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Ready to do it all over again ...

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  • benbenandme
    benbenandme Posts: 12,373 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    And so we make it to another payday and the end of another month. Tonight I will move £350 from my wages into my brothers fund which sees me hit 2017's target for that, so I have 31 days now to focus on my holiday fund.

    Realistically this is going to be a very tough month so I'm super pleased that the savings target is out of the way. I do have enough *on paper* for this Xmas budget, but things have a habit of running out of control in December, so I will just need to keep a very close eye on things.

    I have spent £41 on food today and £10 on my school food/drink account, this weekend we are going to watch banger racing, I promised ds ages ago and his friend has agreed to come to. It's £20 each :eek:, ds and his friend are paying £10 each towards their tickets, so it will cost me £40 but it's very rare that ds goes anywhere with a friend so I don't mind treating him.

    One more day to get through at work then it's the weekend :D
    Mortgage Total: £50,720/ £75,000
    Mortgage Overpayments Pot £1587
  • benbenandme
    benbenandme Posts: 12,373 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Hello all, day one of December almost done, a busy one at work today. I have earned my Swagbucks bonus for November (330 sb's), I have enough to cash out a £5 voucher but will wait until next week as there is a new round of Swago starting on Monday and sometimes claiming a voucher appears on the board for that.
    Mortgage Total: £50,720/ £75,000
    Mortgage Overpayments Pot £1587
  • Thanks for the heads up about the swago I was going to redeem a voucher, but will wait until Monday.
  • benbenandme
    benbenandme Posts: 12,373 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    £3 Halifax reward in this morning, added to the holiday pot. I have done a load of surveys this morning and am considering getting out of bed some time soon :D

    Today will mainly be spent pottering indoors and getting everywhere clean and tidy ready to begin thinking about Christmas stuff. I might get the decs out later so I can begin thinking about what will be going where this year. Tonight we're going to watch banger racing, ds has a friend coming with us and is very excited :)
    Mortgage Total: £50,720/ £75,000
    Mortgage Overpayments Pot £1587
  • benbenandme
    benbenandme Posts: 12,373 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    December is the month where I get two lots of tax credits (paid every 4 weeks), so the second payment is going in the holiday fund. Currently I have £615 so with that £307 I will have £922, so I am aiming to get to £1000 in there by the end of the year, so that's £78 to find this month :D
    Mortgage Total: £50,720/ £75,000
    Mortgage Overpayments Pot £1587
  • benbenandme
    benbenandme Posts: 12,373 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    I've reached todays goal already on swagbucks so as pleased about that as it means I can get on with other stuff and not have to think about it again.

    The washing machine is on, the places is 90% tidy now, just cleaning to do :) I also want to get money moved between accounts ready for the month ahead.
    Mortgage Total: £50,720/ £75,000
    Mortgage Overpayments Pot £1587
  • benbenandme
    benbenandme Posts: 12,373 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    £10 John Lewis voucher claimed from a survey site and I've registered to have a smart meter fitted for my gas and electricity :)
    Mortgage Total: £50,720/ £75,000
    Mortgage Overpayments Pot £1587
  • beanielou
    beanielou Posts: 96,643 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You have been a busy bee :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • benbenandme
    benbenandme Posts: 12,373 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    I ended up dropping ds and his friend near the banger racing and will pick them up later, he prefers that rather than having Mum tagging along and it saves £20 for my entrance ticket and means I can watch Strictly in peace ;):D

    I did pop into Tesco on the way back and got a few bits and pieces, I spent £30 although £1 of this I can claim back and £4 will come from the gift fund, so actually £25 spent from the budget. I did get a coupe of pieces of fillet steak reduced from £9 down to £2.50 each, so that will make a nice dinner one night this week ;) I also picked up a joint of pork for £2.50. I should hopefully be able to just do a small top-up shop for this week rather than need to do a proper shop now.
    Mortgage Total: £50,720/ £75,000
    Mortgage Overpayments Pot £1587
  • benbenandme
    benbenandme Posts: 12,373 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Morning all, I'm having a lazy lie-in with the laptop today, ds is having his fortnightly lie-in so I don't want to disturb him by wandering about.

    Today is going to be an indoor kinda day, I have a few bits and pieces I need to get done:
    • One more load of washing
    • Ironing
    • Get Xmas stuff out of the list and see what I need to get this year
    • Make apple / plum crumble
    • Roast dinner
    • Some school work
    • Meter readings
    • Ds -homework
    • Ds - finish xmas cards
    • Order anything I need from Amazon before prime trial runs out next week
    • Relist items on ebay
    • Swagbucks daily target
    • Eyebrows etc

    I've found a new diary on the dfw board I'm enjoying so want to read some more of that, I haven't been over there for ages but its very inspiring when you read some of them and might give me some motivation / tips.
    Mortgage Total: £50,720/ £75,000
    Mortgage Overpayments Pot £1587
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