Pay off mortgage and start having even more fun 😁

newgirly

Hi kp, happy new year 😊

Of course you can ask! It’s just taken from my spreadsheet which shows how much I need to pay each month until it’s cleared in June 2025 (hopefully 😂) that’s this years 12 months worth.

I had to chuck almost all the veg my parents gave me leftover as it was rotten, the parsnips were fine so I’ve made curried parsnip soup in the sc which nobody fancies including me, who lunched on drumstick lollies and truffles. What is it about the week after Xmas which makes me eat like a five year old left home alone? 😆

killerpeaty

Happy new year! That makes sense. Is it a push to make that amount?

I saw something on Facebook earlier announcing that calories start taking effect tomorrow so you enjoy your 5 year old diet while you can!

newgirly

Yes it’s a massive push to pay that much I seriously doubt it will happen to be honest 😆

Happy new year everyone 🥳 just spotted £5.58 interest has been paid into an empty savings pot, a great way to start the year! Paid that into the holiday savings pot for April 😬 

Jessy103

Happy New Year NG! All the best for 2024 x

newgirly

Thanks Jessy , you too 🙂

We’ll I’ve tied myself in knots already and it’s only the 3rd 😂  The long and short is I’ve managed to buy ahead some birthday presents already and not used some of the birthday budget, I was hoping to create a surplus through the year of as close to the whole £200 pm budget but that’s unrealistic so going ahead I will try to use half the money allocated and find half of it, thus hopefully creating an excess of £1200 along the way as a cushion, I must admit this has caused me some headaches trying to work it out last night, but suffice to say : 

£275 presents bought leaving me £78.98 short in the current account 

£137.50 from January’s Xmas budget going to the Xmas surplus bonus pot 
£137.50 from febs xmas budget pot going to Xmas surplus bonus pot 

£78.98 owing the new current account has been cleared from the caravan saving pot (was a £100 pot)  plus £1 to saving a pound a day pot, then the remaining  £20.02 went to the cruise saving pot. It seems daft to be saving for the caravan trip which is after the holiday when we don’t have an enough for the first one yet. 

If we do save enough to still go we will and if not we will offer it to ds2 and wife, fingers crossed we will get there though 😬

Phew, it would have been easier if there were less birthdays in January and less sales to get stuff for later in the year, but it was things a I wanted to get anyway for them 🙂

Dinner yesterday was a homemade sc  red pepper and chilli tomato sauce with spaghetti (and meatballs for some) with just a small top up shop done in Lidl for a few basics. I went to the shops with mum and also bought the big clint@ns boxed xmas cards I wanted half price x 2 (£11 total) and 4x individual xmas cards for family in the card f@ctory with 75% off (£2.34!) and 2x birthday cards for £1 , plus got petrol and a £10 M&S gift card towards food for next Xmas. Total cc spend for the month so far £50.25 /£500 

themadvix

I'm not going to even pretend to understand your maths there NG, but I'm sure you've got it! 😂

daisy_1571

Make sure you keep stuff together in a box and a list in the box and on your phone so you don't rebuy stuff you already have or for people you already have bought for. 

No point artificially keeping money back only to have to spend more later in the year so use the present money this month as you see things.  You will find plenty months later in the year where you won't need to spend that months present money.

Daisy xx

LadyWithAPlan

I have loads birthdays end Oct to Dec which always means I hit Xmas shopping under prepared 

@themadvix oops on the encouragement to buy ! 

@newgirly you can’t really plan vintage shopping as it’s a pop in as you pass and see if the goddesses of vintage are with you kinda thing 
 There are a few things over the years I have never worn but that easily goes back to a CS - you would love my 2 double wardrobes

I also stopped eating like a 5 yr old Jan 1st and discovered I had pit on 4.85 lbs since Dec 9 so that’s my first goal

South_coast

themadvix said:

I'm not going to even pretend to understand your maths there NG, but I'm sure you've got it! 😂

Oh I'm so glad I'm not the only one 🤣!

themadvix

South_coast said:

themadvix said:

I'm not going to even pretend to understand your maths there NG, but I'm sure you've got it! 😂

Oh I'm so glad I'm not the only one 🤣!

You are definitely not... I never follow it, but if it works for NG and she needs it written down then I'll just nod along politely! She is a master manipulator of figures!