I can see the light at the end of the tunnel, now my saving journey begins!

shell16

Ive renamed my Starling Savings Pot to Mortgage Overpayment Pot where I will save up any overpayments until at such a level I can make a bulk payment. That pot wasnt really for anything and made sense to use for that purpose.

Shell x

EssexHebridean

We too had a savings pot entitled "mortgage overpayment Pot" Shell - and we now have the same account but renamed as "The Account Formerly Known As…"(The Mortgage OP Pot, naturally!) it still gets a chunk of money monthly - at the moment that is being transferred across to the new house pot each month. Almost looking forward to changing it back to the OP pot again in a few months time (hopefully!) and having that challenge to get my teeth into again!

shell16

I agree it just makes sense to use this now as my next debt to tackle even if its little bits.  Im feeling a little uneasy as our Mortgage deal is set to expire either June or July (I should know this!!) and Im worried about what the interest rate will be.  We have been with V Money for our mortgage the last 10 years as they had the best rate at the time, we should be meeting with our financial advisor soon to discuss whats about.  Really tempted to just fix for 12 months and hope the rates come down by next year.

Weekly Cash envelope reset day tomorrow, went to local shop for a few bits this morning and nothing more needed so have emptied early.  We have done really well this week and have £41.88 left from grocery and £20 left from Fuel so total £61.88.  I have split this several ways:

• £1.88 to Penny Challenge
• £5 to Monthly Saving Challenge
• £45 to Holidays
• £10 to Christmas

So pleased I moved to weekly cash budgeting on several spends!

Thats about all for now
Shell x

shell16

Morning

Not alot happening today, its the 1st anniversary of my dad passing tomorrow so will be super hard (in all honestly hard today too as I remember exactly what I was doing.  We are off as a family tomorrow to the hospice where Dad was to make a family contribution (cash), plus they have a lovely book they write in when a resident passes, and then turn the page every day.  That will be hard too.     We are thinking of having a leaf added to a Tree they have in reception engraved with Dads name so we can visit and reflect at any time.  The Hospice is just round the corner from where mum is now.

A very small Save the change today and sent £1.41 in total, split the £1 out towards the mortgage overpayment pot and the change to the SPC, as they say every little bit helps!  Prolific very slow at the minute, Nearly £3 cleared with just over £5 pending.  As soon as cleared will send to Mortgage overpayment pot.

Have a great day, and enjoy the extended weekend!
Shell x

~FlowerPot~

Gentle hugs for you today and tomorrow, its never easy so be kind to yourself and allow the emotions to come through if needed. Adding a leaf to the remembrance tree soundslike a lovely idea.

Flowers x

KajiKita

Sending sending two lots of hugs for the anniversary; both today and tomorrow.

KK

shell16

Thankyou so much @~FlowerPot~ and @KajiKita for your very kind and welcomed words today, I really appreciate you taking the time to post! 

I have managed a prolific cashout of £5.62 and split £5 to mortgage overpayment pot and 62p to SPC.
Shell x

LittleMissDetermined

Thinking of you at this difficult time of year. It’s nice that you’re marking the day as a family tomorrow and honouring your dad’s memory with the engraved leaf

shell16

Thanks LMD, really appreciate your kind words xx

shell16

Morning All, been AWOL recently!

Just a very quick update from me.  £165.39 left from the months budget which has come from various categories/Weekly cash envelopes due to my payday tomorrow and Hubbys on Friday.  I have sent the leftover to the following:

£10 Dental, £50 Half term, £80 Holidays, £10 to Monthly Saving Challenge (save £50PM), £10 to Xmas 23, £3.14 to Penny Saving Challenge, £2 to mortgage overpayment and finally a little 25p to SPC.
Shell x