The Fun Starts Here.....

Kittenkirst

Three hours on the soa bless you! I would have given up after 1 hour so you are very determined, with the SOA it's only one way of showing your incoming & outgoings so if something else works for you then great

The grocery budget is an area I like to play with as I find it a fun challenge to work on.

Your emergency budget is a very healthy figure: so you save the interest or will you use that towards overpayments?

Enjoy your holiday!

MissCreative

Hi AMOT!

It sounds like you have a realistic but sensible goal and I'm sure you'll reach it!
What does Mr AMOT think of the goal?

I'm sure you can pick up some great tips for reducing your grocery bill on the forum.
I spend around £30-£40 a week for two adults, mainly shopping at Asda and Lidl, sometimes Sainsbury's.
I find Pinterest is amazing for recipes, especially ones for bulk slow cooking. I'd love a bigger freezer so I can make all of them though! (Currently have just two shelves!)

allmannerofthings

Kittenkirst wrote: »

Three hours on the soa bless you! I would have given up after 1 hour so you are very determined, with the SOA it's only one way of showing your incoming & outgoings so if something else works for you then great

The grocery budget is an area I like to play with as I find it a fun challenge to work on.

Your emergency budget is a very healthy figure: so you save the interest or will you use that towards overpayments?

Enjoy your holiday!

Thanks Kittenkirst.

I hadn't thought whether we'll save the interest or apply it to the mortgage.... I'm still utterly confused with the juggling current accounts thing to get the best interest :eek: I'm not worrying about it for now and will get stuck in properly on our return from holiday!

MissCreative wrote: »

Hi AMOT!

It sounds like you have a realistic but sensible goal and I'm sure you'll reach it!
What does Mr AMOT think of the goal?

He always says that since he's been with me (9 years) he feels like he has more money than he's ever had, which I take to mean I am better at keeping track of it than he was! He's happy to go along with my plans really. Neither of us have any debt, as we both went down that road as much younger people and don't touch it these days, except of course the mortgage we've just taken out, previously we were renting. I've been thinking we should probably have credit cards though, because of emergencies and also the added protection you get with them - due to pay £2,700 balance on a new sofa soon so it's making me think about that.

Mr AMOT does think it unlikely I can get the grocery bill down very much, though, so I look forward to proving him wrong!

I had a small financial win this morning. We decided to join English Heritage, as we are going on holiday on Friday to Yorkshire and there are lots of places we'd like to visit. I rang them today and as Mr AMOT is disabled (profoundly deaf), only he needs to join, as he is entitled to have a companion/assistant with him for free. The woman on the phone kindly also found a discount code and applied it, meaning it cost £43.20 instead of £54. I will transfer the difference to my overpayment account - I'm saving 1% at a time to overpay (in addition to regular overpayments).

allmannerofthings

Our mortgage completed on 27th March and I've just recently remembered that we were supposed to get £750 cashback from Nationwide. I was all set to phone them about it's whereabouts, when it turned up in Mr AMOT's account this morning :j That's going straight into my 1% overpayment account. I should have 1% all set to overpay very soon

Off on holiday tomorrow morning, so the next nine days will be a bit spendy I'm sure. We are planning to eat in our cottage some of the time though, mostly because we both end up plagued with heartburn if we have endless rich food in restaurants. Money saved will be a bonus

tattycath

Well done on your 1% target.
Hope you have a fab holiday.

allmannerofthings

I decided to write down everything we spend while we're on holiday this week, just out of curiosity. We arrived yesterday and we've spent £126 already :eek: £50 of that was a meal out this evening for Mr AMOT's birthday. It's our wedding anniversary tomorrow and we considered going out again but I really don't want to spend that amount of money :eek:
Maybe I'll cook, I did bring some bits from the fridge and cupboard at home. I've got the makings of a cauliflower and pea curry. When we've been out all day though, I come home feeling like a nap, not cooking ☹️ That £50 not spent on an anniversary meal could be overpaid on the mortgage though!! (trying to convince myself to cook )

allmannerofthings

We brought our anniversary cards with us and opened them this morning. My parents' one contained £50 and the instruction to go out for a meal ❤️

Kittenkirst

How lovely of the parents- are you heading out somewhere nice?

Ps my iPhone always autocorrects to odd things too

michelle09

Happy Anniversary! And good luck with the mortgage.

tattycath

Happy anniversary to you both.