Making a start... new mfw

ixia

Evening

We'll I didn't manage to wrap any presents last night and I dyed my hair tonight. Not my usual colour they have changed the codes on the pack and I ordered online si it's a shade lighter than my normal one it's not great but at least the greys covered

I ordered a few bits on new look sale page in the sale which were things I was planning to get so saved a few ££s.

Collected another few adpoints and a couple of Surveys.

I've had an email from £co saying there's another payment been sent, think it's for £20ish, it will cover the spends in NL. However, I'm down to basically nothing left in £co account now.

I need to make a plan for Xmas food and a budget. Got my Xmas night out tomorrow which will end up being costly- taxis, a meal and then drinks. It's also a workmates birthday so a £10 contribution for that too. Just as we'll it's only once a year as everything is so overpriced meal wise at Xmas time.

Didn't have my heating on today :T didn't feel too cold and I am going to have to try and cutback I have been entering my meter readings online and it has been averaging out at about £6.50 a day, that's way too much :eek:

Was going to buy paper today for @ldi voucher but my friends going to give me one as she needs to go to M's this week to claim her bonus
So small saving there.

Definitely not going yo make my OP target for the year I knew it was ambitious for me to achieve but I am disappointed I didn't manage a bit more. I will just have to look forward and try and improve next year.

We'll done to all those who have made their targets :T

ixia

Just remembered its PAYDAY tomorrow :j

This will be the decider on what else I can buy for Xmas as I will square up all the accounts and move bill money for the month etc, don't think there will be much left to be honest.

ixia

Evening all

Been a busy week and I am glad I am on holiday now for two weeks.

Have spent quite a bit but it's Xmas and it only comes once a year. I can't help myself just get carried away.

I have a mr T delivery coming tomorrow with some of the Christmas food in it. I was late booking my delivery slot so that was the nearest delivery I could get before Wednesday.

I have the family all coming to me for Xmas day but it has been good in that everyone is making a contribution so not as expensive.

I have just been doing my surveys, adpoints etc and received my first lot of mr Ts orchard vouchers. They are for sprouts,carrots and parsnips so that will help too. Although I need to go and read up what I have to do.

I will update tomorrow with budgets etc, would like to have managed another OP but definitely won't happen unless DH stumps up some cash, can't see that happening though.

Maybe I should ask for an OP for my Xmas

ixia

Just had my Mr T shop delivered, Turkey was wrong size smaller than I ordered, not good when I have everyone coming for dinner :eek: however phoned CS and they have refunded the amount and told me to keep the turkey but I will need to go out and try to get another smaller crown.

I feel as if I've never been away from shops was at @ldis, sainsbobs and mr A earlier.

ixia

Evening all

Hope everyone is organised and looking forward to Xmas.

Today I have wrapped some more presents, a few more to do. I went to mr T for my veggies, used my orchard vouchers and nought some more goodies. I really can't buy anymore fridge and freezer are bursting!!

Tomorrow I need to pick up a table and chairs from MIL's, go to bank to pick up cash to put in money envelopes. Picked up DD1's gift voucher for driving lessons today so another job done.

I have totally blown my budget but I am looking forward to the festivities and having all the family together

Have a great christmas everyone.

ixia

Evening everyone

Hope you all had a fantastic christmas. I had a great day all the family were here, dinner was lovely and a brilliant day was had by all.

I got lovely gifts and lots of toiletries too which will help reduce the grocery budget this year.

Monthly mortgage payment went out today and have just been doing adpoints and surveys.

I have a mr T delivery coming tomorrow, need yo get back into the swing of meal planning and try to make a dent in the mortgage and do better on the OP'ing front than last year.

I will look at my budgets and update with goals for next year. The good thing is I have paid off all the credit card and Amex balance off for the Xmas spends so I am on an even keel at the moment.

Tomorrow's T delivery is for about £80 but that includes some alcohol in it too that DS and OH will pay for. I also had some mocs and £8 off that they had added to my account for the Xmas delivery fiasco and they have also refunded my card with another £18. I still have quite a lot in so I am going to try and meal plan and set myself a grocery challenge for the month.

Anyway hope everyone is doing well with their own personal challenges

ixia

Thanks to the grabbit board, just managed to get freebie tickets for our trip to london in February, :T very pleased a free activity that OH will love, he loves being on the water, I'm not so keen but should be a good experience for DD.

It will help to keep the budget down.

ixia

Morning all

I have got up this morning and sorted all the bank accounts, paid anything outstanding and I am now going to sit down and work out budgets.

I have collected 44 adpoints this morning it's so boring, however my plan is to keep going with it and save it until next Xmas although you don't seem to get very many points each week now.

I have an ironing to do and the house to tidy and get everything spick and span for the new year coming.

The house wasn't too bad when I went to bed last night but left OH and DS up having a few drinks, the place is like a bomb sight this morning!! I have no idea what they were making but there was lettuce, capers and salmon lying all over kitchen worktops and floor. They are sleeping peacefully now after keeping the rest of us awake half the night, think it might be time to start hoovering

ixia

:T Just completed a survey on VO which took me up to £10 I have claimed an m&s voucher and got it already. I will use it with the £5 off £25 moc I got when I was in getting the xmas food. It will help with my grocery budget.

ixia

I've just mad a £500 OP as this is the last day to do it today within the year. New 10% starts from tomorrow. :j I have used money of OH's that is sitting in account, I will make it up or perhaps he won't notice lol.

I am also now sub 40K :T delighted I will update with exact figures when letter comes through in the new year. I am really pleased as we only started out in May didn't meet my target however I still feel we have done well. Thanks to everyone on the boards!!