Pay off mortgage and start having even more fun 😁

newgirly

Well dh is back to work today, it’s been so strange having him all over Christmas in his old job he was just always there 😆 I thought we would bicker but it’s been pretty good although very lazy. Usually we would go to York afterwards for a few days but decided to stay home and not spend instead. Aside from breakfast out one day we have done anything except a couple of cinema trips and have this still got the £210 we received in total for Christmas, which is helpful. We didn’t even make the zoo in the end as it was just too cold for motivation to happen.

I’ve just had a text from DIL saying will I be on standby for a show tonight (that I would love!) which was her Xmas present to ds2 as she’s not sure if she will go as she’s not feeling great. Will find out later, but I don’t go out much at all anymore, especially into central London in the cold ☃️ I think they can resell the tickets if they don’t go but I’ll pay for mine from the Christmas money if I do (hoping it’s not too dear 🤣). 

Yesterday I sorted through a load of clothes and re bagged them into selling or keeping for summer. It’s a lot of stuff 🙄  nothing worth much so it will be a long slog selling on vinted. I may give myself a six month time frame and then charity anything left perhaps. I’ve still got stuff listed from two years ago on there for £1 or so. Clothing challenge wise, I think I’ll try for 6 months on £50 (I’ve £53.38 in vinted today so will transfer £50 out, plus the either £30 or £40 primarni voucher I got for Xmas, dh bought it and it doesn’t say how much it is and he can’t remember 😆) I’ll revisit this half way through the year as I’m anticipating needing lots of new much smaller sized clothes by then! Wishful thinking perhaps 😏

 Budget wise I’ve settled on a six month plan, it’s hard to plan ahead but I need some sort of plan or I’ll just go well off track! 

TallGirl

All sounds very sensible and well done on a low spend New year must have been good for your DH to have proper time off for a change. 

As for Vinted it is annoying when things do not sell even a super low prices. Sometimes I wonder if it is worth selling as a bundle on Facebook Marketplace not I haven't done it yet. 

South_coast

If it's a physical gift card then you can usually check the values online

newgirly

I’ve tried selling bundles on vinted Tallgirl and offering multi purchase discounts, most people always seem to want one item though.

Thanks SC just checked it it was £30 😊

So the new monthly all in budget of £350 started on the 4th, I’ve already spent £45.93 on mostly stuff that’s not food - a great start 🤣

Went for a coffee with best friend yesterday and then last night went to see inside number 9 with ds2, they wouldn’t take any money for the ticket so I treated him to a water 😬 £7.50 for two plastic bottles of water 😱 it can’t be helped unfortunately. Then £9.60 on the tube, as well as buying four birthday cards and a bit of food. The show was great though, chilly out mind! 

newgirly

Right, time for a new plan for the new year which is subject to change if needs be, so I’ll plan for the next 6 months and update monthly. 




£1617.10                      Bills and DD’s including savings pots for yearly expenses  

£200.00                        Self funding holiday/sick pay pot 

£200.00                        High interest savings account for a year - to go towards holidays 

£120.00                         0% cc monthly payment 




£2137.10                       Total out Pm 

£2560.00                        Total in pm 

£1003.00                         Extra money from business Jan/feb/March only. 

£15,351                             Left  to pay for trips this year and one next year.

£7480                               Saved in premium bonds towards trips 

£2400                               Plus interest saved towards trips in high interest account as mentioned previously 

DEBTS:


£3304.55                           Virgin 0% cc - interest free until 22nd Nov 2026 

£9850.39                           NW 0% cc- interest free until April 2027 



So the plan is to pay for all the trips in the first half of the year:



 £15,351.00               Outstanding 

- £2400.00                from the high interest account come the yearly end date - sept last payment 

- £7480.00                 premium bonds 

-£1400  x3                 Jan/feb/March from wages 

-£422.90 x3               April/May/June from wages



So it’s zero budget accounting again, I’ve a personal spends budget of £125 pm in with the bills figure as well as the £350 grocery etc. budget, it’s going to be tight! 

newgirly

🩷🩷🩷🩷🩷🩷🩷🩷🩷🩷🩷JANUARY, MONTH ONE OF THE SIX MONTH CHALLENGE🩷🩷🩷🩷🩷🩷🩷

Target for trips £15,351 by June 30th 

So far in pot at end Dec £8080.00

January target £1600.00

Pay £120 minimum off cc’s 

Also I’m doing a low spend month by just using the grocery budget of £350 and not using my personal spending money this month, fingers crossed as it’s running away with me already 🤣

newgirly

Just been looking over what I posted last night, I feel a little better making a plan but it’s still quite worrying and big mortgage type figures! It’s easy to let the bigger worries and decisions overwhelm sometimes, so when this is happening (it currently is) I try and focus on the smaller things I can control and focus on. 

I’ve messaged the letting agents yesterday for info and to ask if we should reduce the rental price again. I’ve also helped dh sort out the gas/elec bills which he collected a pile of yesterday 🫣 I don’t get involved in any of it and really don’t  want to but I think I need to more now. My brother is coming over to do a handover of the accounts as we were paying him to do the day to day stuff previously. 

So in the spirit of motivation and being productive I’ll be making more to do lists again:



- Freeze the butter bean and chorizio casserole I made yesterday dh didn’t eat               

         

  

- Freeze the rest of the veggie curry he did eat as I put too much chilli in and I couldn’t eat it 🤣


- clear out and clean both fridges


- make Stilton soup for freezer - bought a huge block in M@rks for 80p! 


- clean 3 bedrooms and bathrooms 


-clear fourth bedroom a bit more of stuff


- prep and photo one binbag of clothes for vinted 


Thats it, should keep me busy instead of moping about fed up 😁

Mrs_Money_Penny

Sounds a very busy day x

newgirly

Well I must make lists more often as I’ve done 16k steps and not left the house today 😆 everything has been crossed off except that I didn’t do a bit more clearing in the junk room. Cleaned out the fridges and decided to use up the left over veg to make a Stilton pasta for dh as well as the soup, he hates sprouts but I managed to shred a few in the pasta 🤣 the house is now clean and washing put away, so I’m in bed early with a candle lit and a cup of tea watching tv, bliss! 

A sack full of clothes has been steamed and photographed, I’ve only uploaded about five items so far, I’ll keep adding a few every day as it helps to keep doing that bit by bit. Spending so far since he 4th is actually not £45.93 as stated before, but £53.63. I’ve not spent since that update but something else was pending. I’m out with  best friend tomorrow so that will go up again as it’s my turn in cost@ plus I need some fruit….

newgirly

Little bit of spending done today and now the total is at £68.20/£350. In good news however I’ve sold two items on vint3d, a broken Disney watch and an old jumper for a total of £24 🙂 I’ve added a couple more bits on tonight now so fingers crossed. 

Made some plans with best friend for her birthday next week, breakfast on the Saturday and cinema on the Tuesday which is great as it will be meerkat day 😀 

So keeping up momentum from earlier in the week here’s Fridays to do list: 


- Do all washing, a couple of loads probably 

- make a batch of lentil curry for me as I ruined the sweet potato one a couple of days ago…

- tidy and clear a bit more of the junk room

- pop round mums if she’s in for a quick cuppa, she’s always home since she sold her car 😏

- write and post great Aunts birthday card and post vinted sale from today

- sit and read, I never do this anymore and it’s time to start reading when at home not just on holiday, it feels like a luxury which is silly! 

- clear at least one draw somewhere in the house