Taking it slowly, but doing it well.
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I'm soooo tired. I need to sleep, but I'm a bit wired too, time of the month and all that, hubby can do no right today... oops.
Spends today, well, can't keep the Nsds up forever. Fuel in the car £35 groceries and some household bits: £18 ish. Tilly tidies dome and some more days of the 1p a day challenge done. It feels a lot further through June than it actually is, this means it's going to feel like a VERY long month again, a bit like never ending May.
Grocery budget looking ok £120 to last the rest of the month ( yes that's becuase I did a massive shop a week and a half ago, but still) let's hope there is some surplus in the other pots when we hit July.
Just checked the diary and it looks like hubby is working the next three weekends, or at least part of them.
I'm waffling now, so going to sign off. Night all.
Wish.
MSE June Targets
1) Mop pot: (£264.39)
1) Interest added £64.88£64.88 :j
2) Nice round number 70.95/£81.15
3) £400 capital reduction 0/68.11
4) MFW2018 target 0/£50.25
2) 13 step plan
£400/£913
3) Nsds
6/16
4) debit card transactions
5/20 time to confess - I've lost my debit card so had to report it lost today. Awaiting a new one now
5) 1p a day challenge
18/30Outstanding mortgage: £23,181 (December 19)
MFW 2020 Challenge Member #10 0/£23180 -
Another nsd, some Tilly tidying done from direct debit/cpa pots, but that's it. The nice weather has finally broken with a rain storm just as we got home. Outside smells so fresh and clean. (Although I don't think it was enough to really cool things down)
I spent some time outside in the yard this afternoon. I sorted through the storage boxes we keep outside, mostly Pickle's toys, but one I've put all the plastic plant pots in. I've also been thinking about how to continue to improve that space in our house. It's a typical terrace dog leg yard, but is a reasonable size for what it is. I'm thinking of zoning it into 'rooms' reflecting 'taking the indoors outdoors'
I'm thinking a kitchen area, a dining area and a living area. I need to tidy up and sweep the non fake grass areas (kitchen & dining room zones) sort out a couple of the planters we've got (new liners needed) then investigate 'vertical gardening' for the living room and dining room zones. There's a lovely recess in the back walk that I think I will tile and put a single shelf in and turn it into and outdoor bar. Put some vertical planting something around it to grow herbs and botanicals for my g&ts. We have a bbq (for the kitchen) and a set of table and chairs.
I could make/get some bean bags or big cushions for the living room, but storing them is an issue, so maybe a bench with storage in the seat might be needed. Finish it off with some festoon lighting and hopefully a lovely, multifunctional space.
Just need to learn how to use the masonary drill to put the vertical planting stuff up. Hmmm may have to attack that 'pin board' app.
Wish.
MSE June Targets
1) Mop pot: (£264.39)
1) Interest added £64.88£64.88 :j
2) Nice round number 72.38/£81.15
3) £400 capital reduction 0/68.11
4) MFW2018 target 0/£50.25
2) 13 step plan
£400/£913
3) Nsds
7/16
4) debit card transactions
5/20 time to confess - I've lost my debit card so had to report it lost today. Awaiting a new one now
5) 1p a day challenge
18/30Outstanding mortgage: £23,181 (December 19)
MFW 2020 Challenge Member #10 0/£23180 -
A very early check in for me today. I'm heading down to the southwest for an inspection this after (my organisation being inspected, rather than me doing the inspection)
One of my subscriptions has gone out today, and there are only 2 this month, not three, so I've been able
To do quite a big tilly tidy to hit the next mini mop pot target. Woo hoo.
Can't imagine it will be a nsd today. Loooong drive and no snacks in stock - oh well.
Wish.
MSE June Targets
1) Mop pot: (£264.39)
1) Interest added £64.88£64.88 :j
2) Nice round number 81.15/£81.15 :j
3) £400 capital reduction 1.23/68.11
4) MFW2018 target 0/£50.25
2) 13 step plan
£400/£913
3) Nsds
7/16
4) debit card transactions
5/20 time to confess - I've lost my debit card so had to report it lost today. Awaiting a new one now
5) 1p a day challenge
18/30[/QUOTE]Outstanding mortgage: £23,181 (December 19)
MFW 2020 Challenge Member #10 0/£23180 -
Ive
Made it down to the sout west for my work day, although I'm now in Hampshire, actually I've no idea where I've left my brain.
Some 'additional to expenses' spends today
Toll road charge
Father's Day pressie
Wine & pudding with dinner
Wish.
