Setmefree's Diary: MFi5 journey

setmefree2

Hi:hello:

We overpaid the mortgage by £1,000k this month, so mortgage is now £145,475. Also paid £500 in to a Halifax 10% regular saver. So not bad:j:D


SPENDING
Everything came in on budget. We had a fantastic holiday, spent lots, but it was actually a great deal. We even got upgraded to club on the return leg of our journey which was fantastic as it was an over night flight:T (thanks BA:D). I was abit naughty and bought some new clothes and a beach bag for my hols - cost £74. BUT that is the first money I have spent on any clothes this year (which is not bad for a girl). Also I had to buy the kids a few bits and pieces of holiday clothing but managed to pick these up in the sales at JJB for next to nothing.

Other than that, Mr SMF2 had to pay to insure his new bike.

Electricity Usage
I started an Energy Use diary on the Green board and it featured in Martin's new letter much to my surprise:D Things are going well in this regard and we have halved our use this month, from 15kwh to 8kwh.

http://forums.moneysavingexpert.com/showthread.html?t=980757

So that's about it really. Looking forward into August - the kids are at home so that's expensive:eek: but no school dinners to pay for so that's a plus;)...

Good Luck everyone

SMF2

Little_Mama

Hi SMF2,

Welcome back! Glad to hear hols were good. And well done on that overpayment.

It was reading your energy diary that got me going/thinking, I'm now tracking our daily usage. I should spend less time on here to cut down on the leccy but it is essential liaison, so doesn't count!

All the best
LM

setmefree2

Little_Mama wrote: »

I should spend less time on here to cut down on the leccy but it is essential liaison, so doesn't count!

LOL:rotfl:I know - but MSE has saved me much than it's cost me:D

evab_2

Welcome back, glad you had a good holiday and great overpayment.

Ev x

StuartGMC

SMF2
Good to hear that everything went well with the holiday, and excellent overpayment.

Are you really able to manage on £74 per 6 months on clothes permanently??? Actually we cut back last two years (apart from DD as she keeps growing :rotfl:) so this year there's been need for some replacements, and a few suits year end will dent things (even in the sales).

Must pop by your energy diary.

TTFN

setmefree2

Hi

I've just found the key to our outdoor gas meter and so have been able to read it and the good news is that we have reduced our consumption from an average of 9.5 Kwh to 6 Kwh per day - a reduction of over a THIRD:j:j:j:j

We did this by just putting the water on once a day instead of twice - not bad:D

Now how can I make this even smaller:rolleyes2

SMF2

setmefree2

StuartGMC wrote: »

Are you really able to manage on £74 per 6 months on clothes permanently??? Actually we cut back last two years (apart from DD as she keeps growing :rotfl:) so this year there's been need for some replacements, and a few suits year end will dent things (even in the sales).

Hi Stuart,

Like most woman I think I have enough clothes to never have to buy any again:rotfl:- just have to stay trim:rolleyes:....and keep away from the shops:cool:

Kids are another thing altogether though - they will keep growing, and as they get older they want all the cool stuff and don't even mention school uniform:eek::D....

SMF2

setmefree2

Hi:hello:

After reading Staurt's thread I thought I'd get in on the grocery theme. In the last 12 months I have spent £3,917 on food, or £326 per month or £10.73 per day. This is for 4 of us (my 2 kids eat more than adults:rotfl:). It is just food - no school diners, alcohol, cleaning products or make up etc. Staright food.

So my challenge (what another:eek:) is to beat this each month....

All The Best

SMF2

poppyoscar_3

Well done SMF2...you're soooo focused.

I'm going to try reading my metres and seeing what I can do with electricity. EDF are about to send me some free energy saving lightbulbs, and I have them in a lot of my light fittings already.

Your OP's are awesome - I only earn about that much!
LOL!!

PO xx

setmefree2

poppyoscar wrote: »

Well done SMF2...you're soooo focused.

I'm going to try reading my metres and seeing what I can do with electricity. EDF are about to send me some free energy saving lightbulbs, and I have them in a lot of my light fittings already.

Your OP's are awesome - I only earn about that much!
LOL!!

PO xx

There is nothing like owing £250,000 to focus the mind:rotfl:. I wish I had your mortgage!:D :rotfl:

The energy reductions are going well - though the kids are on holidays at the mo so keeping the electricity down is a challenge, they seem to have to be permanently wired into something...:o

All the Best

SMF2

PS We are going to have another whopping OP either in August or September (hopefully) - keeping all my fingers crossed.