I have a dream...to be a money magnet!

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  • Miss_Money_Magnet
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    A NSD today. Chicken curry and rice for tea, chicken curry rice and chips tomorrow. Always seems taste even nicer on second day. Cook once eat twice is much more economical- in terms of money but also in terms of time.
    Starting to make my May shopping lists and need to plan my budget.

    Money Magnet activities: buy mirror on thurs for Ald* voucher £5 off. Depending on dates might be worth me buying 2 papers.
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • Miss_Money_Magnet
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    Finally managed to set up my online banking for tesco cc. Have had a look at spending for may and itll be a tight one due to birthdays but if Im realllllly careful I might just do it!
    Im not going to do big shops as soon as I get paid. Going to try and last it out a bit as we have some cleaning stuff/toiletries/ food left so far. My target is to make the food budget last for this 5 week month.
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • Miss_Money_Magnet
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    Pay day at last. Have directed my money to the different pots. Decided the car maintenance fund was looking ok so paid the £40 to the mortgage instead...a good start!
    Went to £land tonight and was quite pleased with what I got (not somewhere I normally go, but happened to be passing). 3 for £2 on foxs mini pack biscuits which I normally pay £1 for each bagful at Ald*, grass seed- bought 2 boxes (was going to say £1 but guess I don't need to as the superintelligent MFW's will be able to figure out the price!!!!!), gardening gloves, 'stocking filler' type bday toys, maltesers. Last year I paid £9 for a bag of grass seed! (I'm learning!)
    I was a bit cross with myself because I spent about £7 on some goggles for son at swimming this week and they were...well...you guessed it...much cheaper in £land!
    Then popped in T*sco for some bits I can't get elsewhere.. beefsteak tomatoes, fresh bread, etc.
    Paid for everything, incl 2 weeks petrol on my clubcard cc and Ive now transferred the money to the cc pot. Still a bit nervous about this plan but as long as I keep putting the money aside it should be ok.
    I have tried hard lately to think 'how much can I afford to spend..on bdays etc', as advised by Martin Lewis...rather than...I need to spend this much/buy this. It does work!

    Money Magnet Activities: Go through cupboards/freezer and meal plan for next week, use Aldi £5 off voucher and other vouchers from paper this week, hang out washing, go to JTF tomorrow and see if I can bulk buy rice and other basics...haven't tried this before. All savings now nicely tucked away in leading rate ISAs.

    Trying to see how little I can spend on groceries this month without compromising on the quality of meals. £27/£320 so far.
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • brummiebabe
    brummiebabe Posts: 1,894 Forumite
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    All sounding good Miss Money Magnet....I'm trying to stick to a cash only weekly budget....am hoping it works to keep my spending in order!!:rotfl:
    20p Saver Club #33 60p/£100
    Christmas Saving £0/£1300

    Saving Target 2014 £25/£1000
  • Miss_Money_Magnet
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    Hi BB
    Last month my cash only budget worked really well! If this months 'collect loadsa t*sco points is a disaster Ill revert to cash only too. We shall see!!!!
    Today... Going out for lunch with an old friend to a place with lots of nice shops.... There may be trouble ahead.. I will try to stay strong!
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • brummiebabe
    brummiebabe Posts: 1,894 Forumite
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    Know what you mean about the Tesco points......I paid for this weeks shop with my Clubcard Credit card, and have moved the money into a separate account.....but do worry that I'll "forget" and use it for something else:eek: I'm just going to pay it off, as soon as this months statement is produced;)
    20p Saver Club #33 60p/£100
    Christmas Saving £0/£1300

    Saving Target 2014 £25/£1000
  • Miss_Money_Magnet
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    A cheap day yesterday overall. Went a bit over on groceries but nothing major and all necessary. Really want to increase my regular overpayment but can't at mo, not if I want to still pay into ISA. I can see over the next few months I may have the opportunity to increase it, just need to be patient for now!
    Part of me sometimes thinks I should move house sooner... But my sensible head thinks Im better getting mortgage down a bit over next 4 years then borrowing less. Plus need to get some jobs done on house first.
    Today should be cheap... Nice walk somewhere then cook a sunday roast.
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • Miss_Money_Magnet
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    Not much to report. Watching the pennies, 2 NSDs so far this week. Waiting for all DDs to go off and then I can see where I am!
    Sent off for a T*sco gold bag and put in an old ring and old necklace to post off tomorrow. Any money earned will be OPd.
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • Miss_Money_Magnet
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    Just been trying not to overspend but already wondering where the money went!! Been offered £103 for that little bit of gold...was hoping for £30 so a pleasant surprise. Plan to o/p at least £50.
    Mortgage now under the £114,000 mark.. Need to update my signature.
    Not going to be a great month for o/ps but main target is to stay in the black !!
    "Never underestimate the power of small amounts"
    New Mortgage started March 17 £236,000 (28 years) NOW £231,500 March 3 18. 68% LTV. £221,100 Aug 19 £210,000 Jan 2020 £206000 April 2020 £204000 May £202,997, Aug 20 £199,554, Dec 20 £196,629 June 21 £185,200
  • ajmoney
    ajmoney Posts: 6,245 Forumite
    Name Dropper First Anniversary First Post
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    Finally got round to reading new diaries and thought I should start with yours seeing as you have already been to mine. You have made a great start so keep going.
    MFW 2024 No. 7 £500/£1200 MFiT-T6 No. 70 £15420.41/£22787.04
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