Making Small Changes to Create A Big Difference

hanging_on_in_there...

Just read your diary and wanted to wish you well ! You sound as though too have things under control!
Bo xx

yukkibear

Thanks hanging on in there. I wish my balances were like yours though

I'm starting to go through the house very slowly with the mentality of if it hasn't been used in six months it's going unless it serves a bigger purpose/

I have created space in a drawer and a bag for the shredder. There is a bag for the charity shop and I have attempted to whittle down my fabric stash and sorted four pieces that I don't want so listed that and some other bits on my local sale site.

yukkibear

£6 to add to the pot today and an item removed from my house. Have I got 68 thousand items I could sell for £1:rotfl:

yukkibear

£3 FB sale today and requested £52 from TCB.

Sorted a few more bits and pieces for decluttering, received some vouchers in the post which will go towards food.

Not a bad day in MFW land

yukkibear

Had a big sort out in DD's room today. She has parted with quite a lot of stuff that she's grown out of which I'm pleased about as she's a hoarder.
We have a pile to go to friends, a bag full for the charity shop and a pile for listing on the local sale site.

Small steps .......

yukkibear

We ended the month with a £43.81 amount under budget so sent that off to the mortgage. Since clearing out DD's room last weekend, I have £40 in notes and bagged coins to go into the bank from items we have sold on the local selling site. That's going into the bank tomorrow and will be sent as an overpayment.

giblet1979

Fantastic to come in under budget! Great stuff x

yukkibear

£40 paid to the mortgage yesterday. No spending is proving OK so far since the budgets have reset. The gas and electric bills have dropped into my inbox and they are a little higher than they were last month which is a shame, but still under the set budget that winter will determine.

yukkibear

I've had a productive weekend with the decluttering and sorting piles for sale, charity etc.

Also been playing with the mortgage calculators. If we can rid the big mortgage £68k in six years then we can borrow enough to buy our forever home and still have a long enough term to not have to OP if we didn't want to. Of course we would! But I'd like to keep the payments similar to stay financially comfortable (assuming the rates don't hike).

MFW's and their calculators eh! It's spurring me on to keep decluttering and budgeting though.

I did a cash back b!ngo offer at the weekend and should be £30 in profit from that so that will go as an OP when I get it.

Also did a shop at L!dl this weekend and only spent £40! The only thing I can think of we didn't get was yoghurts for lunch boxes. Keep thinking I must have missed something.