mumof3.12kindebt - mortgage free by 40!

mumof3.12kindebt

Hello my beautiful diary friends,
I hope you all had a lovely day .

Wasn't a NSD in the end.
Had to get some over the counter medication and some milk and yogurt from Tesco

£9.50 spent.

£5 medication
£1.50 milk
£3 on dairy free yogurt (for breakfast to go with granola)

Positive sides of today.
I've used our savings £4500 to clear our catalogue for the cooker and sofas we ordered (no interest) and it was cheaper than other stores as they were both in sale .

We ordered a cooker from somewhere else but there was a glitch in the site and they didn't have any and would be a 6-8 week wait. And we have already been without a cooker for abit. It wasn't any more expensive but seems a better one

So savings is currently £2200

Also I've requested mortgage payments of over £500 come off our term instead of lowering our monthly amount. (our mortgage provider sets the minimum of £500)
We are going to keep our £33 regular overpayment going. And any other money in an account and make a payment when we have the £500.

Reviewed the budget and I'm sure we can shave off £200 a month . Will keep an eye on our spending and outgoings and see if it's possible

Also council tax direct debit has been confirmed. It will go out the same day as the mortgage

savingholmes

Glad the website name helped. Keep going. Every little helps when it come to mortgage too.

debtfreeoneday

Well done with all you have achieved so far, awesome!

dawnybabes

You are doing fab.

Aldi have there gf event coming up very soon

mumof3.12kindebt

Hello my beautiful diary friends,
I hope you are all well.

Savingholmes, debtfreeoneday & dawnybabes. Thank you for the encouragement. As it gets closer to the end of the month it's. Definitely needed .

Early shift yesterday and today. Both times on the way to work had a phone call with my dad which was nice.

Two days off after today. Beech Tomorrow if it's dry (will take food and drinks with us)
Thursday we are going back to our home city to see family

I've been using my vape more and more. I think I'm going to try and be smoke free and vaping only by the end of the month (hopefully sooner) I've done it before so I know I can do it again. It's just wasted money at the end of the day.

Brought a present for a family member yesterday so wasn't a NSD £15 spent.

Saw a backpack I really wanted. But resisted buying it for a few months now

Need to keep a close eye on spends so we don't end up in the overdraft before the 1st (money shuffle day)

Our cooker will hopefully be here soon which will help as we have food in the freezer that we can't currently cook. But we have been using things up out the fridge and cupboards.

Hoping for a nice calm day at work.

Hope you all have a lovely day.

debtaghh

You have done so well. I've subscribed to your new diary x

mumof3.12kindebt

Hello again my beautiful diary friends ,

I hope you are all well and coping / enjoying in this beautiful hot weather we are having
Hugs and love to. Those that need / want

Thankyou debtaghh . We need all the support we can get !

Round up of today
Positives / things I'm greatful for
1. Good day at work
2. Kids and DP went to a family fun day double bonus it was all FREE !
3. Got given a dining table and chairs off neighbor it's much better than the one we had !
4. Started removing some of the kitchen cupboards ready for when the cooker arrives
5. I used my vape more than I smoked
6. Got the laundry dry on the line
7. Spoke to my dad on the phone
8. My plants are producing well
9. I don't feel tired for the first time in a while.
10. My mental health continues to stay stable
11. I have two days off now
12. My family is happy and healthy
13. I've been using social media as a positive - finding free local events & cheap meal pages to help us on our journey
14. DD tried spring onion for the first time the other day and now loves it :j

Negatives of today
1. Spent £25 in Tesco
2. My legs hurt quite alot today


Have a great evening everyone

mumof3.12kindebt

August target

Save £1800 (would bring our savings up to £4000)

savingholmes

Fab savings target and you lots of productivity too! Keep it up

mumof3.12kindebt

Hello my beautiful diary friends ,

Lovely dry day we are meeting family and friends at the park for abit instead of the beach. (will go to the beach in August)

Quick question

What would be a good savings target ?
I was aiming for 10k (about 5-6 months outgoings) and then smashing the Mortgage down but would like to start making a dent to the mortgage . Any help would be appreciated


Have a great day everyone

Catch up later