Aspirations of Frugality and Fun on the Road to Mortgage Freedom

DedicatedDFW

Hi greent - thank you so much for looking into this for me - it would be option 3 sadly i really appreciate you taking the time to find out and let me know

but there's hope for me yet with the half marathon then :rotfl::rotfl::rotfl:

Karmacat

You're in work tomorrow, I think? Hope it goes well ... it *does* sound uncomfortable, absolutely ...

DedicatedDFW

1, Amalgamate 3 mini notepads into 1 & all the scraps of paper i jot on too = tidier home

2, find and list 10 items on the bay

3, Write a list of all financials to be reviewed and actions needed: private pension,
work pension - contact re. increasing payments & find out what works contributions are and if i can transfer the pension when i leave
ISA - have i used it?, what is it giving me?
S&S ISA - what are my commitments? is it a good return?
Savings pot 1: - what is my commitment, what is maturity,
Savings pot 2: what is my commitment, what is maturity,
Stooze card: detailed plan to clear remaining balance
Credit Card: check rewards system - are there any better rewards?
Credit Card 3: Note to self pay minimum each month, clear balance before interest free expires and before june/july next year
Mini Current account: Shall i switch it out? Why do i like having it? Should I open a different current account elsewhere to switch? I know the company i dislike after really bad service so will use for this :T
List of banks transfer rewards
Savings for Loft
Savings for Gutters
Savings for Gate
Savings for - decide on next target
Pay into PB
Mortgage - aims, targets - goal next year already set
MB
CB
- thought i'd pop most of it down so it was out of my head and on paper as it were

4, revise for language class - like KC learn it so its sunk in to a gut level Thanks KC

5, practice music

6, up to date on Uni stuff

7, remember to pay the utility bill

8, List food purchases so far this month and keep a track

gallygirl

Crikey, good luck with all that :j

Karmacat

That *is* a lot :eek: but if anyone can do it, you can :j

Good comments on analysing current savings and investments, actually - I need to be doing all that by the end of this month.

in_need_of_direction

writing that list would wear me out

DedicatedDFW

gallygirl wrote: »

Crikey, good luck with all that :j

Karmacat wrote: »

That *is* a lot :eek: but if anyone can do it, you can :j

Good comments on analysing current savings and investments, actually - I need to be doing all that by the end of this month.

Thank you both There*is* alot to be hgoing on with but the financials section was only to actually list it and put actions against them - so i've already more or less done that :T The list is so i can do a thorough review in the timw i set aside each week :cool:

DedicatedDFW

So far today i have been screened out of more surveys than i have completed - isn't that always the case?

Banking has all been checked and i then had to go back in so i could make *most* of my accounts tidy Loft - savings target of £300 reached - this is for new insulation, boarding, hatch and ladder so I have removed this target from my sig and added in the new gate target - which i want before christmas :eek:

Gutter target will be achieved by the end of this month so I will either need another new savings target then or just throw everything at the gate fund and concentrate on 1 thing at a time ??? What does everyone else think? Other targets are the *need* for new windows, doors, bathroom, plastering.. so all quite a bit more expensive. I guess i'm hoping :eek::eek: once the bathroom target is reached then the loft and gutters will get done at the same time - the loft because the access is just outside the bathroom and i don't want all that mess over my lovely new room and because they'll need to get into the loft for the extractor too so get all that done at once. Along with guttering as it needs to be done. The plastering that needs doing is the very wee landing and stairs and living room so ideally that would be done at the same time too. Although maybe just the stairs and landing as the living room might need re-doing when the window is replaced... so the next target i guess should be for the plastering to be done (and then the small target of new bannister and fixtures for this...)

Have just decluttered 1 pair of pj bottoms to the bin - thats all they were good for. And 3 tops ready to be listed on the bay of e

Second lot of washing is doing its thing

Food lifted out of freezer ready for prep for meals for the week, and in an attempt to create some space in the freezer too, as well as using up some jars :T

Hope its a good day for all x

Karmacat

Definitely get lots of messy work done at once - it takes *forever* to clean things!

Have some down time today, yes?

DedicatedDFW

Karmacat wrote: »

Definitely get lots of messy work done at once - it takes *forever* to clean things!

Have some down time today, yes?

Hi KC - i agree but need to get my Mr to see the benefits of this...