Our MFW Adventure!

Needhelpsaving

A busyish weekend here, as I finally stopped procrastinating about some small DIY jobs I had been putting off and got on with them. I used stuff we already have and felt so much better once they were done. 

£3.10 spent today on parking at the hospital for an appointment that required me to attend (instead of a phone consultation). I did pick up some food bits on the way home, but will do the next bigger shop on Wednesday as I will also need to get DD1 a birthday cake. 

Nothing else to report, just staying at home as much as possible. I hope you're staying safe wherever you are. 

savingholmes

Happy Birthday to your DD. I was so pleased at the weekend to get some Betty C devil's food cake mix and icing and silver balls. Both me and DD have birthdays in May and it seems unlikely that we will get to M&S for our usual cake.

Needhelpsaving

Mmmm - chocolate cake  Happy birthday for you and your DD for May, we hope you enjoy your birthdays, it's amazing how the kids have adapted to having a quiet birthday and not really seeing anyone, they're used to full on fuss on a birthday 

Needhelpsaving

Pay day tomorrow! Whoop!
I'm an unashamed geek about money shuffles 

Yesterday OH and I spent a few minutes looking at money and planned what our payday shuffles will look like, we have 2 main goals at the minute - 1. Add £348.28 to EF to bring us back to a round £10k   2. Pay any spare money to mortgage as an OP. 

I also spent some* (*a fair bit  ) reading other peoples MF Diaries. I love that we're all going about mortgage freedom/financial independence thing in such different ways, it just shows that no matter your goal, there is no one size fits all way of getting there. Onwards and downwards!

savingholmes

Well done on the EF. I do wonder what life will look like in 5 years time when I was hoping to semi-retire. It is hard to imagine life beyond this crisis at the moment. Just hoping we all keep our jobs... 

Needhelpsaving

Thanks for stopping by SH - fancy a brew?  

Funnily enough OH and I were talking about this last night while we were watching ML. I think it has come as a shock to many of us just how precarious our situations can be. We don't learn about money and as a society, we don't talk that openly about it. I think that while many people will struggle in the short term, I hope that in the long term, for many of us it will change the way we look at debt as a society. I was bought up in the 90's when everything could be bought on HP or credit cards and it was seen as an extension of our household income. It's only as I've grown older and found sites like this promoting Financial education that I understand the danger of them, as well as the benefits. 

We have certainly reviewed our goals for 2020 in that the mortgage payoff has become our focus. 

Yesterday was an NSD and today will be too, I will grab some milk tomorrow as that is running low. Earlier in the week I bought baby a moses basket that was YS at Asda - it is a bit scuffed on the bottom, but otherwise fine. We've also bought a travel system second hand from a family member, we know it has been looked after and offered a fair price for it, so both parties seem to be happy. We've not gone wild, but just making use of the opportunities that have arisen.

Needhelpsaving

Payday money shuffles made. EF now at nearly £10,100 and Mortgage OP was just shy of £700. We're pleased with those payments and it keeps us moving towards our goals. 

savingholmes

Sounds fabulous

Needhelpsaving

Aaah - We've changed our minds again ... this years plans are being revised and changed constantly at the moment. So, we've seen a lovely house online (which I fully appreciate may not be what we're looking for in RL, but its has re-ignited our desire to move home and it is in a beautiful area). 

As our emergency money only needs to be about £8,250 to cover 6 months of expenses, we have moved £2k to the mortgage, as the rate is higher than what we could get on our savings account. The £8k would also give us some money for home moving expenses if we did take the leap once the market is moving again (i.e. you can actually list a house and view someone else's). 

Who knows, there may be more twists and turns along the way, but we're heading in the direction of our long term goals still, so taking a slightly different route to the one we anticipated isn't a problem, as long as we're going where we want to in the end. 

savingholmes

Life is full of twists and turns. Best of luck whatever you decide.