We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Returning to MFW, my elusive unicorn!
Options
Comments
-
(Not something I ever thought I would find myself saying....)Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!1 -
Grogged said:If I take my glasses off they look like owls...
Especially lefty.
Luckily being coop up in home doesn't appear to have affected me...
...yet! 😂😵😂South_coast said:Ooh, what pretty chickens 😀❤Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.2 -
South_coast said:(Not something I ever thought I would find myself saying....)Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.1 -
coldcazzie said:South_coast said:(Not something I ever thought I would find myself saying....)MFW - #133 - 2020 Challenge - £1230.67 / £1159
MFW - #133 - 2021 Challenge - £1328 / £1270
MFW #56 - 2022 Challenge - £325.35 / £1296
Mortgage began Jan 2019 - £115,900
Mortgage Currently - £105,1600 -
regularsaver said:
I for one am getting on top of house and garden jobs, sorting and organising both physically and digitally which I often never get round to and of course reviewing finances etc.Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.1 -
I think some places are still open for click and collect - might be worth investigating?Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!0 -
Yeah could be. In times past we would have borrowed a trade card from a friend of our next door neighbour and gone to the nearest builders' merchants, but he very sadly died suddenly last year (the friend, not our neighbour - she's still alive and kicking).
Our neighbour on the other side had a tonne of topsoil delivered yesterday morning so there's definitely still some stuff ticking over.Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.1 -
The Manwife™ went to Ald1 and Tesc0 today for some shopping - spent £14 in the former and £18 in the latter. He came home and grouched heartily at me about the difference in prices, so I think he's onboard with the switch
thus far we are half way through the CC month and about 43% of budget.
Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.1 -
Got to the end of your journal. 😀I too thought your chickens were owls at first. 😂
Re business finances: little and often is the best way. I have VAT to deal with also and have discovered FreeAgent software over the past year which is free with my NatWest business account and is easy to use, calculates VAT, profits, corp tax, runs payroll etc.2 -
V8D said:Got to the end of your journal. 😀I too thought your chickens were owls at first. 😂
Re business finances: little and often is the best way. I have VAT to deal with also and have discovered FreeAgent software over the past year which is free with my NatWest business account and is easy to use, calculates VAT, profits, corp tax, runs payroll etc.
I hadn't done my business finances for about 5 weeks I think. I am usually on it, but the Weirdness has meant it's fallen by the wayside. It's done now anyway, and it's not like I have a multitude of things to distract me so I envisage my tax return being done on the 6th or 7th of AprilI have yet to earn enough to pay tax. I don't even earn enough to pay compulsory NI contributions - I pay them voluntarily and even those I technically don't have to as I'm still in my post-child-exemption years.
Daft as it sounds, earning enough to pay tax is one of my life goals! It's just taking me bloody ages to get there - the joys of teenage parenthood, followed by uni student parenthood, followed by home educating/self-employment in a field that is impossible to get rich in.
Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards