£192,737 mortgage!

happydays_70

Not made any OPs this month
I have decided to put the money to one side in case of emergencies. I tend to just find the money if I need to so being prepared seems sensible.
I have been frugal this month but I have got some spending to do. DD is going away with school in May on an activity weekend. She needs sleeping bag, some t shirts and leggings and bits and bobs.
I feel like I need to spend..it's like a craving. As long as I don't go out and buy a new car or something else expensive I should be ok

Luckyinlife

No worrys chin up i think and emergency fund is very important set yourself once you got it in place then u can overpay as much as you like as youll always have that to fall back on :]

Go and buy yourself some sweets works for me lol

happydays_70

Glass of wine does the trick for me ha

happydays_70

Get paid tomorrow..can't wait. I am going to try to put costs into jars/envelopes, whichever!
I need to allocate petrol, childcare, food, pocket money for DD and DS, and £30 in my purse for bits and bobs. Will see how I go with that. Anything over will go into savings/emergency pot (standing at £4000). So chuffed with myself. I feel secure when I have money to hand.

happydays_70

Had a mad moment this morning. On the way to work I saw a gardener. Asked him to start mowing my grass. Came home after work and it looks fab. Sheer indulgence for me. I tend to do all maintenance of the garden by myself but I am so busy. Really pleased. Not MS but feels like I'm not doing everything by myself

Luckyinlife

well done on getting 4k Emergency pot :] i know what you mean defiantly feel more secure
sounds like youv had a nice day :]

happydays_70

Just gone online for gas and electricity supplier..says I owe £450 and my payments are going to increase as of 1st of June to £172!! There are only 3 of us. As soon as this is paid off I'm uswitching. I'm with np0w3r!!!!

teabody

Bad news on the cost of the gas and electricity.....i do readings twice a month so that i can see any nasties coming....i am with B......gas. Their online system updates more or less straight away so i can keep on top of it.....although I am looking into Spark Ener@y as it has been recommended to me.

Well done on getting the mortgage down x

happydays_70

Thanks teabody..I am well annoyed. It seems way too much but I will obviously pay it and then jump ship.


Yes, Luckyinlife, I am really pleased with the emergency pot. I have fantasised about frittering it away on luxuries but I know I'm doing the right thing.

happydays_70

Got paid today and I feel flush - it feels like a clean slate. I have got my envelopes ready for the different spendings this month. I am going to have a wine free month too (I want to lose a bit of weight!)