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Kimplus8 MFW I will own my own home diary

kimplus8
kimplus8 Posts: 994 Forumite
Ninth Anniversary 500 Posts Name Dropper Photogenic
in Mortgage-free wannabe
As the title says, I am saving every last penny, the hardest part for me is having a no spend month, I always crack and buy something unnecessary and then I am furious at myself afterwards. The last 2 months I have managed a No Spend month and I have managed to sell a bunch of stuff too to buy the kids the new school shoes they need in august and to pay for our summer funds.
I have opened a LISA which has £1000 and that was before April so I intend to use the full £4000 allowance this year.
My goal for April 2019/20 is to save £6,000.
Just a single mum, working full time, bit of a nutcase, but mostly sensible, wanting to be Mortgage free by 2035 or less!
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Comments

  • MovingForwards
    MovingForwards Posts: 17,163 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Good luck!

    Determination will get you there :)
    Mortgage started 2020, aiming to clear 31/12/2029.
  • kimplus8
    kimplus8 Posts: 994 Forumite
    Ninth Anniversary 500 Posts Name Dropper Photogenic
    after a stressful couple of days sorting tax credits and juggling finances I am finally sorted for this month so should be right on track for saving. I am going to meal plan every meal, have timed snack slots for the kids, like at school so they don't devour my entire kitchen every weekend and holiday and plan everything but have a buffer for unexpected spends until I have got the budget precise.
    Just a single mum, working full time, bit of a nutcase, but mostly sensible, wanting to be Mortgage free by 2035 or less!
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Tenth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    Good luck!

    Dxxx
  • LeighofMar
    LeighofMar Posts: 672 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Welcome. Happy new diary.
    Mortgage start date Dec 2015 - $64,655.00
    Mortgage end date Dec 2045 - NOT!!!!
    Mortgage balance  - $4600.00
    Business Savings $43,310/100k
    Hope to be mortgage-free by end of 2023 
  • kimplus8
    kimplus8 Posts: 994 Forumite
    Ninth Anniversary 500 Posts Name Dropper Photogenic
    Today I am stressed. I am so focused on saving it it all I can currently think about which is a bit crazy. Every time go to spend money I feel like that money would be so better suited to my savings and I can't spend it. Its like once I made the decision to buy a home thats all I can think about and focus on.
    Im just looking at all the free and cheap activities that are on in the school holidays and juggling it all around. I have my set budget for the summer and I am determined to not go over it!
    Just a single mum, working full time, bit of a nutcase, but mostly sensible, wanting to be Mortgage free by 2035 or less!
  • upwards
    upwards Posts: 44 Forumite
    You can do it Kimplus8!!!
  • zcrat41
    zcrat41 Posts: 1,799 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Good luck.

    I like the idea of set snack times for kids. I find mine eat less if they have to eat it from a plate at a table!

    Try your local library, churches & Sainsburys kids active clubs for free or cheap things to do over the summer.
  • kimplus8
    kimplus8 Posts: 994 Forumite
    Ninth Anniversary 500 Posts Name Dropper Photogenic
    Set snack times is working good for us so far, they have that at school and don’t starve so I have found now we eat at set times at homes we go through far less fruit and snack foods.
    Just a single mum, working full time, bit of a nutcase, but mostly sensible, wanting to be Mortgage free by 2035 or less!
  • Tropically
    Tropically Posts: 427 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    I followed your DFW journey with interest and good luck with the next step.
    Mortgage started at £318,000 in June 2016. Original MF - 2041 :eek:
    2nd Property Mortgage at £275,000. Mortgage free: 2049 :eek:
    Total OPs: £29529
  • kimplus8
    kimplus8 Posts: 994 Forumite
    Ninth Anniversary 500 Posts Name Dropper Photogenic
    had a crazy busy week, tonight I will be posting up my SOA and hopefully be getting my budget down to a T
    Just a single mum, working full time, bit of a nutcase, but mostly sensible, wanting to be Mortgage free by 2035 or less!
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