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MSE NEWSFLASH 19/1
MORE THAN 29,800 MONEYSAVERS HAVE NOW ENROLLED IN THE ACADEMONEY THROUGH OUR PARTNERSHIP WITH THE OPEN UNIVERSITYCOLD WEATHER PAYMENTS TRIGGERED - CAN YOU GET £25 TOWARDS YOUR ENERGY BILLS?
MARTIN LEWIS WARNS HSBC, FIRST DIRECT AND M&S CUSTOMERS AFTER MAN NEARLY CHUCKED AWAY UNEXPECTED CHEQUE
*sigh* this may take a while
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Any how I am going try this... Good luck XX
Emergency fund - 1100, Deposit - 800, Insurance and Christmas -300 , House - 5533
Good luck on your journey.
I like the idea of including the children in the budgeting, especially the older two who can be a little *cough* entitled.
Today was a NSD, mainly because we sat around doing !!!!!! all! I've volunteered to do an extra shift at work tomorrow, it'll be £150 after deductions and as hubby is at home, no childcare costs! It'll man a 6am start though, yuck
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
Good luck with your debt busting!
Crunchy xx
Overdraft £1600 vs £1050
HSBC1 £1900 vs £3868
HSBC2 £4100 vs £3730
Virgin 1 £3050 vs £2800
House stuff and improvements £4460 Virgin 2 £2740
Did an extra shift today, added bonus was that as I was at work, I didn’t spend any money!!
I currently have 3 sources of income;
1) is my profession which I earn the most for hourly, but don’t really enjoy (£1000 a month for 15 hours a week)
2) a retail job that pays very little, but I have no childcare costs and I don’t pay NI. Together with perks (discount) this means I take home the same a day as job 1) and earns me £300 per month for 8 hours a week
3) my own business that doesn’t pay much, but I can do it around the children (the other £370 a month for 10 hours a week)
All my childcare costs £300 are incurred through doing job 1).
I constantly waver and tweak the balance between the 3 roles and the current above scenario seems to earn the most relevant to the hours worked.
I dislike job 1) enough that I don’t really ever want to do more 15 hours a week in it, so when my little one starts school I may have to look for a different job. That’s a while off though :-)
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
Sounds like a good mix of work! xx
Overdraft £1600 vs £1050
HSBC1 £1900 vs £3868
HSBC2 £4100 vs £3730
Virgin 1 £3050 vs £2800
House stuff and improvements £4460 Virgin 2 £2740
Financial:
- pay at least £1k over and above minimums off debts
- keep a spending diary so I can update the SOA at the end of March
- take lunch into work (saving £10 a week)
Health:
- 3 alchohol free nights a week (saving £5 a week)
- lose 14lbs (1lb a week on average)
- exercise 3 times a week
- try and reach 10000 steps a day
I'm looking forward to the fresh start and trying to achieve these targets... if I do, I should be feeling lighter, healthier and less skint in 3 months
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
My year started early at 6.30am thanks to my 3 year old!
Got on the scales and I've put on 5lb over the last month and 14lb since the start of 2018 (this is the 14lb I've targeted to lose in the first 3 months of this year)… I'll see how I go, but I've put on 20lb in total since I had my 15 year old. I wouldn't mind getting back to that.... healthy eating starts today.
Money wise, we decided to stay home last night, saved ourselves at least £150 in babysitting, taxis and drinks. Instead, we ate leftover Christmas treats and our eldest 3 stayed up to watch films and play games. A NSD on New Years Eve, that's a first! Another NSD today; down come the Christmas decs and then an afternoon of board games planned :-)
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
On the plus side, I've had two NSD in a row and I haven't eaten much as I've been in quite a lot of pain. Small silver linings! Luckily, my husband had already taken this week off as annual leave. The hospital has signed me off work for 2 weeks for recovery, in a very lazy way I'm quite pleased, especially as I get a week's annual leave back because of it :cool:
The children are all back to school/ preschool tomorrow which they're not looking forward to. It's been a lovely break (except for my knee!), so I'm quite sad it's over
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
Will do myself a signature too and then update it on the first of every month.
It is going to be a slow few days resting my knee, so I'm going to do my tax return for self employed job. I haven't put anything aside to pay the tax, so I'm hoping the figure isn't too high
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.