Taking it slowly, but doing it well.

wishingthemortgaheaway

pinkypig wrote: »

Hi EL - try Deliciously Ella , there's a lovely veggie shepherd's pie using black beans and sweet potato mash. Black bean burgers are also nice as are quesadillas and burritos.

Sorry to hijack Wish, good luck with your frantic week

Apologies for hijacking are not required. Pleased someone has some answers.
Thank you PP.

wishingthemortgaheaway

Courgette wrote: »

Your daily interest rate is great! Are you not tempted to OP 2p every single day to tidy it up though? I think I would be! Ours is something like £7 a day I think. Haven't checked for a while

Our interest is added monthly not daily, so that temptation is not there so much. I also don't have the money anymore to keep rounding the mortgage down to nice round numbers all the time. This is why I have 'the plan' and I need to stick to it.
My aim for this month is to really try and hit the £30k mark (£266 to go as of this morning) we'll see. I am due some overtime this month which will help.

If I go back to the start of my last diary though I think my target was something like getting the daily interest down to £5 a day, so this nearly £2 a day is amazing.

I'm also at the point, for the first time ever, where I'm having to track the overpayments really carefully so as not to go over the 10% allowance.

wishingthemortgaheaway

Morning,
I've no idea where I'm up to with anything currently.
I'll try and break it down for my own head.

Monday: a day of running errands with hubby coming with me while I picked up 'a couple of bits' £24 later the grocery budget is looking very sorry for itself already. Took a pair of trousers back and exchanged them for a pair of jeans and a part refund which has been added to the relevant pots.
Booked the Santa special tickets for us and my parents for Christmas, nearly £100 for the 5 of us. From the Christmas budget, but Mum and dad said they would pay, so will reimburse me when they go home.

Paid the deposit for the new bedroom windows. I've taken this from the 13 step plan for now, but I will be taking the total amount from my inheritance money when I have to pay the balance. So will refund the mortgage offset plan.

Tuesday: no spending my money day - all spends on expenses. Let's hope today is the same.

I have my Big 'please give me more hours' meeting today. I really need the hours to do the job and the money would be lovely.
Then the long drive home.
Wish

MSE September Goals

Mop pot: £351.72
1) Nice round number: £28.53/£28.53 :j
2) Interest added: £34.02/£34.02
3) £400 capital reduction: £7.28/£129.26
4) MFW 2018 monthly target: £23.19
5) £30k mortgage balance: £136.72

13 step plan
£50/£570 (due to paying window deposit)

NSDs
2/16

1p a day challenge
16/30

wishingthemortgaheaway

So, where are we up to?

Wednesday: my big Work meeting went well, not as many new hours are coming my way as I'd really hoped for, but more than the minimum I'd set as my non negotiable. It should work out as a pay rise of over £2k per year. There is also the possibility of me taking in an additional role with work, sort of linked to my area, the plan is to offer
It for 3 days a week at assistant level, but if it came to me it would only be 2 days a week and probably at my managerial pay level, lots of things to go through but it could mean a salary increase of between £8& £12k but I would have to increase Pickle's childcare (I think) and would definitely drop the supply. But I would have a more stable income.
Wednesday was a nsd (number 3 I believe)

Yesterday (and today) Work training in the next big city to us. So this is 2 days of overtime for me (woo hoo) and spends I made were on expenses - nsd number 4.

Mum and dad are being brilliant. Mum has done all the washing and is keeping on top of the house bits for me, which is great. I will need a proper tidy when they leave tomorrow, (hubby has had a bit of a dumping session of his stuff) but it's not going to be terrible.

No idea what I'm going to do with Pickle on Saturday. I find Saturdays hard when hubby is away. Friends are all busy with their families and places are generally busier, which I find hard, and not much fun when it's just the two of us. We will need to do a bit of a shop (hopefully a tiny one) but then I think it might be tv and the local park.

Hope Friday all goes Well for you.
Wish

MSE September Goals

Mop pot: £351.72
1) Nice round number: £28.53/£28.53 :j
2) Interest added: £34.02/£34.02 :j
3) £400 capital reduction: £8.91/£129.26
4) MFW 2018 monthly target: £23.19
5) £30k mortgage balance: £136.72

13 step plan
£50/£570 (due to paying window deposit)

NSDs
4/16

1p a day challenge
16/30

Courgette

Great news on the job!

wishingthemortgaheaway

Goodness me, it's been a week since I updated, I keep starting post, don't get round to finishing them and then they disappear. So I've got 20 minutes before Pickle's clock tells him it's morning.
Everyday pots are looking a little bit disastrous, only about £60 left for the rest of the month, household goods money all gone (unless I wam), in fact, for once the highest pot left is the restaurants one, makes a change. I am going 'out-out' tonight for a 30th birthday do though, a friend is babysitting, and another friend is driving, so actually it is the most mse it can be. I've not been this sort of 'out' for soooo long, that I am really looking forward to it. I have some cash in my purse, so shouldn't affect budget money too much.

