Making a start... new mfw

ixia

Afternoon

I have collected 7 adpoints today and 50p on a survey. I've checked my clubcard balance and I have £32 in vouchers just now and £30 pending, not bad as I said previously I hink I will use them for xmas.

I checked nectar points and have £10ish in them mainly from adpoints and I have £20 vouchers for there too I got from VO I will use them for a shop a some point this month to bring down grocery spends and I will move money to OP pot.

I have spent another £51 on groceries since I last updated so £106.61 but I am hoping to do a bare minimum shop this week as I have loads in.

I made lunches for work today and I will do the same tomorrow.

Dinner tnight will be a creamy pasta with veggie bacon and some other bits in it to use up a tub of philly that's been opened for a couple of slices of toast :mad: if I don't use it up today it will need to be binned. I have left some mackerel out too and I will make some mackerel pate to use for lunches tomoorow and coronation quorn.

Washing out to line dry and I did the ironing yesterday it's mainly towels so don't think I will need to iron much tonight.

Managed to get a pair of PJs in @rgos ale that were on HUKD for 99p, I will put them away to put in with one of my nephews xmas :T very happy with that.

ixia

Morning all

Last night I went to visit my best friend had a good chat and a laugh it's always a tonic.

Popped into shops and got some bits on the way I will update the spends later and upload receipt too as I will get 40p back from clicksnap.

Still no OP made, but have had a letter in from bank:

mortgage term left is: 8 years
balance remaining is : £42 219.52

I can't wait to make an OP and get it sub 42k but too many things getting in the way the last few weeks.

I have renewed my car insurance but it ended up costing £50 more than the renewal because Oh got some points :mad: and he is named driver on my policy.

Cashback has gone in from visa for the month £4.25 and I referred OH to £co for £20. I booked hotel in krakow via his account so £11ish cash back tracked for that. 15 adpoints collected too.

I am going to take my dad to local garden store this morning as he needs some stuff but not sure what else I will do today.

Have a great Saturday!!!

ixia

Morning all

Just a quick update, nothing much happening on the mortgage front I have had a lot of expenses recently and been very busy so haven't had time to post. I've also had a few unexpected days and nights out which have eaten into funds, had a great time though and you need to live lol.

No OP as yet and off to Barcelona on Thursday so don't expect to make one any time soon.

I am still doing my usual surveys etc and just plodding away.

Hope everyone else doing well!!!

tootoo

Have a good time in Barcelona

ixia

Hi all

had a great time in Barcelona. Spent less than I thought so all good. I've mad an OP today of £500 so I am pleased with that. :TThat has taken me into the £41ks and normal mortgage payment went out on Saturday.

I will update with exact figures when I receive my letter. Still doing the usual moneysaving bits.

ixia

Hi all :)

ixia

Hi all

I haven't posted for ages as I haven't been able to make any OP's recently.

I am disappointed but have just had loads of expenses. I had a lovely few days in Krakow with OH, loads of birthdays OH's mot and my sons 21st so all in all it has taken its toll on my purse.

DS is away to germany for a few days with his mates, his birthday pressie so one less person to cook for this week.

I have started the xmas shopping and I'm doing not too bad with that been using up nectar point, CC points etc to help reduce the costs a bit. Just can't seem to find the extra £500 to OP and realitically don't think there will be any more this side of the year.

Still plodding on doing my usual daily moneysaving things hope everyone else is doing well.

ixia

Hi all

Still no OP's to report

I have done most of my Xmas shopping this week downloaded a voucher for body shop and got £50 with of stuff for £25 and cash back from TCB so pleased with that. I also got some earrings to put in with MILs in the sale. Just need to pickup another few bits and the rest will be cash.

Got some stuff from matalan with 20% off and new look with 25% off and got a good deal on fragrances from boots.

Hoping to pick up the few bits I have left to get through the week and then I can work out budget for the rest of the year.

I bought a delivery saver for mr t half price for 6 months so will make use of that hopefully should be a saving in petrol in the long run and will stop me putting extra things in the basket. Used TCB and £6 has tracked :T

I have loads in and I am going to do a meal plan tomorrow for the week. DS is going to London for a few days for a gig so that's cut out buying meat this week as I will just have whatever I make for the 3 veggies in the house.

I have put some change in my tin that will be the start for my next OP think it might take a while lol.

ixia

Forgot to add will make lunches for school and work tomorrow. So hopefully will have a NSD.

ixia

Update for today

£15.89 from cash back for 123 account
25p snap and save
Lunches for work
NSD

Going to do my meal plan for the rest of the week, some ironing and a general tidy round.