The journey to financial independence.

Cream_Tea

Also paid another £54 off the CC yesterday when I realised it was spare money we didn't need that week.

CT

Cream_Tea

And another £25 off the other CC.

CT

Cream_Tea

I have sat down and done lots of calculations, as we all know one of my favourite pass times. Here's our plan to achieve our goals:

1)Extension fund completed by end March - £740 a week for the next 5 weeks.
2) CC's paid by August - £85 a week until end of August.
3) 3 month emergency fund - £148 a week until end August

The extension goal could be a push although, DH's nights look like they will continue through March. If that's the case we will comfortably achieve it.

The CC's and emergency fund will definitely be comfortable because once the extension is saved for, we will throw all the money at these two areas.

I also worked out DH bike payments (which I always forget in any calculation because it comes from DH account not joint account) will be done by July, which is another £170 a month we will be better off!

I know life is tight now with the big push but by the summer we will be in a very, very different financial position. No CC, no bike repayments, extension complete, and we will have a 3 month emergency fund! We won't recognise the way it is now!

Now just off to survive the next 5 weeks! I think I need to revive January's religious meal planning and the freezer inventory.

CT

Luckyinlife

Number crunching is my favourite pass time to currently haha Looks like you got it all planed out great diary :]

Cream_Tea

Thank you Luckyinlife. The plan never seems to go to plan! I enjoy the planning all the same.

CT

ourcornercottage

Cream_Tea wrote: »

I have sat down and done lots of calculations, as we all know one of my favourite pass times. Here's our plan to achieve our goals:

1)Extension fund completed by end March - £740 a week for the next 5 weeks.
2) CC's paid by August - £85 a week until end of August.
3) 3 month emergency fund - £148 a week until end August

The extension goal could be a push although, DH's nights look like they will continue through March. If that's the case we will comfortably achieve it.

The CC's and emergency fund will definitely be comfortable because once the extension is saved for, we will throw all the money at these two areas.

I also worked out DH bike payments (which I always forget in any calculation because it comes from DH account not joint account) will be done by July, which is another £170 a month we will be better off!

I know life is tight now with the big push but by the summer we will be in a very, very different financial position. No CC, no bike repayments, extension complete, and we will have a 3 month emergency fund! We won't recognise the way it is now!

Now just off to survive the next 5 weeks! I think I need to revive January's religious meal planning and the freezer inventory.

CT

You can join the skint March gang if you like :-)

Cream_Tea

Thank you, at least I will be in good company!

CT

CathT

Cream_Tea wrote: »

House plans are as follows:
1) save for extension of bathroom and start when nearly there towards total - Hopefully start in March.
2) plaster 3rd bedroom then paint, make curtains, re upholster chair which is in there -hopefully completed by beginning of March.
3) plaster our bedroom then paint, make curtains, buy new bed - Hopefully completed by June.
4) plaster stairs and hallway then paint - to be started once bathroom and all of upstairs bedrooms are completed hopefully end of the summed.
5) carpet upstairs (3 x bedrooms and stairs)
6) remove massive fire place surround replace with smaller nicer one plaster living room/ dining room then paint.
7) replace wood tongue and groove flooring as sadly damaged when re wiring done.
8) all finished either move house or start from room one again :rotfl:



CT

Cream_Tea wrote: »

Sold a few more bits on eBay so £20 off the CC. Had a little lull this week. I think the excitement of the last few month money saving has caught up with me and now I've run out of things to change! I need to inject some more excitement and enthusiasm. Any ideas?

In none MSE news DH has asked me to take 5 days off over my 30th bday June 2016. He won't say why but I'm really excited now. I'm not sure I can last 16 months.

CT

That's a good 'to do' list CT, number 8 is soooo me! :rotfl:

There is an 'all the small things' thread on here for this purpose where we seem to have exhausted all the initial money making and running out of ideas. It is worth pooping in there.

Exciting birthday plans. DH 30th we went to New York, mine? We had a takeaway!!!

ourcornercottage

CathT wrote: »

That's a good 'to do' list CT, number 8 is soooo me! :rotfl:

There is an 'all the small things' thread on here for this purpose where we seem to have exhausted all the initial money making and running out of ideas. It is worth pooping in there.

!

Pooping! hahaha. Where is that thread as Id like a look at it. I hate ebaying so need other ideas on money saving/making

Luckyinlife

Cream_Tea wrote: »

Thank you Luckyinlife. The plan never seems to go to plan! I enjoy the planning all the same.

CT

This is very true but we have to try to make a plan :] have a great weekend