Aspirations of Frugality and Fun on the Road to Mortgage Freedom

DedicatedDFW

Alchemilla wrote: »

Woohoo roadkill!

Thanks Al - none today mind x hope all is good with you and the family and ponyplops and puppylove and is there a cat as well or have i misremembered that? i will pop over soon xx

DedicatedDFW

Well, paying the mortgage and stoozes back is the most important thing - so i am returning the cardi and the skirt - would have done this already but just not had time - i am not 100% happy with the cardi so am happy to return it and if i had kept these things, along with the top that would be £39 on clothes :eek: :idea: clearly £39 i don't have to fritter - am still thinking about the top which may be returned.. tis an item of beauty mind

Spends yesterday

food shop included birthday present: £80.54 :eek::eek::eek:

Spends today

Special occasion work lunch £6.17

Not happy about the food shopping but as i said it included a birthday gift - i've checked the receipt all charged correctly and nothing extra on there. Having bought cake the other day i made sure i didn't get my treat from the supermarket this week - basically i spend £1 or £2 each for me & my Mr for treats most weeks though not if we don't need to - this means we don't go to the local shop for them where they'd cost more. Also, we stay in and watch films instead of going to the cinema so this £1 / £2 each is for cake / popcorn / crisps / sweets those sorts of things and is just nice when we pop a film on & have a little treat to go with it. i don't buy us fizzy drinks very often if i did this would be from this budget too.

I even picked up a 29p reduced item which i had for my tea when i normally spend £3.50 on my favourite quick tea after a long day working and shopping. With the £3.50 there are a couple of small multi buy things we normally use over the following week or so.

Hmm... going to see if i can declutter something to perk me up a bit :rotfl::rotfl:

Cheery_Daff

Good work DDFW :j :j Hard decision to return those clothes lass, so well done You'll get there :kisses3:

Go on then, what did you declutter?

jwil

Well done on the overpayment, it's great! It might not seem like a big dent now, but it really does make a difference.

I think I had a rough rule of thumb that every £1 overpaid was worth £2 to the mortgage. So if that's the case, you've saved over £2k in payments! There are calculators out there you can work out how much a payment saves if you are so inclined

DedicatedDFW

Cheery_Daff wrote: »

Good work DDFW :j :j Hard decision to return those clothes lass, so well done You'll get there :kisses3:

Go on then, what did you declutter?

Aw thanks Cheery Well after being all motivated a neighbour popped over for a few minutes chat & then i was completely exhausted :eek: - sure it wasn't the neighbours fault :rotfl::rotfl::rotfl: so only decluttered 1 dress but did tons more today to make up for it

DedicatedDFW

jwil wrote: »

Well done on the overpayment, it's great! It might not seem like a big dent now, but it really does make a difference.

I think I had a rough rule of thumb that every £1 overpaid was worth £2 to the mortgage. So if that's the case, you've saved over £2k in payments! There are calculators out there you can work out how much a payment saves if you are so inclined

Thanks jwil - i do go on those calcs i guess it is such a phenomenal amount and i really am trying to do my best room for improvement perchance? :rotfl::rotfl:

brizzledfw

That's a great stat jwil...and well done DDFW..de cluttering is such a powerful thing. Love it...personally need to do more of it though!

DedicatedDFW

Hey all

I'll try and catch up with everyone over the weekend - i am just exhausted today

Well, i got a bay of e invite and have now challenged myself to list or re-list the full 100 items in the timeframe :eek:

So as soon as i got in i decluttered some bits & wrote out the descriptions for them - 24 items in total - some are clothing too :T

Spends

£15 meal and drinks out

Money Saving things

walked to the station
took snacks to work so no need to spend on these
returned skirt and cardi :T - still thinking about the top
sorted some bay of e stuff - hopefully moneymaking and clears space too
No tea - too full from lunch
surveys completed
selected item to re-gift :cool:
kept the heating off even though i was very cold

Chocforever

You are doing well with your overpayments. There is only so much money to go around and you are diligent with budgeting and trying to bring in more income.

I'm still in the first year of my mortgage and a £1k overpayment saves nearly £1.5k in interest which seems astonishing when interest rates are low. It does focus my mind on paying it off as soon as possible. Well, that and finding out my projected pension is a pitiful amount.

Good luck with listing 100 items to sell. Where do you find all of these things?! I want to list a few items this weekend; I was thinking of about 4 things, mainly unwanted gifts. I should be more imaginative with finding things to sell.


Have a great weekend x

Alchemilla

Hello!
All well thanks. Gosh you have a good memory!
No puss cats here. Allergic.

Going to join you in the declutter.