This week has been busy with work,I've worked all three days that Pickle's been at the Childminder's. Tuesday was my normal work salaried day, Wednesday was a full day's supply and yesterday I did half a day of consultancy work, which has led into about another 2/3 day's in the next few weeks. This is actually the best paid of all my 'jobs' but has the fewest amount of hours, which is a shame, but nice when it happens. Not sure whether the money for yesterday will be processed by the end of the month or whether it's the start of next month's savings pots. (Supply teaching money will be paid next Friday)

I've had 4 Nsds this week which I'm pleased about.

Today is back to Mum's coffee gathering which I'm looking forward too, not been for ages so will be nice to see everyone.

Can't think what else is going on in life, but hope you are all well.


Wish

MSE September Goals

Mop pot: £351.72
1) Nice round number: £28.53/£28.53 :j
2) Interest added: £34.02/£34.02 :j
3) £400 capital reduction: £12.25/£129.26
4) MFW 2018 monthly target: £23.19
5) £30k mortgage balance: £136.72

13 step plan
£50/£570 (due to paying window deposit)

NSDs
8/16

1p a day challenge
16/30

wishingthemortgaheaway

So, I'm not being very money saving at the moment, which is, I guess why I haven't been updating very often. I really need to get back on track and smash these targets.

Yesterday I took Pickle to the city fun day, we wasn't on the bus, enjoyed street food, a nice drink, pickle had an ice cream and a go on a fair ground ride, about £15 spent. Wished I'd take. A pack up for us both as the street food was pretty pants.

Today my spends we're on a badly planned grocery shop too many really bad foods and not ally any meals which is an issue really. Will have to go back to the shops on Wednesday probably. So that will be the end of this month's grocery money. I do think I'm going to have to top pots up with my supply money this week;will be paid on Friday. Probably need another proper rummage in the cupboards for freezer food to reduce the food bill a bit.

We're at a bit of a cross roads in life currently. At the moment everything is quite calm (for us) but there are a huge number of potentials that May land in the next 12 months. With regard to house moves, it could mean Moving locally (extra bedroom/garden/Garage, it could mean a move 2ish hours North or it could
Mean moving 3.5hrs south west. Who knows. All I know is, the more savings & equity we have, the better surely???

I think tomorrow is child benefit day, so that will be another £2.80 into the mop pot. No idea what else is going on financially this week, I will need to fill my car up before I go on a work trip on Thursday though, that will take the last £10 in the fuel pot plus most, if not all of
My work 'expenses' float, but that will get topped up when my
Expenses are paid At the end of the month.

Urgh,
Lots of rambling and not much productivity I'm afraid.

Wish

MSE September Goals

Mop pot: £351.72
1) Nice round number: £28.53/£28.53 :j
2) Interest added: £34.02/£34.02 :j
3) £400 capital reduction: £22.19/£129.26
4) MFW 2018 monthly target: £23.19
5) £30k mortgage balance: £136.72

13 step plan
£60/£570 (due to paying window deposit)

NSDs
8/16

1p a day challenge
16/30

wishingthemortgaheaway

Also, just checked.

At the end of this month our mortgage should have 11years left to run. Had we made no overpayments, we'd be sitting on a balance of around £40k, not the £30k we actually have. I've paid an additional £10k off of my mortgage! (And it's only going to get better!)

wishingthemortgaheaway

today is a day of 'wasn't s'
It wasn't child benefit day, that's next week -oops
It wasn't a nsd: cafe trip, trainers for Pickle, tweezers for me, fuel for the car and a load of Christmas pressies
It wasn't very mse- I've now put £120 of fuel in my car this month (thankfully the majority is for business use. )

But now I'm tired. Night all.

Wish

MSE September Goals

Mop pot: £351.72
1) Nice round number: £28.53/£28.53 :j
2) Interest added: £34.02/£34.02 :j
3) £400 capital reduction: £22.79/£129.26
4) MFW 2018 monthly target: £23.19
5) £30k mortgage balance: £136.72

13 step plan
£60/£570 (due to paying window deposit)

NSDs
8/16

1p a day challenge
16/30

wishingthemortgaheaway

A nsd today (hooray) it is much needed for the finances.
I'm going to have to go shopping tomorrow (boo) I've completely forgotten to leave food for hubby and Pickle
While I'm away - I'm being a muppet. Hubby hates left over freezer meal type foods, so it's free every night for him.
I'll get it sorted.
Day at home tomorrow, I've not been called for supply which I'm pleased about (even though the money is always welcomed) so, packing, shopping and sorting tomorrow And a bit of a rest before two long days of visits for work.

Wish

MSE September Goals

Mop pot: £351.72
1) Nice round number: £28.53/£28.53 :j
2) Interest added: £34.02/£34.02 :j
3) £400 capital reduction: £22.79/£129.26
4) MFW 2018 monthly target: £23.19
5) £30k mortgage balance: £136.72

13 step plan
£60/£570 (due to paying window deposit)

NSDs
8/16

1p a day challenge
16/30