Taking it slowly, but doing it well.

wishingthemortgaheaway

Mse April round up.

Everyday spends
Grocery: £148.77/£200 very pleased with this
Household goods: £48.49/£100 this is good, and I've stocked up for next month using the c0stc0 vouchers.
Spending money: £83.60/100 (don't feel so bad about the knickers now)
Eating out: £114.43/£100 oooops, that's what two lots of takeaway does....
Stuff I'll forget: £80.86/£100 this includes the £30 'bus gate' fine

Mortgage
Mop pot: £210
Start of month balance: £32,635.94
End of month balance: £32,196.83
Mfw 2018 challenge (April amount) £210/£210
Mfw 2018 challenge (2018 amount)
£1638.15/£840

13 step plan (pay off/offset mortgage of £34,000 in 29 months
Month 28
Step 1: £1803.17/£11,600
Step 2 Emergency fund: £2000/£2000 :j
Step 3: Wage storage (ynab month ahead buffer) £700/£2300
Step 4: white goods repair & replace £80/£1000
Step 5: New house Bills increase: £200/£2900
Step 6: 0
Step 7: 0
Step 8: 0
Step 9: 0
Step 10: 0
Step 11: 0
Step 12: commercial clean of old and new properties: £20/£375
Step 13: 0

1p a day challenge: £170.15/£667.95


Net worth Calculation
Mortgage-offset savings = -29,196.83
Number of months left in '29 month challenge': 27
On track?: Yes. (But not quite as far ahead as I was)

wishingthemortgaheaway

mse May Goals

1) Mop Pot
0/£210 (Will break down when mortgage interest is known)

2) 13 Step plan funding
0/£872*

3) nsds
0/16

4) 1p a day challenge
0/32

5) use the debit card
0/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target) this is going to take some doing considering hubby is 40, Pickle is 2 and my car is due is mot. Bring on the challenge, the only 'easy win' this month is my expenses due at the end of the month.

Busy_Mee1

Gosh Wish you don't need any planning advice from me.....you have brilliant plans.

I hope you feel better tomorrow x

wishingthemortgaheaway

Busy_Mee1 wrote: »

Gosh Wish you don't need any planning advice from me.....you have brilliant plans.

I hope you feel better tomorrow x

Thank you Busy, I do like a good plan.

wishingthemortgaheaway

Well to the 0th May, not a nsd.

Supermarket shop today was £15 of household goods (including nappies) not too bad. And £75 of groceries - ouch! But this does include most of the food for a weekend away for 12 people for hubby's big birthday. I will have to pull the horns I'm going forward, especially as it's a 5 week month.

Sling money arrived, item shipped, £31.78 in 'profit' split between the mop pot & step 4.

Non of today's spend will drop into YNAB until tomorrow though as I post dated them in order to close April's 'accounts' so tomorrow I get to have fun with the tilly tidies.

Work tomorrow - local visit so not much travelling. So I may be able to come home before Pickle
Needs picking up. We shall see.

Still awaiting any bonuses on accounts to be paid (I'm sure I set everything up at the end of March, but we'll see)

There is already £150 towards the 13 step target as that comes from money budgeted rather than extras. I need to add £23.30 a day (on average) to the pot to hit the target. Tomorrow's is sorted thanks to the Sling sale. Which means £23 a day for the rest of the month. Best get selling and surveying then.

I hope you all enjoy your end of the month/beginning of the month money shuffled over the next day or so.

Wish

mse May Goals

1) Mop Pot
£0.18/£210 (Will break down when mortgage interest is known) - carried forward from April.

2) 13 Step plan funding
£150/£872*

3) nsds
0/16

4) 1p a day challenge
0/32

5) use the debit card
0/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target)

pinkypig

Great totals for April Wish:T. Good luck with your May goals.

Hope you have a good day at work:)

wishingthemortgaheaway

Thank you Pinky, I have had a good day, I really felt useful and appreciated and they have asked for more of my time which is great.

