The End May Actually Be in Sight...

RoaringTwenties

Hi clippy_girl, thanks for reading :beer:

I keep hearing about this Santander 123 account! I'm a SAHM so no salary, but a joint account could be worth looking into. I think my best friend has just opened one, might have to ask her. Will check out the Nationwide one you mentioned too, 5% is positive riches when it comes to interest these days

Thanks again for dropping by, good luck with your holiday fund

RoaringTwenties

I am in possession of Mini Eggs :T. Sainsys were the only place that had them but I think they had the entire nation's stock in my local store :rotfl:

Easter nests here we come

Crumpets

Yay! Great news RT:T happy Easter

C xx

RoaringTwenties

Just a quick update tonight, had a nice day out for OH's birthday yesterday, and far less spendy than I thought as the place we went to isn't the cheapest (a massive garden centre near here, quite powshe that's meant to be 'posh' in a posh voice it wins Garden Centre of The Year every year if you can believe that such an award exists :rotfl:) Anyway we got there early and the restaurant was still serving breakfast and it was an astonishing £3.95 per person (this is v cheap relative to the normal menu prices!) The quality is top (quite powshe really ) so we were v pleased.

But I did buy a pair of shoes from Paris tonight :eek:. Now that does make me sound powshe I know but the truth is they're a boring Clarks shoe that I've found unfeasibly comfortable, bought several pairs here a couple of years ago, then a pair came up on eBay so I bought them last year, and the seller had a final pair so I've whipped in. I find it hard to get comfortable shoes for some reason, and I walk everywhere so they are a must. Still I shall tell everyone my shoes are being couriered from Paris as it'll make me sound well stylish :rotfl:

Despite this profligacy I *think* I'm still on for the extra £160 OP this month which would take us down to £17,999 (although official amount would be £19,999 as £2000 is in a MOS-type fund). OH doesn't get paid till next Mon but her salary comes up on her intranet by Thurs so I'll do the figures then and pay in branch if at all poss.

Hope everyone's ok post-Easter, rubbish weather here too if it's any consolation

RoaringTwenties

Just a quick update, made my usual OP of £209 in branch today :T. Didn't get OHs salary details today, will do so tomorrow, but I know we'll make the £209 for May so it seemed sensible to pay it when I was in town today as I won't be back in when the BS is open until next Wed. I still think we are on for the extra £160 but will know tomorrow when I've been through the figures. According to my eBay app I've made £80.30 in the last 31 days :T. It has been a bit mad posting parcels every other day, but has been worth it.

Fuller update tomorrow hopefully :money:

RoaringTwenties

Finally got child-free time to go through our finances today, but it's not the best news Going to skip the £160 extra OP. I've worked it out and it means a few extra compromises which I'm not prepared for us to make. There were just too many of those before the inheritance, we've really enjoyed being able to live a bit, and as I keep reading on here, the path to MF is a marathon not a sprint! We've made the usual £209 OP so it's not like we're not plugging away at it, and still on target for total MF June the year after next, we won't even be 41. I think we've almost got used to big changes each month as my sig shows, but it's not sustainable & a bit of perspective wouldn't go amiss just now! Plus whilst the extra OP would have taken us over a psychological barrier - down to the 17s - we can't pay £1000 a month so some months there wouldn't be a big number change regardless. If I skip it this month there will deffo be one next month

Meanwhile OH has had a brilliant Dragon's Den idea - a refillable children's drinks carton. Yes that's what I thought too :rotfl:. Still, if it comes off I can reinstate the extra OPs

Crumpets

Hello RT, have you recovered from the Easter holidays yet? It sounds like you had a good bargain breakfast at the 'powshe' garden centre :rotfl::T those places usually cost the earth. We also have a similar garden centre near us who also boast the title of garden centre of the year...maybe they were in different competitions :rotfl:

Great news on the eBay funds and making your regular op. I think you are doing the right thing on not compromising on things for the sake of getting over that barrier, like you say it will happen next month. And to be on target to be MF by 41 is amazing, just think of what you'll be able to do then, and smugly think about all those other non MFW people that will still be paying off their mortgages for the next 15 years :cool:

I think your oh is onto a winner with her dragons den idea...put me down for 3 please :rotfl:

Crumpets x

gallygirl

Crumpets wrote: »

I think your oh is onto a winner with her dragons den idea...put me down for 3 please :rotfl:

I'm interested and well and would like to invest. I found 5p yesterday, count me in :T. For a 20% stake .

greent

Another one here who thinks it's good to slow down occasionally. Compromises are ok sometimes - but not all the time - fun is a necessity too

RoaringTwenties

Hi gallygirl, greent and Crumpets

The refillable drinks carton is inspired by OH [STRIKE]the eco warrier[/STRIKE] being fed up of having to throw away the little juice cartons that the kids get through. We have no-where locally to recycle them. She has some idea about replaceable foil for the little bit you put the straw through...yes I know, I know

Crumpets how funny about your garden centre! Maybe they all win Local Garden Centre of the Year - a competition only they can enter and whom they judge?

Well (oh look another "weeeellll" ) it's been all change chez RT :T. Basically our car insurance was up for renewal, I thought that at £229 the renewal cost was pretty competitive but I found a slightly cheaper one online (via MSE natch :money:) and when I contacted the existing provider they said they'd beat it! So we paid £212 in the end. (I didn't actually want to go with the one who initially undercut the existing provider, they are internet only which makes me a little nervous.) When we bought our first car the insurance was £400 and I've always budgeted for that across the year. There's usually been a bit of a surplus but this year it's a nice sizeable one :j. Have allocated it straight into the MOS and hey presto, we're into the 17s. Now I just have to work out how to get another £318 together by the end of May and we'll be into the 16s

OH is pleased obviously although a bit narked that this apparently this makes her less risky than the lowest risk group in our geographical area (read a news report on this on BBC website where they revealed regional/gender/age grading of insurance risk/cost). Essentially she is less of a concern than a 70 year old bat driving a slow-moving Corsa :rotfl: