TrulyMadlyMummy - Creating a better future for our children :)

Alchemilla

Thanks for the hug.

Sending you one back for your DS.x

CathT

Great news about the money saving. Sorry to hear your DH in so much pain with his back though.

Here is the overpayment calculator I find really useful
http://www.thismuchiknow.co.uk/?cat=14

Not sure why it hasn't linked, might just need to copy and paste.

CathT

Oh it has linked, I am too impatient at times!

trulymadlyhannah

CathT wrote: »

Great news about the money saving. Sorry to hear your DH in so much pain with his back though.

Here is the overpayment calculator I find really useful
http://www.thismuchiknow.co.uk/?cat=14

Not sure why it hasn't linked, might just need to copy and paste.

Ive just downloaded and I love it..... With a few alterations and a huge amount of dedication, my 10 year target is achievable! :j:j:j. I know I HAVE to try, because 10 years down the line I will completely hate myself at what *could* have been!

Ive updated my budget spreadsheet until the end of 2015, and I'm feeling very organised.

I am thinking about starting a blog (which is kind of what this is I guess) but covering everyday life as well as money saving. Even if its just for me to look back on, writing helps me draw out the positives, and it will be a cheap/free hobbie :rotfl:

I cant think of any more excuses to avoid glossing my bathroom door, now the little ones have setttled to sleep, thou i can think of hundreds of things id rather do!

gallygirl

You've got a great attitude and paying off mortgages is much more fun than paying off debt :j.

Hope DH recovers quickly.

In other matters - what names have you picked for your chickens - these things are important you know .

Secret_Saving_Squirrel

Hello and good luck with your planning. I wish I had had your forethought at your age. Very well done on clearing the debts. I am a money moustache fan too, early retirement extreme is quite interesting, but as the title says, it is extreme and parts of it seem quite crazy. But we all have different ideas about what we can and cannot economise on.

As I am sure you know, little children just want your time and don't care whether their clothes and toys are new or secondhand. And they hate shopping so you have lots of support in avoiding temptation!

All the best,

Squirrel x

CathT

trulymadlyhannah wrote: »

Ive just downloaded and I love it..... With a few alterations and a huge amount of dedication, my 10 year target is achievable! :j:j:j. I know I HAVE to try, because 10 years down the line I will completely hate myself at what *could* have been!

Ive updated my budget spreadsheet until the end of 2015, and I'm feeling very organised.

I am thinking about starting a blog (which is kind of what this is I guess) but covering everyday life as well as money saving. Even if its just for me to look back on, writing helps me draw out the positives, and it will be a cheap/free hobbie :rotfl:

I cant think of any more excuses to avoid glossing my bathroom door, now the little ones have setttled to sleep, thou i can think of hundreds of things id rather do!

Good isn't it! Really motivating. Good luck with your 10 year plan!

trulymadlyhannah

Secret_Saving_Squirrel wrote: »

I am a money moustache fan too, early retirement extreme is quite interesting, but as the title says, it is extreme and parts of it seem quite crazy. But we all have different ideas about what we can and cannot economise on.

As I am sure you know, little children just want your time and don't care whether their clothes and toys are new or secondhand. And they hate shopping so you have lots of support in avoiding temptation!

All the best

Thank you I agree some of his ideas are extreme! But reading about someone who has gone to those extremes, makes me feel extravagant, when i thought i was quite thrifty already, it just goes to show we can all cut back somewhere!

I completely and totally agree re: time, I just wish I had a few more hours of it (or a little more energy)

gallygirl wrote: »

In other matters - what names have you picked for your chickens - these things are important you know .

Haha, important decisions first! Well the children both want a chicken named after them, and my sister-in-law wants one called Betty. I quite like Henny Penny Unfortunatly we have had to slow work on the allotment with DH's back, but fingers crossed (if we get the free wood offered) we should be able to build a coop early next year

CathT wrote: »

Good isn't it! Really motivating. Good luck with your 10 year plan!

It is really motivating, this whole forum has me motivated too, I just need a few more hours to read the boards&diarys! Thanks again

I have made an overpayment of £250 yesterday, which is showing this morning on the online mortgage statement this morning :T
The cashback from our broadband order tracked too, so should be paid by October.

Money things to do this month:
-Sell our unused freezer
-Start listing stuff on ebay (aim for minimum of 5 things per week)
-Sell my old broken phone.

I am unsure what to do about DS's bedroom. We bought new skirting board (6 years ago) and DH tried to fit it himself, but didn't have the right tools so made a bit of a mess of it, and when I was decorating all but one piece also fell off the wall!!
My uncle has offered to help him glue the old stuff on or buy new MDF skirting board and show him how to cut and fit it properly (apparently MDF is more flexible and fits better)

The cost to fit the old stuff would be about £13 (for the special glue my uncle recommends), or to replace the entire room with the new MDF board is £55, and my uncle will teach DH and bring all the correct tools.

The budget girl inside me says just stick the old stuff back on and have done with it! But my uncle is a perfectionist, and myself and DH havent really any experience at decorating/DIY, AND as we are tight *cough* with the knowledge gained we will be able to do our other rooms when they need doing......

optimistic-mummy

hi i have subscribed wanted to wish you luck on your mfw journey

i also have a 10 year plan but its the oposite mine is saving for a deposit ...

good luck again

trulymadlyhannah

optimistic-mummy wrote: »

hi i have subscribed wanted to wish you luck on your mfw journey

i also have a 10 year plan but its the oposite mine is saving for a deposit ...

good luck again

Thank you Ive had a quick read of your diary, good luck with your journey too, you sound really dedicated!

Ive made some good progress today. I took 4 bin bags!?! of really old (mostly stained) children's clothes/shoes to the local weigh centre and they gave me £9, which I have overpaid

Then I took my eldest girl to our local shopping outlet to buy some cl*rks shoes for school, and a pair of plimsolls for her and her brother. The plimsols were £6.99 each, and I know they are cheaper elsewhere but the last pair I bought from a supermarket didn't last a term:eek:, compared to the last cl*rks pair which I bought, which both J and L wore, and they are still going strong!

I called in at Ald* on the way home for sandwich stuff, as i forgot to put the breadmaker on this morning, and remembered to pick up 2 Mirrors for the £5 of a £40 shop. My next job is to make a meal plan & shopping list for the month. (We buy all nappies/meat/cleaning products, and anything that will last a few weeks or freeze)

I also purchased a domain for my blog, found free hosting:T and started to build my blog (slowly). I'm not doing it to make money (thou I probably should try at some point:money:)

I do want to hide my identity thou (here and on my blog). I like the anonymity of this forum, I know I am doing something to be proud of in a debt-ridden culture, but I really and truly hate the thought of being judged (for instance people thinking my children are missing out.. I know they arn't, and that there is more to life than money!)

Does anyone else feel the same, or do you shout your targets from the rooftops?