MSE June Targets
1) Mop pot: (£264.39)
1) Interest added £64.88£64.88 :j
2) Nice round number 81.15/£81.15 :j
3) £400 capital reduction 1.53/68.11
4) MFW2018 target 0/£50.25
2) 13 step plan
£400/£913
3) Nsds
7/16
4) debit card transactions
5/20 time to confess - I've lost my debit card so had to report it lost today. Awaiting a new one now
5) 1p a day challenge
18/30Outstanding mortgage: £23,181 (December 19)
MFW 2020 Challenge Member #10 0/£23180 -
Good luck today Wish - I hope it all runs smoothly or as smoothly as these things can:eek: xxOriginal mortgage £112,000 . Final payment due August 2027.
Mortgage neutral achieved August 2020 - 7 years early!!!0 -
Good luck today Wish - I hope it all runs smoothly or as smoothly as these things can:eek: xx
Thanks PP, yesterday's inspection went well, only an incredible short one- bit of a waste of a journey actually.
Today is me making an annual visit to one of the settings I oversee, should be fine unless I find major compliance issues, which I doubt from the communication I've already had with them.
Then a long drive home this afternoon/evening.
Wish.Outstanding mortgage: £23,181 (December 19)
MFW 2020 Challenge Member #10 0/£23180 -
Evening all, I'm home and shattered. Another setting visit tomorrow, about and hour from home so not as much travelling as previously.
Wish.
MSE June Targets
1) Mop pot: (£264.39)
1) Interest added £64.88£64.88 :j
2) Nice round number 81.15/£81.15 :j
3) £400 capital reduction 8.69/68.11
4) MFW2018 target 0/£50.25
2) 13 step plan
£400/£913
3) Nsds
7/16
4) debit card transactions
5/20 time to confess - I've lost my debit card so had to report it lost today. Awaiting a new one now
5) 1p a day challenge
18/30Outstanding mortgage: £23,181 (December 19)
MFW 2020 Challenge Member #10 0/£23180 -
I love that you have a lady plasterer. I wish I had one of those...
Growing botanicals and herbs for G&Ts. Such a fab idea
Well done with the NSDsIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.
Solicitor/survey savings 300/1700
Emergency fund 0/1000
Buffer fund 0/2000 -
Hi DIA, our plasterer is awesome, she's not cheap by any stretch of the imagination, but she is excellent. We have been known to stand at a newly Plastered wall and stroke it, it is that smooth. I need to get cracking on the garden plan when I have 5 minutes spare, focus on one job at a time, so I think the 'bar area' should be first.
Today I've made another setting visit,
My 12th of 20 for the year (One more booked in for the start of July) nice easy one today. Spends have been 'expenses only', so a nsd and no direct debits etc gone out, so nothing to tilly tidy.
Tomorrow is sort of a work day, but a friend, who works at a beauty college, asked me if I wanted a free facial and massage - can't possibly say no to that!
So not many updates. I'm off to go and sort my kindle out and download a book. Going to do some digital detoxing over the next few days and weeks (kindle acceptable as it's not social media, which is what I need to reduce really) have a lovely evening everyone.
ETA: done some 1p a day transfers to be able to Tilly tidy too.
Wish.
MSE June Targets
1) Mop pot: (£264.39)
1) Interest added £64.88£64.88 :j
2) Nice round number £81.15/£81.15 :j
3) £400 capital reduction £9.51/68.11
4) MFW2018 target 0/£50.25
2) 13 step plan
£400/£913
3) Nsds
8/16
4) debit card transactions
5/20 time to confess - new debit card arrived today so will see if I can use it enough times this month now.
5) 1p a day challenge
24/30Outstanding mortgage: £23,181 (December 19)
MFW 2020 Challenge Member #10 0/£23180 -
Another nsd. Woo hoo
A free facial and massage - amazing (with an open invite to go back to be a guinea pig again in the future - urm yes please!)
Work was uneventful - which was nice and makes a change.
I've sorted through my extra hours this month (2.5 days) and my expenses, which includes over 800 in mileage claim.
My brain is fuzzy, I need to sort the cat box out before bed night all.
Wish.
MSE June Targets
1) Mop pot: (£264.39)
1) Interest added £64.88£64.88 :j
2) Nice round number £81.15/£81.15 :j
3) £400 capital reduction £10.27/68.11
4) MFW2018 target 0/£50.25
2) 13 step plan
£400/£913
3) Nsds
9/16
4) debit card transactions
5/20 time to confess - new debit card arrived today so will see if I can use it enough times this month now.
5) 1p a day challenge
32/30 :j I'm going to focus on the mop pot now as I've exceeded this month's target already.Outstanding mortgage: £23,181 (December 19)
MFW 2020 Challenge Member #10 0/£23180
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