For Sunshine and a Sea View .... eventually!

Watty1

Just found the Frugalwoods blog. Thanks for the tip

Lexi-lu

Hello,

A little early with the update this week.

I opened the 2 new accounts today, this will allow me to pay £1,270 per month into an ISA paying 3% interest and £250 into a regular saver at 4%, that's a total of 5 regular savers plus the new ISA which is probably more than enough for now to save any money that we can't overpay on the mortgage due to the early repayment penalty.

DH will be working 2 overtime shifts again this weekend. He was about to order a new part to fix the vacuum cleaner that broke earlier in the week. After looking on the MSE site I saw a thread about requesting a repair under the guarantee, it turns out our vacuum is covered for 5 years. The repair was booked for next week but we had a call a little while ago as the repair man was in the area and had had a cancellation so all fixed FOC now and won't need to take the time off work next week to get it done

DH was supposed to be looking into the telephone line and broadband contract which is coming to the end of it's term. He called s*y on Thursday evening, was on hold for ages, transferred 3 times only to be told that he would need to call the following day to sort out a renewal. I went on TCB, found what we needed with B T. There is a £56.95 fee but then it is £10 per month less than we are currently paying, and if everything is as advertised, should be £94.50 TCB and £125 reward card, I'll not count my chickens yet though.

DD has a friend staying over tonight and my Dad is visiting tomorrow, I plan to bath the girls and read a book, not expecting it to be an expensive weekend.

LL

Lexi-lu

Hello,

£690 mortgage overpayment made

DH has been paid incorrectly again this month and last month's error hasn't been corrected yet. He is working 2 overtime shifts again this weekend.

I have listed 6 items on ebay this weekend and 2 have sold, must remember to post tomorrow.

May is turning out to be a very expensive month, road fund licence, passport and water rates to pay for.

DH went shopping by himself this week and managed to spend £81 even though he didn't buy very much. This is probably the main area we can still reduce spending, really must try harder.

DD needed some new clothes and I paid for these using a gift card that I received for my birthday earlier in the year.

LL

Lexi-lu

Hello,

DH worked 2 overtime shifts this weekend. I had two very enjoyable trips to NT property.

This week:

• Food shop done online, used £10 off voucher and spent £50
• DS clothes ordered for holiday, used £10 off voucher
• Started decluttering, sorted several boxes for charity shop and found a few more items to list on ebay

The challenge of keeping DD entertained during the school holidays without overspending begins, so far a sleepover with her cousins. Tomorrow possibly a trip to London, 2 friends staying over later in the week and maybe a shopping trip.

LL

Lexi-lu

May Summary – Month 5
Mortgage Overpayments total £690
Savings for Mortgage o/p £1,270
DH Overtime on May payslip 86 hours
Grocery spends £276.11
Electricity used 245 units
Gas used 45 units
Clothes/Accessories/Haircuts etc for me £0
Pension fund extra contribution £0
S&S Isa £0

The central heating has been turned off for a few weeks now.
A separate account has been opened for savings to overpay the mortgage in March 2018.

£10 off voucher used for DD clothes, £10 off voucher used for on-line grocery shop, 1 adult go free voucher used at Madame Tussauds saving £34, 2 ebay sales, TCB used when switching broadband & telephone line to cheaper supplier

Lexi-lu

Hello,

DH working one overtime shift this weekend.

We enjoyed a lovely trip to NT property together yesterday:)

£1,270 trf’d to savings for mortgage overpayment.

One item sold on ebay this week.

LL

Lexi-lu

Hello,

DH worked 1 overtime shift this weekend.

The ironing board collapsed and fell apart last Sunday morning, however, DH did manage to fix it so no expense there. Confession time though - I splashed out on a pair of curtains for the lounge, totally unnecessary but I had really gone off the old ones.

Took DD to the concert at Wembley yesterday, she had a great time. We had a picnic lunch beforehand, took some snacks in with us to nibble during the event and then stopped off at McD's on the way home to avoid the expensive food at the venue. The concert went on for 7 hours so the tickets turned out to be pretty good value.

LL

Lexi-lu

Hello,

DH worked 2 short overtime shifts this weekend. He also managed to open an ISA so that some of the savings can be moved over.

I enjoyed a very inexpensive evening out with two lovely friends.

Mortgage overpayment of £690 made

LL

Lexi-lu

Hello,

DH working 1 1/2 O/T shifts this weekend.

£125 reward card received for switching broadband activated. £5 money off voucher used on make-up for DD this week, £3 voucher used on biscuits for the girls.

Wishing I had changed the holiday £ to $ instead of leaving it to DH who didn't get around to it

LL

Lexi-lu

June Update - Month 6
Mortgage Overpayments total £690
Savings for mortgage o/p £1,270
DH Overtime on June Payslip 96.5 hours
Grocery spends £218
Electricity used 250 units
Gas used 28 units
Clothes/Accessories/Haircuts etc for me £0
Pension fund extra contribution £0
S&S Isa £0

1 ebay item sold in June, £8 vouchers used