!!My time to be mortgage free!!

happymum37

Most expensive month yet. But myself a bit short with over payments!!!
Going to put £50 in our savings for pay day and then need to put £120 in husbands account.  I then want to quietly breathe for a week or 2 and possibly buy a new frock.  But I'm considering no zero club this month.  Need to start Christmas shopping. 
Gulp

happymum37

Arfff. 

Best laid plans and all.  £300 odd quid MOT bill PLUS it needs a new exhaust in the next month.  

So 

I am getting my hair dyed (it's urgent) and have bought 1 new frock. 

Saved £100 into the emergency fund.  I will now aim to save as much as poss so I can add to the emergency car / Christmas slush fund. 

No mortgage pay off this month I doubt . Will aim to put £100 into our premium bonds as well but I'm putting car slush first.  Arghh

happymum37

I meant no mortgage pay off in my Sept pay check 
The one I made the 1sept came from last months pay cheque

powerspowers

Ah bad luck on the car!
frocks are one of my downfalls as well, especially ones I don’t wear! Don’t get into this trap, wear it immediately 😂 

happymum37

powerspowers said:

Ah bad luck on the car!
frocks are one of my downfalls as well, especially ones I don’t wear! Don’t get into this trap, wear it immediately 😂 

Lol I also have this issue....and hide them from hubby!!!!

happymum37

Very quiet month financially.  Have huge after school care bill and need to pay for the car to get fixed.  Again 

Savings will be made the early October before next pay x

happymum37

Mortgage out tomorrow.  Plus the monster childcare bill.  Going to have to see closer to pay day what Octobers overpayment will be.  Christmas must come first x

happymum37

Seriously boring month financially. 
Paid off the mechanic and now have his insurance left to pay.   
Going to try to pay off the 81 for the zero club if it kills me before October 20th!
25 quid on surveys so I'm getting there!

happymum37

29 quid total from surveys
15 due cash back.

I'm not banking then took the 20th then will pay off mortgage.  Fingers crossed I get up to the 82 quid mark. 

Found out my overtime wont go in for this months pay. !!!!!!.  Never mind. 

Have house insurance to pay for and spending pennies for our weekend away in Nov . That and Christmas 🎄 😍 

I'm hoping by starting fairly early Christmas won't be too crazy... but we shall see. 

Desperate to get the mortgage under 40k for April but hubby wants to put a bit more in savings.  We shall see.

Money saving today :, made a plan to eat through the freezer all weekend.  It's full of the most random stuff ever so needs to be eaten. And should keep next week's food nice and low

25 win on premium bonds whoop. Reinvested

happymum37

Right. 
Got my lovely high pay check. 

Then the hubby started crying almost saying the mattress hurt his back.

So now I'm 600 quid down. And I have REALLY started Christina's shopping. 

So we have paid for a couple of pantos. And the mattress. About 50% if Christmas shopping done. 

50 quid in each child's savings

Tomorrow paying off the 80 quid to get mortgage to zero at the end club.!!

Phew. Lots of spending and then we cashed in some premium bonds so we have enough to cover us for Xmas and spending money on our weekend way next month. 

48 quid now on surveys to cash in

X