A nsd today woohoo
3 days of the 1p challenge done.
First of the month direct debits gone out and Tilly tidies made
Mortgage interest applied - now at £2.19 a day.

With today's mortgage payment I can colour in another brick of the count down house. (20/100 now complete) also, my offset pot was the equivalent of 8 bricks on the house but, only £20 short of the next brick so I've wammed money from the everyday pots to make the pot up to £3200 and can now mark off another brick.
So mortgage paid plus offset pot =29% of the challenge complete. If I achieve my targets this month I should be able to tick off another brick. Woooooo hooooo
(I'm aware this is complicated if you are not me, but it makes sense to me)

With the mortgage interest being added I can now break my targets down.
Wish

mse May Goals

1) Mop Pot (Target total £241.72)
Interest added: £32.88/£65.63
£400 capital reduction: 0/129.26
Mfw 2018 target amount: 0/£15.11
Nice round number: 0/£31.72

2) 13 Step plan funding
£200/£872*

3) nsds
1/16

4) 1p a day challenge
3/32

5) use the debit card
0/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target)

wishingthemortgaheaway

Being/Morning/night all. I've been up trying to get ahead on some work things. I thought the days of evening work were over, but it seems not. At least I'll be appreciated for doing this.
A nsd woop woop. A few more direct debits gone out so some tilly tidies made. No 1p challenge done as the sheet for that is on the iPad and I'm currently not.

Messaged a cashback site who said my £30 cashback would be paid around the middle of April and it hasn't been. The agent released the funds immediately and then I requested a transfer.

Accepted a supply day for next week so that will be more money for the pot.

Now can I make it 3 nsds in a row?
Wish

mse May Goals

1) Mop Pot (Target total £241.72)
Interest added: £36.11/£65.63
£400 capital reduction: 0/129.26
Mfw 2018 target amount: 0/£15.11
Nice round number: 0/£31.72

2) 13 Step plan funding
£205/£872*

3) nsds
2:16

4) 1p a day challenge
3/32

5) use the debit card
0/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target)

shangaijimmy

Great progress, and I'm really enjoying your meticulous planning!

wishingthemortgaheaway

Thank you Jimmy, my planning is quite detailed, I'm sure no one apart from me understands it. I've got multiple goals going on at the same time in order to give me small steps of success and to give me things to do all of the time.

In my not very mse news, the iPad has been filed somewhere... which is an issue, I know it's in the house, but I think the Pickle has 'tidied' it. This means I can't do my 1p a day challenge at the moment as my record is on there. So... no direct debits, no spends and no 1p challenge means no tilly tidies, so very little news on the mse front - sorry all!

So, what else can I bore you with?
Pickle is very tired, he always is on a Thursday, this is the first week he's done the full 3 Childminder days for a few weeks due to illness. He has swallowed a dictionary this week and we are getting 3 and 4 Word sentences. Also (please excuse me for being proud) his manners are lovely, please, thank you, you're welcome and 'scuse me' all used correctly and without being prompted.

Work wise, crazy as ever. I have been booked for a day's supply next week which not only swells the coffers, but also gives me some time when I can't be contacted by people connected to my other job. I'm not sure how much I've told you all about my main job (the one I started in November) And if I said too much I would be identifiable as it is a unique role but, I'm trying to bring 23 groups of people together who have worked independently for years and have now been told they are all part of 1 chain. It's not easy, and I'm having to start some things from the ground up and change practices and cultures. It's not easy, I love the challenge, but I just wish other people would do their jobs properly. Because that just causes more work for me.
Right, rant over! My friend is coming round for a gin evening, see you all on the other side.
Wish

mse May Goals

1) Mop Pot (Target total £241.72)
Interest added: £36.11/£65.63
£400 capital reduction: 0/129.26
Mfw 2018 target amount: 0/£15.11
Nice round number: 0/£31.72

2) 13 Step plan funding
£205/£872*

3) nsds
3/16

4) 1p a day challenge
3/32

5) use the debit card
0/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target)