrote: »

Hello SS and welcome, small OP's rock as you will discover on here :j.

And you can't get smaller than mine:D

beanielou

Happy shiney new diary

skint_spice

Oh and to further explain...Sensible stuff!!! I have a large emergency fund which I'm not touching and no debts

I've overpaid in the past but H!lifax have kindly just adjusted the monthly payment down so I still finished at the original date, this is good as it means that my actual necessary outgoings are low but then doesn't force me to overpay either... currently on base rate and unlikely to be able to remortgage so hoping it stays low!

Calfuray

nattypants wrote: »

And you can't get smaller than mine:D

What about Tilly's £0.02 account tidy-up?

Welcome aboard SS! I'm also joining you in small OP land