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
1343537394056

Comments

  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 7 October 2020 at 9:52AM
    Official Diary Update for the Beginning of Page 37!

    Family
    Me, Manwife, offspring x3 (Big Small 16; Medium Small 13; Small Small 10), cats x2, rabbits x2, chickens x2 (one of whom lays eggs, but is pretty much done for the year now I think!)

    Finances
    Bank Accs
    - 1 joint account into which gets paid: his wage (monthly, 23rd); my self-employed earnings (monthly, 23rd) - which is currently reduced and being paid by the SEISS; CB and CTC
    - 1 joint account for home ed expenses
    - 14 joint savings accounts: clothing, gifts, car, health, food, toiletries, cleaning, holiday, house, home, sundries, pets, entertainment, office - these are my virtual jam jars into which I put a certain amount each month and then dip into the pots to pay whatever comes under that umbrella
    - 2 individual accounts: spending money for Manwife and I
    - kids all have their own accounts: older 2 have mini current accounts, youngest has a goHenry account
    - 1 savings acc in my name only into which I save overpayment money (how have I not managed to list this in my last 2 official updates?!)

    Debts
    - 1 AMEX credit card paying 1% cashback which we clear each month
    - 1 mortgage, currently standing at £90644.71. Int rate: 1.89% until 2025. MF date: March 2043
    - £1105 on 0% finance for 12mos: 12 repayments @ £92.08 until October 2021

    Achieved since last update
    1. OP goal of £500: currently at £447.10 (89.42%) with just under 3 months to go to year end
    2. Blasted past 100 Prolific submissions!
    3. NEW FRONT DOOR! (and new window at the top of the stairs)
    4. Finished the painting in the hallway/landing around the new door and window.
    5. Started saving for a holiday next year (maybe?), and have a firm idea of where we want to go and what we want to do!
    6. Drawn out plans for new chicken accommodations. Ordered supplies which have been delivered.
    7. Started digging out the area for the new coop/run.
    8. New upright freezer and new Welsh dresser in dining room, after massive sort out of crap and pulling out of cabinets.
    9. Have started working again. It's slow going, very slow, but it isn't nothing.

    Current Goals
    1. Save as much as possible to OP on 29.12.20.
    2. Start on the new chicken coop/run area. Make enough progress that the hens can go in there together once they are both healed up.
    3. 200 Prolific submissions!
    4. List 1 item on eBay every day in October in order to clear the backlog of STUFF.
    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.
  • 🤞🏼For small small And 🥳for your birthday 
    CRx
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Thanks CR!! 
    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.
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Nando's and choccy fudge cake - birthday winner! 🎂🍾🍗🥧
    Hope you had a great day and Small Small is well.
    If it's not adding up, compound it!
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Grogged said:
    Nando's and choccy fudge cake - birthday winner! 🎂🍾🍗🥧
    Hope you had a great day and Small Small is well.
    She had perked up by about 5pm, and is feeling much better today, thankfully.
    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.
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Dinner today is spag bol, with the bolognese coming out of the freezer (lots of freezer meals this week). Listed 2 more items on ebay while it was cooking (SEEEE! @South_coast 😜) after I spied a shelf unit and an outgrown kids computer chair in the attic. That is today's item and tomorrow's item done and done! Wish it felt yay rather than ugh lol. Maybe it will by the end of the month...
    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.
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oof I have lost several hours today playing with a floor plan app! I loooove a floor plan! 
    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.
  • South_coast
    South_coast Posts: 5,830 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Listed 2 more items on ebay while it was cooking (SEEEE! @South_coast 😜)
    Don't worry, I'm watching!
    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!!!
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Listed 2 more items on ebay while it was cooking (SEEEE! @South_coast 😜)
    Don't worry, I'm watching!
    .......


    https://www.youtube.com/watch?v=RBs21CFBALI
    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.
  • South_coast
    South_coast Posts: 5,830 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I'm nowhere near as attractive as that 🤣!
    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!!!
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

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

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.