Aspirations of Frugality and Fun on the Road to Mortgage Freedom

jwil

:wave: found you

jwil

Not sure I'll get on again before Christmas so:

Merry Christmas!:xmastree::santa2::xmassmile:rudolf::xmassign:

muddywhitechicken

Hello :wave:and good luck

DedicatedDFW

EchoDelta wrote: »

Wow Dedicated you sound so busy and motivated! Good luck with it all. Hope that the studying is going well.

Hi EchoDelta thanks for stopping by About to start on the study shortly - its kinda hard going at the moment as the bit we're working on is a book i really don't like I will try and stop by your diary today if you have one

DedicatedDFW

Hi jwil- glad you found me - i've popped on your thread today Lovely to hear from you and i am glad that you found me on here

Hi MWC - thank you for stopping by

DedicatedDFW

Morning All

I am super tired today but am up and have washed pots had brekkie and a cuppa :coffee:and need to plan the day :cool:

I didn't want to have a lie-in as then i would struggle to get to sleep tonight and i have to be up very early for work tomorrow

So i'm just going to finish my coffee and then start on the studying

Yesterday i got most of the presents wrapped so need to finish off a few today.

I decluttered the bit of the wardrobe i wanted to but think i may try and finish all of it before chrimble. I have decluttered so much the last 12mths that the section i did last night i kept everything - it has been pared down as far as it will go

I also need to clean and tidy downstairs today and sort out tea

I feel tired just writing all that down :rotfl::rotfl::rotfl:

I also went through my finances for the month yesterday - i'm going to check it again later but think from pay this month i can put £100 into savings - this is for the 'cushion' savings not for house jobs and maybe a small payment to the mortgage as well

With the dress i bought the other day i've not tried it on yet so will be doing that later if i am keeping it i have been told i'll be getting some money (£30) for xmas - as this is what the dress was in the sale i will 'use' that money on the dress and then send the £30 to the mortgage as well

DedicatedDFW

I've been half pondering my money targets in the back of my mind. I am on a very low wage which is just part of the reason i want a new job; and have a very small spending budget which i only just started in the last couple of months. My income will not support the targets i have set myself so in some ways wildly unrealistic - but with a new job with a reasonable income then not so unachieveable So more incentive to get a new job :cool:

My regular overpayment which i will start again in january will take me £2400 towards the £5000 overpayment target leaving me £2600 to find

£600 i should be able to do from cutting back on grocery shopping. If the grocery shopping comes in under budget for the week / monthe the difference will be split 50% to mortgage overpayment and 25% to urgent jobs. I think this should easily be achievable if i plan properly.
When i had my assignment due i did buy a lot of ready meals which cost me a bit simply because i did not have time to cook for us as well as get the words on paper. So a bit of planning will go a long way

So £2000 left to find....

There is no opportunity to earn extra money at work so overtime / payrise etc. cannot be done.

I have done MS's in the past but as the fees seem very low for alot of the jobs now i don't tend to do them - i was also finding it was time consuming searching for the jobs and then the reports etc.

Hmm so £2000 seems to be from the bay of e and carboots and cashback. Hard - but its meant to be a stretch and should be achievable Also there will be the savings on travel costs when not in work.

So i'm happy that this is a stretch for me to achieve but should be doable :T If i do get a new job then i will revise my target if my pay increases

If anyone has any suggestions for money making / saving that i've missed please let me know

DedicatedDFW

Finished section of study and am now about to start the next bit

Dusted all of downstairs - hoovering and a bit of tidying to do still.

Looked at finances again - i can pay £100 into savings :T and £10 to mortgage :T just waiting of payday to be able to do that

I like breaking things down into chunks so i'll start next bit of study, then tidy 5 items away and add ingredients for recipe to shopping list then that is done - then back here for a break

pavlovs_dog

DedicatedDFW wrote: »

If anyone has any suggestions for money making / saving that i've missed please let me know

Don't know how much spare time you have on your hands, but online surveys can bring in a few pennies. They won't make you rich overnight but its money for little effort (particularly if you spend a lot of time online anyway as you can do a lot of them in the background).

I predominantly use the money I make to help pay towards Christmas, but we've used it for things like nights out as well.

DedicatedDFW

Thanks pavlovs_dog - i have done surveys on and off - it really depends on the amount of time i have as my course takes up most of my free time tbh. But i do like getting the vouchers for doing them

Change of plans today :eek: We are going out :eek: i am shattered and have such a lot to do :eek:

I am going to vacuum downstairs and tidy away 5 more things, finish off the wrapping of xmas prezzies and then try and pull myself into a presentable state

If most of the cleaning is done by the time i go out then i should be ok - i think its just a deep clean in the kitchen that i'll need to leave until tomorrow after work as there isn't much chance of my mr taking the initiative grr!

I've done the next 2 parts of my study and have my book ready for my commute tomorrow :T

I'd best get a wriggle on - hope everyone has a good day.

Ooh - MS today - tidies a book away by listing it for sale :T