Our MFW Adventure!

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  • edited 27 June 2019 at 1:15PM
    NeedhelpsavingNeedhelpsaving Forumite
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    edited 27 June 2019 at 1:15PM
    :hello:Hi

    So, today is off to a good start ... I mean the weather has made it a corker!


    1. School uniform for DD1 returned to store for a refund.

    2. Bought a new sun hat for DD1 as her current one is looking a bit grubby. That one has been sent to school for use until the end of term and then she has a nice one to wear with her clothes at home - £5 spent.

    3. £3.94 spent on wrapping and parcel goods to send my nieces birthday presents to them. There is no one visiting before their birthdays, so they will need to be posted.

    4. Two more items listed for sale on a local selling site, 3 more identified, but these will be done later as DD2 has just woken up from her nap.

    5. Had £12.10 sitting in a survey site account, so have requested that payment. Should take around 10 days and then will be sent on to mortgage as an OP.

    6. Receipts from this week have been logged on my spreadsheet and also uploaded to receipt hog.

    7. Dropped of some clothes recycling while I was out.

    Right, I need to get lunch made, have a great day whatever you're up to! :D
    2021 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £39,768.45 Part 2 Starting Balance £101,997.88 currently £101,469.31 (as at 20/04/2021)
  • NeedhelpsavingNeedhelpsaving Forumite
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    Good Morning,

    Another glorious day here, which is welcome. Yesterday was a bit of an off day for me, I woke up in a foul mood and ended up binge eating a share size packet of crisps and an individual trifle :eek: - no idea why I was in such a bad mood, I just was.

    The day then got worse with a situation thrown my way by an extended family member, but I felt I handled it fairly well ... considering my mood it could have been disastrous. They then persisted in calling me last night, but I just didn't answer as I needed to get some space and perspective on the situation.

    On a positive note, it was an NSD, with family time spent at home last night, paddling pool out and ice lollies all round - it was good for the soul :)

    Today is going to be a better day. I've already found 97p in change while doing some cleaning, so I will round this up to £1 and OP it to mortgage, then I have sold an item online for £10, the chap is due to collect and pay this afternoon. Again, once this is done, I will send the £10 to the mortgage as an OP.

    ... Just going to have a cheeky brew :D
    2021 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £39,768.45 Part 2 Starting Balance £101,997.88 currently £101,469.31 (as at 20/04/2021)
  • edited 29 June 2019 at 4:15PM
    NeedhelpsavingNeedhelpsaving Forumite
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    edited 29 June 2019 at 4:15PM
    Item sold online has been collected and paid for :j

    £11 from sale and change around house has been OP'd to the mortgage. This brings my current OP target to £34.75/£79.36 :D

    I have found more things to sell by applying the idea that if we were moving now, what would I not want to take with us. If we don't use/value it, then we should be looking to remove it now and use the money from selling it to move us towards paying down the mortgage so that we would be able to move to a new home in the future ;)

    Time and perspective has been given to the family situation, and I think I have found a way to view it in a more positive light and reduce the impact.
    2021 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £39,768.45 Part 2 Starting Balance £101,997.88 currently £101,469.31 (as at 20/04/2021)
  • kaycastlekaycastle Forumite
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    Well done on your progress so far and your selling of things :)

    I love clear outs - they are so therapeutic!
    Mortgage: Oct'17:£228k Current: £182k.
    Short-term: Loft conversion target: £26k/£45k. Emergency fund: £1439/£2500
    Long-term Goal: Mortgage neutral by 2031 (age 40)
    Pension: £22k
    My mortgage neutral and maternity prep diary
  • [Deleted User][Deleted User]
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    Following you with interest. Well done on your progress so far. Happy clear out!
  • NeedhelpsavingNeedhelpsaving Forumite
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    Thanks for dropping in Kaycastle and Makethedayscount, it’s always good to hear from fellow MSEr’s! Do you have diaries?

    Today we’re heading to a local sports club for their summer fete, so that should be a nice change of scenery for us all. Other than this, we’re having a simple day together and moving at our own pace x

    Have a lovely day, whatever you’re up to x
    2021 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £39,768.45 Part 2 Starting Balance £101,997.88 currently £101,469.31 (as at 20/04/2021)
  • NeedhelpsavingNeedhelpsaving Forumite
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    As planned we went to the local summer fete, all money raised was going to charity and it was very good value.

    We spent £14 for all four of us, this included face painting, bouncy castle, disco, drinks, snacks (had lunch before we went). OH covered this from the entertainment money he had set aside.

