Aiming for 1200 overpayment this year

Couldsavemore

Libranharry

Yes, they do seem to get forgetfull about their kids. You see it all the time, not paying but off on a holiday! Because they need a holiday more than the kids need new school uniform.
Mine seems to be an exception as he does pay and he does have him on alternative weekends.

3 kids you definately will have your hands full!

But he has quit his job and says he has nothing lined up but he's dropping the payments to £280 from January... so he must have something lined up!

Not much of interest on the OP front... will make next payment in january when i get paid.

I've read a few diaries and decided I really need a side account for those big bills such as insurance or nice stuff like a weekend in the caravan! So I'm leaving the maintenance payments alone and will use them. So far got £500 in that account!

Got my statement from mortgage company.... i can see the term of the mortgage shortening!

Well done for making it to the end of this post:j

Couldsavemore

Off out for the staff christmas do tonight!!

I'll be leaving my debit card at home to avoid over spending.

Emergency taxi money will be left by the front door.

Small person will be packed off to grannies in a few minutes:rudolf:

:beer::beer::beer:::beer::beer::beer:

Couldsavemore

Last weeks food spend was a whooping £66 but did get £8 off with a voucher and I stock up a bit.

Must do better next week. I have a £8 off a £40 spend for Mr S so will stock up on rice and oat milk.

Had a good night out, saved on taxi's! Got a lift to town and walked home.

Lots of stuff for christmas, i wont need to buy shower gel for the year!

Couldsavemore

Its looking good for an underspend!

I got some cash for christmas so have ordered some nice moisturisers, even better with 25% discount the website had.

Used my last £8 of a £40 spend voucher at supermarket... stocked up on extra rice milk and oat milk, so hopefully will just be goung to Mr A for a few weeks.

Busy trying to think of decent new years resolutions... other than making op's on my mortgage...

Really must put in for exam marking job...

Couldsavemore

Financial nerd report!

Small savings account...£570..
First target is to reach £1000 spending money for disney holiday

Big Savings account... £6600..
I've got to pay for Disney holiday and need some to buy a bigger car to pull the caravan..
Aiming to have £7500 in the bank at the end of the year...

Mortgage
Currently owe... £49651.24 with 16 years 7 months left on the term..
Aiming for OP of £2400 OP this year..

Fingers crossed for a low spend diary!!

Will stick to tracking bank balance each day..
Will stick to £30 a week grocery challenge
Will stick to £30 entertainment / clothes per week
Keep strict spending diary

Couldsavemore

I've been thinking of my resolutions..

Obviously £2400 worth of OP's

But for fun..
Crafting...
Finish crochet baby blanket..
Make crochet duck
Make dirty washing basket for small person
Hand make 5 christmas decorations..

I already have the stuff to complete these so will not they are NO SPEND ACTIVITIES!!

Health wise...
Get back under 25min for a 5km
Try 3 new races..
Swim in 10 new wild swimming places.. although will wait till its a bit warmer before doing this but I have entered the great north swim so Windermere will count as 1!
Tone up and loose the gut!

I think that should do... will be aiming for a healthy financial year...

Couldsavemore

Not much to report on the financial front.

Went to see Mary Poppins returns... £4.99 for 2 tickets courtesy of thoose meerkats.

Packed up the christmas decorations... Time to declutter and tidy..

Should be time to sleep but woke up stressed after strange dream about teenagers swarming our street and trying to break in and my phone not working properly to ring the police..

Also adding to my resolutions..
10 books which have been bought but not read!

Crocheting baby blanket going well... onto last ball of wool for that. Fingers crossed it will be done by the end of the week!

Couldsavemore

Financial wise... a deeply boring week. Just busy being mindful not to spend any money. I think I'm hitting that boring part of over payments.. as I can't think of any exciting ways or fun ways to save money or generate money!

I work out changing how and where I buy my cat food I can save about £100. So now making a trip to a certain discount shop to buy a months supply of the same brand cat food and biscuit. Also noticed I can make a saving on the cat litter as well.

Yes this is about as exciting as it gets!!

Busy counting the weeks to half term!

Couldsavemore

I got my mortgage statement..
This month its dropped from 16 years 7 months to 16 years and 4 months....

So the op knocked 2 months off!

Also hoing to hit 48000's next month..

Fingers crossed for another low spend month

Couldsavemore

Took a financial risk this week.
Small person wanted to use his christmas money to buy skylanders imaginators... but the english version, when i could find one, was over 90 quid.
So I've ordered the american version including postage... less than 40 quid!
I've read up on line that the switch is region free so fingers crossed.

Went swimming this week... pool swimming is like running on a tread mill but managed a mile. Am looking forward to swimming outdoors again but i think i need the temperature to be a smidge or 2 higher.

Food shopping wise have stuck to the budget. Finding it much easier, i think its helped to buy a month worth of moggy food from B M, and buy a month worth of rice milk and oat milk etc from Mr S then just stick to Mr A.
Have found a few more vegan products at Mr A's but i have no idea why they hide them in amongst the meat and dairy... perhaps its a conspiracy to get meat eater eating vegan food... or perhaps they missed the point that i don't shop in the meat / dairy.

My decluttering isn't going to well but small person is away this weekend so I'll try to declutter his room a bit. I'll sort it between e bay / car boot / charity... hooefully very little for the bin.