Our MFW Adventure!

in Mortgage-Free Wannabe
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  • NeedhelpsavingNeedhelpsaving Forumite
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    Good morning!

    So yesterday was an NSD as predicted :j

    Today is off to a good start - I had an ebay sale, which came in at £4.78 after fees and postage. The item was posted this morning and money has been sent to the mortgage.

    I'm currently doing some online work that I've not done before, so it's taking me longer as I want to make sure it's good quality. So over the next few days, it should net $50 total.

    I have 3 more clothing items to list for sale on the local selling page and will get that done today. A fourth item needs to be cleaned, so factoring this in with other commitments, that may well be listed tomorrow. I will put that one on local selling page and the Bay of E to get maximum exposure.

    Again, there are no planned spends for today (I'm not counting the ebay postage as it was paid for by the buyer), and we will be eating from the pantry. Here's to another NSD!

    Have a good one wherever you are ... and stay safe in the sun ;)
    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)
  • BennettxoxoBennettxoxo Forumite
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    Well done for reaching your overpayment goal!


    Subscribed so I can follow along and stack up some money saving ideas for when we start our own diary(hopefully very soon if all goes well with getting our mortgage offer)!
    MFW 2020 #71 £393.45/£1215
    Mortgage start: £121,500 Dec 19
    Emergency Fund: £3000/£3000
  • NeedhelpsavingNeedhelpsaving Forumite
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    Good Morning.

    Thanks for dropping in Bennetxoxo - Fingers crossed your home move goes quickly and smoothly!

    Yesterday's NSD didn't quite happen - OH took DD1 to go and buy some ice creams (a bribe for getting her to keep learning to ride her bike yesterday) - he came back with two bumper packs from the land of Ice ... 36 cornetto type ice creams! :rotfl: His response was, but it was £6 for 36. So we have lost the bottom drawer of the freezer to ice cream ... we were all grateful for them yesterday, but 36??? :rotfl:

    I also spent £24.50 at Wilko online - I've been looking for some bits to finish the kiddie presents for wedding and took advantage of their back to school offers for colouring pencils/crayons and 3 pretty notebooks for my nieces. I then topped the order up with some washing powder and new pegs to get it over the £20 minimum spend mark. So £6.50 from grocery budget, £18.00 on wedding bits. All of the kiddie presents are finished (although we are awaiting for one RSVP which contains two children, so I may have to go and get something at a later date).

    Today, I am taking DD1 to look at new school uniform. All budgeted for, shoes and PE pumps will be left until later in August ... I can't face the shoe shops just yet ;):eek:
    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)
  • savingholmessavingholmes Forumite
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    Good luck with the school shopping. I thought with DD going to sixth form it would be cheaper but she needs about #120-140 of stuff for for the coming year - text books and a study guide!
    Target 1) Clear CC debt - £1707 to go (but debt neutral) @ 0% Target 2) Lose weight & get fit 3) Write regularly 38113/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 262 payments to go. Now £200720. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £187 including tax relief
  • TahlullahTahlullah Forumite
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    Are you still eating the ice-creams??
    Still striving to be mortgage free before I get to a point I can't enjoy it.

    Owed at the end of -
    02/19 - £78,400. 04/19 - £85,000. 05/19 - £83,300. 06/19 - £78,900.
    07/19 - £77,500. 08/19 - £76,000.
  • NeedhelpsavingNeedhelpsaving Forumite
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    :rotfl: Hi Tallulah ... yes, we are still eating through Mount Ice Cream!

    I'm back after a couple of days away, we had a pretty busy weekend and needed yesterday to catch up on the household chores.

    There has been movement in the accounts over the weekend;

    - £32.45 on 2 birthday presents.
    - £77.46 on weekly shop and some bits for the house.


    I've only managed to OP the mortgage by £1.12 since last week, so I need to get a shift on with things. Actions taken;

    1. I'm over half way through the online work I have to do, I have set a deadline of Friday to get this completed.

    2. I have reviewed the current items listed for sale online and have reduced prices/revised titles and descriptions.

    3. I have cleaned and photographed 4 more items, so will list those tomorrow.

    Getting back on track this week.
    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 x

    So this week hasn't got us back on track - DD2 has been ill, which I have now caught, so most things have stopped (bar the essential commitments) to give cuddles/rock to sleep etc.

    As a result, I am acutely aware that I have gone over budget for this week (top up shops ... biscuits, sandwich fillers etc due to poor forecasting). Just typing that on a money saving website feels sacrilegious!

    Positives
    1. I have stuck to meal plan, despite the temptation to grab something while we were out for an easy life.

    2. I have continued to take DD1 to free activities.

    3. I have continued to support an older relative, despite a chaotic week.


    Things to do
    1. Reconcile accounts.
    2. List items for sale.
    3. Make cakes with DD1 for today's low cost activity.
    4. Meal plan for next wweek and make shopping list.
    5. Look for more items to declutter (feeling overwhelmed again ... that's usually a sign that I need to look at things in routine/house).
    6. Finish online work.
    7. Get on top of surveys.
    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 10 August 2019 at 3:10PM
    NeedhelpsavingNeedhelpsaving Forumite
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    edited 10 August 2019 at 3:10PM
    Good Evening. I hope everyone is well.

    We've been AWOL due to life having thrown us a couple of curve balls ... too much to go into online (plus we'd like to keep some element of privacy).

    Needless to say, budgeting went out of the window for a short while and we fell into survival mode for a time. I sat down last night and went through the bank statements and ... (drum roll please) ... we're almost over budget.

    As such, I have decided to put the mortgage OP target on hold and focus on just keeping us out of the overdraft until the next payday.

    Aims;
    - Make/accumulate £150 to get us to month end.

    Progress so far;
    - £20 from a family member for recent petrol costs (contribution).
    - [STRIKE]Ebay sale to be posted tomorrow[/STRIKE] DONE
    - [STRIKE]I need to look into how to get an Ebay sale charge reversed after buyer no longer wanted the item and refused to go ahead with the purchase. [/STRIKE] DONE
    - Had an extension on online work, so MUST get that completed this weekend.

    Positives
    - Gifted some new clothes for DD's
    - Gifted a bunch of flowers for helping someone out
    - Gifted some treats for DD's
    - Invited to go for lunch at a friends tomorrow

    We'll get there 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 10 August 2019 at 3:15PM
    NeedhelpsavingNeedhelpsaving Forumite
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    edited 10 August 2019 at 3:15PM
    £150 target to keep us out of overdraft

    £20 from family member
    £10 of vouchers cashed out from survey site
    £4.56 from an ebay sale (after fees and postage)
    £2.98 from current account

    £37.54/£150
    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 afternoon!

    Today has been spent at home, we had some visitors this morning and OH has taken the girls out to visit his parents this afternoon, so I am taking the opportunity to list some more bits onto ebay and shpock.

    The aim is to get us to the £150 keep us out of overdraft target. I have items still to list, but my phone needed to go on charge for a few minutes first, so I thought I would jump onto here.

    I have also photographed any receipts I have come across and have uploaded them to receipt hog.

    In other news, my hairdryer has given up, it overheated and started to make a burning smell before refusing to turn on again. So, that will need to be replaced. It's not urgent, as I can tie my hair up, so I will try to add some more Amazon vouchers to my account (currently at £10) to purchase a new one.

    I'm taking the view that it's how I deal with situations as opposed to being bogged down by the issues themselves. I've been listening to a audiobook about how to reduce/remove judgement from our lives, as well as reading a book about having a millionaire mindset. It all plays into some bigger goals I have about self development and financial education :money:

    Right, I'd better get back to listing before I falling into the abyss of the internet :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)
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