    No other spends today, all meals eaten at home. Early night as the heat meant that we didn't sleep well last night x
    2021 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £39,768.45 Part 2 Starting Balance £101,997.88 currently £101,469.31 (as at 20/04/2021)
  • edited 3 July 2019 at 5:08AM
    NeedhelpsavingNeedhelpsaving Forumite
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    edited 3 July 2019 at 5:08AM
    NSD today! :j

    It's been a productive day, cleared out the food cupboard and have made some cake, using up bits and bobs that were being shoved into the back of the stores.

    We have enough food to last us until Friday, so I will go shopping then. The only exception being that I may need to get some butter to tide us over.

    I also lurked on a couple of diaries today while DD2 was napping, to keep up my motivation :D

    Today was the day the mortgage account updated and we dropped to £55,090.47. So, I have decided to start afresh with my target for July and aim to clear this £90.47 by 31/07/19.

    I have £12.10 still pending from Panelbase, which is likely to hit my account next week, but the rest will need to be earned/saved.

    I wombled a penny on the way back from taking DD2 to the park ... it all counts :D but I will need to get creative in respect of the rest of it.

    £60 annual saving on boiler cover renewal price, which we are happy with.

    Jobs for this week;

    1. List remaining items for sale and review current items to see if listings could be updated to attract a sale.

    2. Keep to 2 days of spends only - DD1 school summer fete and haircut for me/food shopping.

    3. Book physio appointment (covered by OH work health insurance) due to back problems that have surfaced. I want to nip this in the bud.

    4. [STRIKE]Book dental appointments for me and DD1, register DD2 with dentist. [/STRIKE]

    5. Complete surveys and get back into typing work (otherwise they'll cancel my account!).

    Right, I'm off to read some more diaries for inspiration, have a good one wherever you are x
    2021 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £39,768.45 Part 2 Starting Balance £101,997.88 currently £101,469.31 (as at 20/04/2021)
  • NeedhelpsavingNeedhelpsaving Forumite
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    Good morning!

    Another early start for me, DD2 is waking at 5am every morning at the minute, so I thought I'd post before everyone else gets up.

    Yesterday was a quiet day for us, and an NSD :j

    The Food shop has been moved forward to today, as I had a couple of grumbles last night about the lack of selection. I explained that we were running the cupboards down, which OH agreed with, but thought perhaps it was on the verge of going too far - I've compromised.

    Planned spends for today - £40 for food shop (meal planned) and £5 for DD1 school fair. The only stipulation I have is that she avoids the second hand teddy bear tombola (We have enough toys!).

    Although very little was done yesterday in the way of making extra income, I did manage to get accepted for a free trial of mayonnaise :rotfl: We eat it anyway, so we'll get a free bottle in exchange for feedback and a small reward - it all counts!
    2021 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £39,768.45 Part 2 Starting Balance £101,997.88 currently £101,469.31 (as at 20/04/2021)
  • edited 4 July 2019 at 5:47AM
    NeedhelpsavingNeedhelpsaving Forumite
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    edited 4 July 2019 at 5:47AM
    Good morning!

    Again, I was up bright and early with DD2. I've spent the time going through yesterday's receipts and reconciling my spreadsheet.

    Yesterday was 'spendy' if you saw me out and about, but was not 'spendy' in terms of money - I was £9.27 over budget ... let me explain ...

    - £41.27 spent at Aldi (£1.27 over budget, as I forgot we needed tea bags).

    - Returned a pair of shoes to N3xt (wedding related, so not from everyday budget). They are my shoes for the day, I bought 2 pairs to try for size, and returned one yesterday.

    - I 'bought' 2 sun creams which we needed for summer from B00ts and got the free cup for DD2. Paid with points, so no spend actual monetary spend there.

    - I found a Starbucks gift card when I was going through a cupboard the other day - I checked the balance and it had £10 on. So DD2 and I had lunch out. We don't really go to these places any more, so I dread to think how long we've had it? I think it may have been an old gift?

    - Bought niece a 1/2 price outfit for xmas gift - £8 (not budgeted). This was an unplanned spend which I am struggling with. I usually spend around £15 each on my nieces and nephews and have gotten some cash/gift card only requests from my siblings for them, which I have done in the past, but I also want to save money for our future, so I think I'm going to break the rules this year and buy them things I see at the best price I can get. For some reason this has really been playing on my mind over the last 12 hours?? Weird.


    Anyway, today is the day of sales listings (I've been really procrastinating about doing this, but I'm going to pull my finger out and get on with it).

    Have a great day wherever you are! :)
    2021 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £39,768.45 Part 2 Starting Balance £101,997.88 currently £101,469.31 (as at 20/04/2021)
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