My 2020 Vision

XSpender

I have been struck down by the lurgy and working some late nights this week:(. I have been spending a bit on tea and lunch at work a couple of days this week, I am not in a routine with this job yet.

Good news is clever DH got a 10%:eek: pay rise :j:T:beer:

Still some spending to cover this month:

Holiday payment - seats and bags
DMIL 70th gift and meal out
Deposit for girls weekend to see warhorse in London (talk about a coincidence!)
Theatre ticket for local comedy show
Haircuts

It seems a never ending list this month.....

muddywhitechicken

Wowzer 10% - well done Mr XS :T

Hope you feel better soon XS

XSpender

****slopes into diary and dusts the cobwebs off*****

There have been a few changes recently and I hadn't felt like updating my diary as everything was up in the air. Now things have settled down I feel ready to start again of the MFW journey.

I decided to take my redundancy earlier than planned so I am spending some time with DS and working out what I want to do.

This is going to allow me sometime to refocus on my frugal ways and also concentrate on my health as I need to get fit and improve my diet.

My targets for the rest of 2014 are:

1) clear the secured loan
2) don't tough any of my (small) redundancy payout
3) add £3000 to my savings/end the year on this balance after clearing secured using redundancy and other savings/cut backs
4) clear the 2 cc approx £3000
5) make the first full capital and interest mortgage payment by the end of the year
6) clear £400 owed to family for home improvements
7) find a job I really want to do and feel passionate about

I am going to spend the next couple of weeks catching up on all the jobs/appointments I have missed this year, getting fit again and losing my flabby belly. I also want to spend more quality time with friends and family who have been neglected a bit due to work pressure.

I'm off to write a to do list for tomorrow and a mini goal list for June:)

XSpender

Morning

Today's to do list:

1) visit friends new house with cake;) changed to next week
2) find gift card and membership cards in the pile of papers/drawers - tick
3) ring job centre (oh joy:() tick
4) walk doggle
5) stick to eating plan and eat 7-8 f&v (managed 8 yesterday helped by yummy veggie chilli) - only had five as had biccies and cisps instead
6) huge tidy up so I can have a good clean over weekend - tick but more to do
7) 2-3 loads of washing - 2 done and line dried
8) ring about a job interview I have been offered - tick

That should keep me busy! I am struggling to get back in a routine since my break and I need to get back on top of the house and laundry so I can start doing other stuff like swimming and job hunting.

DH is going to give our bikes the once over at the weekend and we are going to attempt a 10 mile bike ride on sunday:eek: I haven't been on my bike for nearly 4 years!

yukkibear

Good to see you back

XSpender

Here are my goals for June:

1) walk the dog every day
2) join gym and use at least twice a week to make cost effective
3) 7-8 f&v every day
4) cut out sugar, takeaways and weekday wine
5) raise £309 towards our holiday from sales, TCB, being under budgets etc
6) spend a max £265 on food
7) 15 NSD
8) tick off 3 things on my '50 places to visit/things to do' list, use 2 for 1 garden voucher thingy
9) keep a food diary
10) keep a spending diary
11) apply for 10 jobs

XSpender

yukkibear wrote: »

Good to see you back

Thanks yukkibear

XSpender

Just lost my post:mad:

I made inroads into the layer of crud in the house but still need to do more today. I also cleaned the kitchen floor, cleared a clutter zone and made a couple of appointments.

Small TT done to the holiday account.

Plans for the weekend:
1) finish tidying up and put cases away - nearly there
2) join council gym - done, 3 months free and no payment until sept
3) do last of laundry and line dry as the sun is shining - 2 loads left
4) tweak June meal plan and write a shopping list - done
5) food shop - half done
6) bike ride or walk with DH and DS - 10k planned for this morning
7) get cash out as I am going to run an envelope system for June as it really worked for me the last time I tried it - done but need a bit more
8) decide on the best place for my current savings and redundancy money to live, having never been a great saver I don't have clue - working on it
9) use my gift card for a meal out with DH and DS (had it since March) done and only £1 over and was lovely

I have decided to move my overpayment pot from the mortgage to the savings/ISA pot as I can earn more interest and I want to be able to see exactly what I have saved to pay off the secured loan.

Right, time for another cuppa tea and breakfast.

XSpender

DS (4) woke us up this morning to tell us it was a beautiful day outside:A

We are going for a 10k walk this morning and then will spend sometime in the garden and I need to weed the gravel drive. I will need to do a small shop but DH reminded me yesterday that he is away 2 nights next week so I will only need a bit of fruit, bread, ham and milk.

I am planning to be up to date with the housework/laundry by the time DH gets back so I can get back into a routine at last.

XSpender

Morning

It is cool and breezy here today. Had a lovely walk yesterday but power walked the last 2 miles and overdid it a bit. We were shattered last night so an easy tea was made while DH did a lovely job tidying the garden.

DH is away until late Wednesday night so I am aiming to have 3 NSDs and be uber frugal. I don't have much diesel so will need to plan my trips as need to drive to the gym and job centre but will walk to he bank.

I have two returns to make but one is to the city so will do these at the end of the week and it is looking like DH will need some new work shirts. Why they make them wear white in their dirty work environment I will never know.

Today's tasks are:

Walk dog
Book gym classes for this week - done
Last 2 loads of laundry - done
Sort and put away as much clean laundry as poss
Put away my holiday shoes - done
Vacuum everywhere - all done except DS room
Clean downstairs - done
Cancel DS nursery place - done
Book docs appointment - done
Close share save for old employer - done
Open savings accounts when made a decision;) - done

I am not committing to doing ironing but may do a bit.

Off to do the banking, finish my tea and get cracking:)