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I have a dream...to be a money magnet!
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I spent last night trying to figure out how to use ynab properly. I always like planning oit my budget on it but Ive never recorded spends properly on there etc. Someones thread recommended watching Nick True on youtube and that was helpful. I struggle because I get paid on the 26th so its always messy. Ive now set up my goals etc and accounts and I will have a go! Seems along month waiting for payday. I am being too tempted by Amazon- need to reign it in. I am determined to get the grocery budget back in line and with more time at home I should be able to really. Other half is exploring free view boxes with a view to ditching sky and saving £45 per month- then Ill increase my regular op."Never underestimate the power of small amounts"
New Mortgage started March 17 £236,000 (28 years) NOW £231,500 Aug 19 £210,000 Dec 20 £196,629 June 21 £185,200 Now Aug 24 £1670000 -
I tend to be much more on ynab at the start of the month and struggled a bit with transactions at first so can try to help if you have any specific questions. I found it quite hard initially accounting for my overdrafts which has thankfully been a big driver to reduce them.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming1
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Just waiting for payday!! Seems a long week... spent a few pounds on groceries today but thats all."Never underestimate the power of small amounts"
New Mortgage started March 17 £236,000 (28 years) NOW £231,500 Aug 19 £210,000 Dec 20 £196,629 June 21 £185,200 Now Aug 24 £1670000 -
Income all entered into budget on ynab. Lets see if I can keep it accurate now!
No spending planned today."Never underestimate the power of small amounts"
New Mortgage started March 17 £236,000 (28 years) NOW £231,500 Aug 19 £210,000 Dec 20 £196,629 June 21 £185,200 Now Aug 24 £1670000 -
Weve ordered some box thing and cancelled sky!! Saving £45 a month- box was a few hundred.
Im going to increase my monthly mortgage payment by £50 a month - then Ill be overpaying by £250 a month as standard- hopefully by £300 + all being well.
Ive done a big shop and will try not to buy anything until next weekend now."Never underestimate the power of small amounts"
New Mortgage started March 17 £236,000 (28 years) NOW £231,500 Aug 19 £210,000 Dec 20 £196,629 June 21 £185,200 Now Aug 24 £1670001 -
Mortgage payment gone off today. Was £203,171 so managed to scrape together the £171 from various accounts and am now in the 202’s. Ive increased my op every month by £50 and also managed increase my s and s contribution by £50 so I feel if I can maintain this then Ill be in a good place in ten years, but I can see Im getting towards a tipping point where hopefully itll start to snowball a bit with pay increases and hopefully a cheaper rate when we remortgage in a few years time etc... keeping plodding on....
"Never underestimate the power of small amounts"
New Mortgage started March 17 £236,000 (28 years) NOW £231,500 Aug 19 £210,000 Dec 20 £196,629 June 21 £185,200 Now Aug 24 £1670001 -
Ive gotten slightly obsessed with getting under the 200k mark. Ive transferred £900 from my saving and am now at £201,992. I cant scrape another penny now till pay day. Im hoping two more pay cheques and we will do it.... still huge but feels like a big milestone x"Never underestimate the power of small amounts"
New Mortgage started March 17 £236,000 (28 years) NOW £231,500 Aug 19 £210,000 Dec 20 £196,629 June 21 £185,200 Now Aug 24 £1670001 -
MMM it's going to feel great to be under 200k. Not long to go.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming1
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Trying to plod on without spending now. On the home straight to pay day.
Better month food-budget wise.
Pots looking ok. Trying to make petrol last until payday then Ill fill up whilst its still so cheap, enough to last the month hopefully (not using much).
"Never underestimate the power of small amounts"
New Mortgage started March 17 £236,000 (28 years) NOW £231,500 Aug 19 £210,000 Dec 20 £196,629 June 21 £185,200 Now Aug 24 £1670001 -
Well due to go below £200k on next payment at last!!! I am sticking to my mixed plan of £150 to my s and s isa alongside overpaying the mortgage. I feel comfortable doing a bit of both. Feel really spendy at the mo but actually most is budgeted for like uniform etc. I didnt pay parking today and managed get what I needed at a good price etc. Im finding it hard to resist spending on the garden"Never underestimate the power of small amounts"
New Mortgage started March 17 £236,000 (28 years) NOW £231,500 Aug 19 £210,000 Dec 20 £196,629 June 21 £185,200 Now Aug 24 £1670003
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