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Trying to get on track
Comments
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Well done on the mortgage and the donuts. :TOh, and ta everso for also reminding me that I've not submitted my meter readings either, due to not having the pooter. You're a good 'un INOD
GreyingOSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0 -
Second SS on that too.
Great going :T:TBack on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
A disturbed night and this is likely to become a pattern over the next few weeks. Have two essential but highly undesirable assignments to deliver. Stress levels are escalating and will continue to do so. This will be the biggest test of sugar control and money saving. Still it's not gonna get any easier by me hiding from it.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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Come on INOD. You can do it - you are one of my role models on here. I am rooting for you. :TOSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0 -
Omg ss. You're doomed. Yesterday was a day when I lost my off switch. Leaving buns in the office and over the course of the afternoon I had three separate treats. My only redemption was that I passed on a gifted bar of chocolate to a colleague as opposed to stashing it in my drawer. Have encountered a bit of an MSE dilemma. Have found a regular savings isa paying 2.09% pa more than my mortgage costs. I do love to see the mortgage reduce though. Decisions decisions. Think I will go in and see if they accept ad hoc payments as well as minimum regular monthly amount. That might be the deciding factor. Anyhow, lots to do today. We had a lovely evening last night just catching up with 24. Need more time (and quality tv) for stuff like that.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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Hey INOD - I've no advice about the mortgage/savings dilemma, but just wanted to say well done on passing on the choc
GreyingPounds for Panes £7,305/£10,000 - start date Dec 2023
Grocery Spend August 2025 £182.09/£300
Non-food spend August 2025 £14.73/£50
Bulk Fund August 2025 £0/£100 -
That may be true :rotfl:
I can't help with decisions either. Took me forever to decide to pay off the od and part of the card. We've just never been good at saving so I really don't want to deplete them as they never seem to go back - until now - with my role model :rotfl:
As long as the treats were free. - worse thing is if you've paid for them. I had a donut on Thursday - does free = negative calories cos I did lose a couple of lbs. :rotfl:
I was thinking of transferring my MBNA card to a 0% one but I figured I would make about £20 over the year. Normally I wouldn't refuse that but I think it's too big a risk of me getting confused about it all again so I just paid it off and saved the interest anyway. I'm keeping it simple now.
Sorry that's probably been no help! Good luck though. I'm starting to enjoy all saving money things.eve when it's someone else's.
OSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0 -
I binned half a pack of smoked salmon pate yesterday and it pained me muchly. I would have just scoffed it otherwise as kids would never eat it. It was a gift and I ate half of it in work with my workmate. It was totally delish nom nom. So well done on the donuts and chocolate bar. Bummer mind you5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
well, i just did my weekly weigh in on the wii and i'm down 1lb. that leaves me only 1lb up on where i started the year! still, must try to focus on the progress rather than the mess i made of things for the first 5 months. logged in to update the 2014 goals thread and can also report a tilly tidy today of £7. We will struggle this quarter due to 2 high credit card months but things should come right by end of august as i've in excess of £500 expenses, etc. to claim. I've decided that i'm going to open the new account and lodge either £50 or £100 to it each month. at present all our savings are in OH's name and, while I trust him implicitly, things can happen unexpectedly so having my own tax free nest egg earning a bit of interest would be no bad thing. Just not sure when i will get it done. also, not sure if i mentioned i've relatives coming to stay at the start of august. rather than have a usual blind panic about the house one day before, i'm tackling problem areas bit by bit. last week was the dumping ground for post and other bits and pieces in the hall. today it's gonna be the problem spot in the no man's land that is the landing. fingers crossed i find something ebayable though our current item on there has had minimal interest and closes tonight. i had thought it'd be popular but, who knows with that site! anyhow, gotta go as it clearly doesn't sort itself!Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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in_need_of_direction wrote: »well, i just did my weekly weigh in on the wii and i'm down 1lb. that leaves me only 1lb up on where i started the year! still, must try to focus on the progress rather than the mess i made of things for the first 5 months. logged in to update the 2014 goals thread and can also report a tilly tidy today of £7. We will struggle this quarter due to 2 high credit card months but things should come right by end of august as i've in excess of £500 expenses, etc. to claim. I've decided that i'm going to open the new account and lodge either £50 or £100 to it each month. at present all our savings are in OH's name and, while I trust him implicitly, things can happen unexpectedly so having my own tax free nest egg earning a bit of interest would be no bad thing. Just not sure when i will get it done. also, not sure if i mentioned i've relatives coming to stay at the start of august. rather than have a usual blind panic about the house one day before, i'm tackling problem areas bit by bit. last week was the dumping ground for post and other bits and pieces in the hall. today it's gonna be the problem spot in the no man's land that is the landing. fingers crossed i find something ebayable though our current item on there has had minimal interest and closes tonight. i had thought it'd be popular but, who knows with that site! anyhow, gotta go as it clearly doesn't sort itself!
You sound really positive. Definitely focus on the progress - told you that you were my role model.
I would really like to have my own savings pot too - ours are really owed to the credit card, although I do have a nice watch and some jewellery that I could cash in (DH is generous - hence the CC debt) but that is also really owed to the CC. So it would be nice to have a little stash, even £100 earning interest - I could look at selling one item and split it between us (there's 3 in this relationship: me, DH and the credit card debt). I have set DH up with his own cash account which is entirely his, while I tend to muddle in with the household one, so I like that idea.
Also like that you are working towards decluttered by August. I think I'll join you as my aim to get it all done in a weekend has failed especially as I've still those cakes to bake.OSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0
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