Mrs S…on the road to financial freedom

greent

I've just found your diary - welcome to mfw  

We had almost a year where all we op'd each month was 5.94 - which was our mtge payment rounded up - it was important to me to still OP, however small it was - it does all add up  

Glad the date went well

savingholmes

Great news on the refund. Well done on the weight loss. 

On the tiles - My tile paint is also wearing off - 2 years on which is a bit disappointing. It only seems to be around the bottom edges where they get wiped more - mostly near the sink and the hob which I suppose is understandable. I'm worried I may need to repaint the lot though. Ah well!

MrsSave

I ended up using Wilko one coat tile paint for the kitchen tiles at the weekend and it looks so much better. It’s the last day of the latest food week and I have £3.85 left in the pot so I’m really happy with that. I could do with picking up milk today rather than waiting until tomorrow but that will still leave just over £2 for this week. This has been my best food month in ages!

I have cashed out on some surveys so have managed to add £25 to my savings and have £12.29 to overpay the mortgage. I tried to overpay earlier but the site is down until 7am. I’ve updated my signature with the new figures.

I decided to add an extra hotel night as part of my week away with the kids next month as it would be a lot less stressful than trying to get to the ferry terminal on the day. We are quite a distance away and it would otherwise mean leaving at 6/7am ish and hoping for no holdups on the way. I am booking a Premier Inn that’s only a couple of hours away. Breakfast will be £9.50 for all 3 of us as up to 2 children can eat free with each adult. We won’t travel until evening and will probably find a McDonalds for food that evening so won’t be too bad cast wise. I’m taking porridge pots for when we go away so that will sort breakfast most mornings and save a few £££s.

I’m taking the kids to the cinema today to watch the new Minions film. I used Meerkat movies so had 1 free ticket. I think I have enough snacks here to put together enough for the 3 of us so no spending on cinema treats. If not we will stop at the supermarket on the way to pick a couple of bits up.

I missed most of the heatwave as I was working. I think it was the best place for me though and managed to keep the house quite cool (but dark with curtains closed!!). 

Aimingforthegoodlife

Hi Mrs Save, sounds like you have a great plan and budget in mind, any OP will make a huge difference in the life of a mortgage, no such thing as a small OP! You do so well with your food budget, I am pants in this area and food shops and adhoc shops are one of my biggest downfalls! I love that you have a holiday pot, it is so important to be able to still do fun things!

savingholmes

I found tile paint made a huge difference in my kitchen. Just keep a watch out near your hob and sink - as 3 summers on - mine is starting to peel there. I keep the tin though so will just try and peel the tile off evenly and then recoat at some point.

MrsSave

My mortgage payment for August has gone out and the interest added so I’ve updated my signature. I’d love to overpay £66.19 this month to get it down to a nice round number. I’m setting that as my August challenge!

July was my best food shop month in a long time and I stuck to budget. I also had just over £20 left for the from the first August but I’m going to keep the majority in with this week’s food budget because I currently have covid, feeling pretty rough, and today’s food delivery has ready meals and things in to make my life a little easier over the next few days. This means I will go over my £75 budget for the first time but it’s definitely worth it and being on top of my food budget means that I can go over and have the money there ready!

I’m still waiting for the deeds to be transferred, they said it would be around 8 weeks so hopefully by the beginning of September it will be complete.

juliejim

Hope you're feeling better soon.

MrsSave

juliejim said:

Hope you're feeling better soon.

Thank you. It’s pretty miserable and feeling pretty rubbish but I have heard that so many people are suffering with this variant. I’m hoping by the end of the weekend things will be a lot better.

Yesterday’s food shop came to £76.76. This left £23.22 in the food pot from what I had left last week. I moved £10 to the mortgage overpayment and have left the £13.22 in the food pot just in case (though I can't go anywhere so will only be if I run out of something and someone nearby picks it up for me….I should be ok though).

I then cashed out £5 from EverUp so also added that to the mortgage overpayment pot. I now have £51.19 left to find for my August overpayment goal. I can’t decide whether to send the £15 to the mortgage now, or wait until I’ve got the full amount.

greent

If your interest is calculated daily send it now

savingholmes

Hope you feel better soon.