£67,031.92 is a frightening number indeed....

wishingthemortgaheaway

Rather than a 'not very accurate 1 tank of fuel a month paid by the business' you could pay your personal account the 45p per mile tax relief rate from business to personal or...

I have an app, called 'journey cost calculator' (by galaxy graphics.co.uk) - although I'm sure there are other.
You enter cost per litre, miles per gallon & distance of trip & it calculates fuel cost.
It gives you both the basic fuel price and you can add a 'standing charge' per mile to cover wear and tear. I use this to work out how much I owe the fuel pot from my work miles then I should put the standing charge amount into the car maintainance pot and the rest into a car replacement pot.
I don't, it usually all ends up in my mortgage overpayment or offset pots.

enthusiasticsaver

Great round up for April TOPM. I love the fact your DCs guilt DH into sticking to entertainment budget. What a change from a year ago though. £180 per month is still pretty good compared to then.

Verbatim

Wow! Fantastic progress with the savings pots and budgets. Perhaps May should be to focus on your "wellbeing"?
I love that your children keep your oh to budget rather than spend on treats (presumably) for them!

PositiveBalance

enthusiasticsaver wrote: »

Great round up for April TOPM. I love the fact your DCs guilt DH into sticking to entertainment budget. What a change from a year ago though. £180 per month is still pretty good compared to then.

Me too!

Did I understand correctly that you have sorted out your driving licence?!

If so PLEASE SORT OUT ELSA'S PLAIT!

For some unfathomable reason this is really making me wince on your to do list (let's not even talk about mine! :rotfl:) Perhaps it's cos I feel that it is unethical treatment of Elsa (and you are painfully ethical )

So pretty please put this at the top of this month's to do list and make PB happy in the process! :T

Treadingonplaymobil

PositiveBalance wrote: »

Me too!

Did I understand correctly that you have sorted out your driving licence?!

If so PLEASE SORT OUT ELSA'S PLAIT!

For some unfathomable reason this is really making me wince on your to do list (let's not even talk about mine! :rotfl:) Perhaps it's cos I feel that it is unethical treatment of Elsa (and you are painfully ethical )

So pretty please put this at the top of this month's to do list and make PB happy in the process! :T

I have excellent news for you :T . Elsa's plait is intact once more! And I changed my license address, so I am basically Winning At Life today.

Treadingonplaymobil

wishingthemortgaheaway wrote: »

Rather than a 'not very accurate 1 tank of fuel a month paid by the business' you could pay your personal account the 45p per mile tax relief rate from business to personal or...

I have an app, called 'journey cost calculator' (by galaxy graphics.co.uk) - although I'm sure there are other.
You enter cost per litre, miles per gallon & distance of trip & it calculates fuel cost.
It gives you both the basic fuel price and you can add a 'standing charge' per mile to cover wear and tear. I use this to work out how much I owe the fuel pot from my work miles then I should put the standing charge amount into the car maintainance pot and the rest into a car replacement pot.
I don't, it usually all ends up in my mortgage overpayment or offset pots.

Oh this sounds like a very sensible enterprise - it would be an easy way of squirrelling some money away in the car maintenance/replacement pot too.

Treadingonplaymobil

XSpender wrote: »

I am sure National Trust now offer a monthly direct debit rather than an annual payment so a family membership would work out at £10/month for the next 12 months leaving your pot intact.

Unfortunately I think the DD comes out tomorrow, so a bit late for that. Silly me, I didn't realise they did a monthly option now.

Treadingonplaymobil

Have realised I haven't actually mentioned the debt levels etc. I'll post on that side of things tomorrow.

Have had a nicely productive day today, got lots of bits and bobs done so I can spend some time tomorrow focusing on work which will help grow my business longer term (social media, blog post writing etc) rather than playing constant catch up.

I just want to take a moment to say again how utterly gobsmacking I find it that we, the worst people with money in the entire world, are able to save money :eek:. We currently have over £1,200 in the extension pot, £100 in the emergency fund, £200 in the holiday pot (soon to be mostly spent on a trailer, but the money is actually there to spend!), £300 in the Christmas pot and various other bits and bobs. I just find this totally bemusing and very pleasing. I honestly never thought we would be those people who actually have money in the bank. I know there's a really really long way to go before we are anything like financially sound, but I feel like my eyes are being opened to the mental peace that comes along with increased financial security.

I still want a £50 toilet brush though.

Three things to do today:
1. Plan week's work.
2. Invoice for last month's work.
3. Driving license update.

Mini goals:
- £72.19/30 April rounding down pot.
- £2,064.53/£5,000 2018 debt repayment goal.

System

You should be very proud of yourself!
£50 to spend on something that will get sh*t on it though?! :rotfl: Behave

wishingthemortgaheaway

Step away from the bog brush!