mumof3.12kindebt - mortgage free by 40!

mumof3.12kindebt

Hello my beautiful diary friends,

I hope you are all well . It's pouring it down today.

I need to do a small food shop later.
Yesterday was a no spend day.

I'll update later with what I spent. I'll take a list and make sure I stick to it

I won't hit my savings target (about £80 short) I took two days off sick this month otherwise I'd of hit the target. I will see if I can claw back anything from August budget but it's already extremely tight so I'm not sure we will be able to. We will see.

Have a great day everyone

mumof3.12kindebt

I have some cash in my purse
So I've transferred £11 from aug bills money and what's left over from this month to the savings
Once I've transferred my wages for this month (paid tomorrow) we will hit our target for August.

mumof3.12kindebt

Hello my beautiful diary friends,

£4000 in the savings account.

Won't stay that amount for long as we have got an electrician coming on Tuesday as the wiring for the cooker it's strong enough so hopefully he can sort the electrics and get it fitted.

It's a beautiful cooker though. We went for a range cooker as I've wanted a range since I first had my own place ten years ago.

Work today . Was also a no spend day so that's a positive.

According to my goal tracker we only had 9 no spend days in July including today.

It was due to lack of organisation some days was just a bottle of milk

As of tomorrow. I'll be tracking all our spends throughout the month on my phone and all our no spend days and I'll be alot more organized about it. I'm going to aim for 15 no spend days next month. :money:


I hope everyone is well and has had a nice day.

I'm in the process of changing my routine in the hope I sleep better and can hopefully cut of the fags easier. I've had 3 so far today. But Im also using my vape more and more. Work seems to be my trigger so as off this weekend while I'm off im going to try really hard to just use my vape. Keeping busy will also help. Once the cooker is in I can do baking again with the kids which will be nice

mumof3.12kindebt

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

Second mortgage payment and the second overpayment went out today.

Work today. I'm feeling quite tired so I'm glad this weekend is my weekend off.

Have family visiting sunday.

Might go to the beach again tomorrow if it's dry and I'm not feeling too tired.

Fingers crossed today will be a no spend day .

Have a great day everyone . Will update later with how today goes.

mumof3.12kindebt

Evening everyone.

No spend day today. :money:

I'm so tired. Nothing else to really update

I hope you all had a nice day and have a nice evening .

Catch up tomorrow.

Love to all of you x

savingholmes

Well done on getting to #4K savings. Hope the electrician bill isn't too high. A range cooker sounds lovely.

mumof3.12kindebt

Thankyou Savingholmes .. hoping to get it above £5k by the end of the month.

Went to the beach yesterday , took food with us. Got back late so grabbed a burger king on the way home. So yesterday wasn't a no spend day.

But today was . My family came down to see us. They loved the house. And we took all the kids to the park was a lovely day . I also got baby cuddles my new cousin. First time I've held a newborn since the youngest was a baby. I was in my element

Nice early night tonight as I'm feeling quite tired not sure if I'm just tired or going through a bad patch. I'm being kind to myself

Have a lovely evening everyone

mumof3.12kindebt

Mortgage balance update

(As of 4th August 2019)

£122,877.15p

Overpayment total so far £66.70

mumof3.12kindebt

Thankyou for all the birthday love. I just realised I hadn't replied to some of you. I'm so sorry.

debtaghh

You are doing so well with everything. You are a true inspiration and whenever I read your posts it gives me a glimmer of light, thank you x