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Taking it slowly, but doing it well. - Page 92

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Taking it slowly, but doing it well.

edited 30 November -1 at 12:00AM in Mortgage-Free Wannabe
1.1K replies 105.8K views
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  • KarmacatKarmacat Forumite
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    You sound pleased with the way things are going :)
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Karmacat wrote: »
    You sound pleased with the way things are going :)

    I am, I save the money all year so I can spend it if I want, but if I don't spend it, the. It adds to savings or overpayments and that's better than spending.

    This month I want to 'repay' myself for the plastering work already carried out and paid for (£165) and try and 'get ahead' on my mfw 2019 challenge. I'm fed up of the spreadsheet saying 'slightly behind' because I don't register my ops until the end of the month.

    We shall see, I think I've got 1 day of work overtime to claim this month, so that will help a little bit too.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • shangaijimmyshangaijimmy Forumite
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    The motivational factor of seeing that balance coming down and feeling like your are "winning", if only marginally is amazing!! Keep up the great work.
    MFW: Was: £136,000.......Now: £71,115.74......Reduction: £64,885.85... in 5yrs 9mths!
    Mortgage Neutral Target - Feb 2025...£61,160.26 remaining
    MFiT-T5 #8 - £10,313 of £23,100 (44.65%)
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    So, spends today we're on:

    Duck food
    Ice cream
    £1 for the swimming locker (swimming pool closed, but hubby has pocketed the £1)
    Cheese
    Tilly tidies
    Hmmm think that's it:

    Money for tomorrow:
    Cash in purse - £24.50
    Unused allowance in bank from previous days - £61
    Tomorrow's allowance: £25

    Total £110.50

    Market day tomorrow, so it will take a hit as I want to top up the fruit & veggies.

    Yay - go me!
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • KarmacatKarmacat Forumite
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    Tell hubby to give you the £1 back! And yay, go you for duck food :):):)
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Karmacat wrote: »
    Tell hubby to give you the £1 back! And yay, go you for duck food :):):)

    I can live without the £1 - but he doesn't get one next time they go swimming!


    So, today - spends day... (as anticipated!
    Spensive supermarket: over £17 for a 'few bits' it's all branded stuff as they don't do own brand for many of the things I needed. 43p each for really basic yoghurts. Ouch!!!! I stuck to my list though.

    Then the butchers - 3 items.... £13 ouchy ouchy, but it's good quality stuff.

    Treaty breakfast out for Pickle and I.

    Then, this afternoon (it's market day)
    Soft fruit
    Marmalade
    The most expensive olives EVER!!! (Won't be getting any more of those, who knew Olives were so heavy?)

    All of which means I've massively over spent on Today's allowance, but we are good overall.

    Here's the lie of the land for tomorrow:

    Cash in purse £53.50 (£50 taken out of bank today)
    Unused allowance still in bank: £0
    Allowance for tomorrow: £25.00

    Total: £78.50

    This means a total spend today (including tilly tidies, some appropriate change needed for emergency toilet stop, and a £2 coin to be put in the £2 jar) comes to: £57.
    So, just over 2 day's worth of allowance...


    Hopefully tomorrow will be a low spend day.

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • redofromstartredofromstart Forumite
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    Those 'specialist' loose olives on market stalls are stupidly expensive but my OH loves them. I like the turkish delight too but similar issue.
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Those 'specialist' loose olives on market stalls are stupidly expensive but my OH loves them. I like the turkish delight too but similar issue.

    I know - eye opening, and they've pretty much been polished off by the 3 year old
    'Mummy, these olives are yummy, can I have some for my lunch please?'
    He has expensive taste.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Today's numbers are in:

    Spends on:
    Croissants (Little Pickle!)
    Thank you gifts & cards
    Money to the 'toilet fund'
    Shrapnel to the change pot.
    Total spend: £15.50

    Money for tomorrow
    Cash in purse: £38
    Unused allowance in Bank: £25
    Tomorrow's allowance: £25
    Total: £88
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    Late check in tonight, have been doing a jigsaw puzzle all evening because I am pretty bored.

    When my friend is up here next week, I am the one going to the pub every night and hubby can stay home!

    Spends today on:

    Breakfast rolls for family & some of hubby's team who've done him a favour.
    Milk
    Lunch out with friends for Pickle and I
    Sweets from the proper sweet shop
    Tilly tidies
    Money to the 'emergency toilet fund' (think this is pretty well funded now, will check amount tomorrow)
    Shrapnel to the change pot.

    Total spend today: £38.50.


    Money for tomorrow:
    Cash in purse: £19.50
    Unused allowance in bank: £30
    Tomorrow's allowance £25

    Total: £74.50
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
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