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pinknsparkly wrote: »
Your plans are very inspiring - I'm hoping to also start mortgage OPs in the new year like you. But will also be limited by wanting to rebuild our emergency savings and do work to the house. The purchase is currently going through at the moment.
You mentioned using your Tesco clubcard points to go away for UK holidays - what do you use them for exactly? I've previously only really used them for meals out or days out but we're not likely to be having any big holidays for a few years so if I can use my points for UK holidays instead then that would be fab!!
Betterthanever wrote: »
I feel your pain and have had many months just like that. Many years in fact. It is all one big juggling act isn't it? On paper it works, but reality tells us different. My suggestion is to get a spending diary going, if you don't already have one. Be honest about writing everything down to see where it differs from your budgets. If you can see it, you can tackle it. Otherwise you will exhaust yourself trying to work 24/7 as well as the mental exhaustion of worrying about it.
And while you get straight, don't fret about overpaying. Not forever, just while you work out where you are. A month or two delay in being MF is nothing in he grand scheme of things, and once you are straight again you will probably catch that up with your renewed control.
You've got this.
beanielou wrote: »
It can seem like that sometimes sadly.
penguineater wrote: »
Have a few questions for you:
Water - £52 Looked into a water meter?
Gas/Electric - £88 Used comparison sites to get the cheapest deal?
Phone/internet bill - £50 What are you getting exactly, broadband or fibre? Which company, price - And what phone deal?
Food/household shopping - £200 Seems you have this locked down! Are you able to get lots of reduced food near closing?
Car expenses (2 cars) - £500 Comparison sites used recently?
Home Insurance - £30 Comparison sites? If you pay annually it's usually cheaper (maybe you are)
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