The BIG Plan...

MummyEm

Trying to get back in to some eb@ying. Listed 10 items. One has sold, two others have bids and several have watchers.
Ordered shoe rack for front hall as been desperately lacking for about 4 years now. Found one i love for £215 inc delivery (ummm no!), hunted around for a better price ended up ordering the exact same one for £135 inc delivery plus 10% cashback.
Also had to order a new iron as ours died but the less said about that, the better as it's a boring way to spend money.

To do
- [STRIKE]decide on some funds for my newly transferred pension/ISA/kids ISAs[/STRIKE]
- find new BB deal as BT is now out of contract and they are charging through the roof
- post eb@y parcel
- list 5 more items to eb@y
- [STRIKE]go through kids wardrobes and decide what's needed for autumn/winter and purchase (def both need winter coats and boots as just made do last year and both absolutely no small now)[/STRIKE]

MummyEm

Aaagh can't work out how to edit my post off my phone.

To do also

- [STRIKE]go through budget for the month (looking particularly shocking currently). V low pay month plus lots of outgoings so need to minimise the impact else we'll have no savings left by Christmas ��[/STRIKE]

MummyEm

An impromptu day stuck at home so decided to actually tackle those investment funds - it's only taken about 6 months!
Got the budget tackled for the month and it's not really as bad as I was envisioning, thankfully.
Also sorted out a banking complaint with ha1!f@x for which they have kindly given me £35 as a good will gesture.
Have a quick look over the kids clothes and have ordered most of what's needed. Still need coats and boots though so quite an expense there to come.

OP made for October of £355.65

MummyEm

It's mostly been eb@ing here on the money front.
-4 parcels posted yesterday
-2 parcels to pack up (one of which was a large bundle of 100+ toys so my decluttering figures are looking great!)
-final bill through from e0n £23.81 in credit to be refunded in next ten days so that will go to savings pot
Still need to contact BT and finish up to clothes shopping for the kiddies

Betterthanever

Good work on the [EMAIL="eb@ying"]eb@ying[/EMAIL] front. I really need to get my act together and get back into it. I got quite proficient at one stage, but have reverted to taking things to the charity shop instead. Not quite what I should be doing but at least, I guess, they are still doing more than they would if they were just staying at home gathering dust and taking up space!

MummyEm

October payday and lots of budget juggling sees us complete our Emergency fund up to £20k cash. Given that we've some extra in shares too, we've decided that were happy with that figure and that's certainly should be enough to see us through a substantial downpour.

Mortgage people have reduced our monthly payment so of November 1st but only notified us on the 2nd. It's a fixed rate mortgage and all our OPs have been correctly allocated so no idea what they're up to. It only amounts to less than £300 over the remaining course of the mortgage but I've out in a complaint based on the fact that they gave us no notice or explanation.

Off to calculate where we are with our yearly OP target and update signature...

MummyEm

Current OP for 2017 stand at £2527.55 against our target of £1900!!
December OP already arranged for £237.45 which would take us to a total of £2527.55.
as per my previous post, mortgage company have lowered our monthly payment which I've calculated to be £261.96 over the course of the mortgage. What I may try to do as a mini challenge is to see if I can't scrape that together by the end of November and pay that off as an extra OP this month to negate the effects of the lower DD.

atypicalblonde

Lovely to see you posting again Em xx