5 years and counting to freedom!

selloptape

You can keep it up FF3

I'm a lapser as well, back for 2017

Frugalfamily3

Thanks for your encouragement Lavinia21 and Selloptape. I'm going to do my best to keep this determination going.xx

NSD today. Took packed lunch to work today, and have two £2 coins to put in the OP pot .

Frugalfamily3

Just peeped out of the window this morning and it's not frozen out there thank goodness. I had a very frosty drive to work yesterday. But today I'm on leave, and meeting friends in town for drinks and lunch. Not very mfw but it's the only social event outside the house I'm going to over the festive season so not too bad I think.

This morning I'm meal planning for at least the next 2 weeks. We have so much food it's obscene lol. Thank goodness for my three freezers and two fridges! I'll also do a Tilly tidy of the mortgage account. Happy days.

Frugalfamily3

Am a happy, but confused bunny today. I made a £43.99 overpayment yesterday to round the mortgage balance to the nearest tenner, but today, there's been interest added, but the balance hasn't reflected the money gone in. It was 61,843.99 and now it's 61,850!! How can the total go up when the banks closed, but the OP not be reflected? Confused!!!

Ah well. Happy New Year to one and all xx

Frugalfamily3

Oh dear, a nsd today was the intention and so I took lunch to work. However a colleague going to the canteen tempted me and as if by magic, a portion of potato wedges landed on my desk! A pound came out of my purse and a few more pounds were added to my waistline ....

#wishihadwillpower#

niftythrifty33

I have subscribed to your thread

Frugalfamily3

Hi Niftythrifty (great name by the way). and thanks for being interested in my ramblings.

Well, I've not done anything penny pinching since my last post, BUT today's the day all that changes!!! Positivity and all that.... so I've made a list to be completed in the week ahead. So here goes.

* Call CC company to get my online access back - I got locked out due to my own stupidity putting in the wrong password a month ago, and I need to know my balance after Christmas.
* look for a better energy deal as current contract for gas and electricity is ending.
* Aim for 5 no spend days out of the next 7.
* Take coins to bank and overpay mortgage with it.
* update meal plan for the next week.

Right, I better get going with that! Busy busy....

Frugalfamily3

Ooohh I blasted my list!!! Positivity rocks!!!!!

* Call CC company to get my online access back - DONE
* look for a better energy deal as current contract for gas and electricity is ending. DONE AND WILL FINALIZE TRANSFER TOMORROW
* update meal plan for the next week. DONE FOR TWO WEEKS

Frugalfamily3

Back to my old tricks again, not updating my diary for weeks! To be honest there's no news really. Still plugging away at saving money, failing more than I'd like but hey ho. We managed to knock £40 off the gas/ electric monthly bill starting March. And saved a decent chunk when we renewed the house insurance. Well pleased!

We had to buy 2 double beds for the spare bedrooms a couple of weeks ago, do that's flattened any idea of overpaying the mortgage this month! Still, we knew that expense was coming. We don't pay council tax thus or next month so that's almost £400, plus a rebate from the old energy supplier. Of about £200 I think we're due. So that's offset a good chunk of the bed money.

Apart from that, I'm batch cooking meals for the week and freezing them today, updated menu plan too. Hopefully I'll be able to overpay again before too long!

Kittenkirst

Despite you saying that you're failing it sounds like you're doing pretty well to me!£40 a month saved on your gas/electric is great

Even if you plan to have 4/7 no spend days but in fact only do 3/7 I wouldn't view that as failure as it's 3 more than if you weren't trying at all