Getting a Grip and Saving towards the mortgage

try_harder

I am so pleased that you have your much wanted garden furniture ,you work so very ,very hard and you will get so much enjoyment out of it im sure .I love to sit outside in the evenings and eat my dinner i especially like it when my grandchildren come as if they drop food it doesnt make a mess in the house although i have to admit my dog is quite good at clearing up any mess they make anyway .

EatingTheElephant

I agree, definitely not! Enjoy the furniture BusyMee.

Kittenkirst

Oooooh an outdoor sofa sounds just marvelous!

Busy_Mee1

Phew thanks guys for letting me still be in the MFW gang. I am really glad I bought the furniture and have made good use of it in this glorious weather - in fact I am going to further invest another module of it, to make it even bigger :rotfl: Just waiting for it to come back in stock.

In financial news I have received a mysterious credit into my account for £224.38 from a credit card I cleared a couple of years ago. I am not sure what this, I have had no letter and can't check on line any more. Hmmmm :huh:I have not put it into my savings, in case they want it back but I have moved it into my emergency/fluid account for now. If I don't hear anything I will assume I overpaid the balance and put it towards the garden furniture :j

I (or rather me disguised as Mr Mee) am still in correspondence with NW over the switching bonus. Luckily I have now found letters from the DD recipients confirming the DDs were set up before the switch, so I am hoping that will do it . Thankfully I don't need the £200 to meet the £50k challenge this month :T

In other news I was contacted by a recruitment agency about a job this week. It looks right up my street, but I probably wouldn't have considered it,had they not contacted me because it is quite a jump ( in salary). I meet all the criteria though and it the type of work I love, so I think I am going to apply on a nothing ventured, nothing gained basis.

I hope the weather is going to hold this weekend. I am doing a charity team event with the gym today and then out for a few drinks and food afterwards. I have told them I am only on the substitute bench though, because I am an old lady :rotfl: Pretty sure I will get roped in though.

DS has four of his uni friends arriving tomorrow and I have promised a BBQ tomorrow afternoon before they go out into town and breakfast on Monday morning for anyone who can face it :rotfl:

I am popping to LIdl early this morning, as they have sausages on special offer this weekend at 99p. Perfect for the BBQ. Then gym session and then charity event....lets hope I survive.

Have a fab weekend everyone :j

try_harder

Sounds like a lovely weekend ahead and even better now that you have your lovely garden furniture to sit on and enjoy all this glorious sunshine ,it has been very ,very hot here today and it makes all the difference to the spirits .
Have you met your £50,000 target Busy Mee1 ,did i miss it ?I know you have bought your garden furniture but just noticed that you mentioned that you dont need the £200 switch this month to meet your target ,I hope i havent missed it you must be so ,so close .
Have a lovely weekend with your family .

EatingTheElephant

Wow, surprise money turning up and a great job opportunity/possibility, you are on a roll! Fantastic :T

Busy_Mee1

I thought I might as well do my May update slightly early as nothing else will change financially over the next couple of days. Also I am quite excited to announce that not only have I met the £50k challenge :T but my savings now offset the mortgage to under £200k :T

So the numbers look like this:

May
Into savings £2,610.72
Total savings £50,129.06. :j
Mortgage. £247,605.47
Savings offset mortgage to £197,476.41. :j
Savings:Mortgage. 20.25%. :mad:

I am really pleased to have hit the £50k target early, Hardcore May really paid off but I am not sure I could sustain this every month and it was helped by some annual interest on my ISA and some other unexpected income.

My next target is £60k into savings by end of December, another £10k in 7 months, so £1429 to be saved each month.

In non financial news we have had such a lovely weekend, the weather has been glorious and we have spent it with some lovely people.

The gym team event was really good fun, lots of laughs and as predicted I did get roped in but it wasn't too arduous. We went for food and drinks afterwards to a new bar, but someone had got a load of vouchers for free drinks and 25% off food so it didn't cost the earth. I love my gym, which is a small independently owned gym catering for all ages, and sizes. Everyone is very friendly and welcoming .....so much better than the big corporate gyms. I would definitely recommend checking out the smaller independent gyms, they tend to be cheaper too without tying you in to contracts.

Last night we had the uni friends of DS staying here and we BBQ'd yesterday afternoon. We really enjoyed their company, lots of good humour and such decent young people, with a caring attitude. If they are representative of the next generation, society will be OK.

In other news I am sooo fat ! I need to diet and lose at least 7lbs before July. I think I will start posting weight loss information on here, because sharing on here always focuses my mind. June now be known as Diet June :rotfl:

try_harder

What an amazing month you have had ,i am so ,so pleased for you Amazing ..Today is a good day and what a massive amount you have saved this month too,really well done i know what a lot of hard work has gone into reaching your target .
Funny we were just saying the same thing last night after reading about the young man who died trying to help two young girls in America and seeing his picture posted by his mother at his graduation i could not stop crying it reminded me so much of my own children and their friends ,there are so many wonderful young people i am so grateful to have five myself and their partners ,they are the greatest gift of all ,we should all feel very proud .

themadvix

Congratulations BusyMee! What an achievement, well done!

Glad you had a lovely weekend too

Busy_Mee1

Diet June has begun and not before time. I finally got on the scales of doom this morning and the news wasn't good :eek:

I have had a better week though - I haven't eaten any rubbish and have been to the gym 3 times. I need to keep this up and lose half a stone at least by early July, as we are going to a wedding abroad.

Pay day has been and gone and the web of standing orders into all the accounts is currently in motion. Once this stops I can shuffle any excess funds into my savings.

The current accounts are currently earning around £76 per month in rewards and interest as follows:
Rewards
Halifax x 2 = £6.00
Santander= 7.33
Barclays= £12.00

Interest
Tesco x 4 =£30.00
Nationwide x 2 = £20.83

We also have regular savers to pay out interest in 2017/18 tax year
Nationwide x 2 = £325.00

And 1 to pay out in interest £2018/19 tax year
M&S = £80.64

I need to now switch another couple of accounts to FD to start 2 more regular savers that will pay out interest in 2018/19. We currently have £1250 being paid into the regular savers, NW and M&S and an additional £100 per month being paid into a S&S ISA.

In other financial news TCB has just paid out £46.73 and I am still in correspondence with NW about the switching bonus. I have had to send them the letters of proof that the DDs were set up before the switch by snail mail. They wouldn't accept scanned copies by email :mad: So much for the digital age :rotfl: Fingers crossed this will sort the issue out and they will pay the £200 switching bonuses. The moral of this story is do make sure your DDs have actually paid out on your donor account before switching !

I am up early this morning because I have loads to do - we have some more friends staying tonight ( the 3rd weekend on the trot !). I want to nip to LIdl to get honey, muesli and yogurt ( all super weekend offers ) and the butchers, and then I am going to the gym. My car then needs to go in for its service and then I will start cooking and cleaning .... I love having people to stay but I am looking forward to a weekend next weekend, when it it just us.

I did the main grocery shop last night in M@rrisons and spent £55.37. I went in the late evening specifically to see if there were any yellow stickered bargains and managed to pick up mince, salad and bread cheap. The loaves of bread were all 19p each (A couple were gluten free - not sure what they will be like !) I have to say though, I am not a fan of M@rrisons though, I much prefer Ald! and Lid!.

It looks like it is going to be a lovely day today, so have a great weekend