It won't happen overnight. But if I do nothing it won't happen at all. (MFW diary 5761)

seventh88

Hi everyone, 

I hope life is being kind to you. Here's my update as we slide into September.

Successes
1. I've been able to pay another £528 into the MFW fund this month, bringing the total to £4433 for the year. I can't quite believe I've stuck at it for so long, and that I've been able to overpay by so much. 

2. Renewed my broadband got a better deal by negotiating with my current supplier (thank you current supplier)
3. I have started C-word shopping (I know, it's so early, but it really does help me budget better when I do this, and it's so much less stressful...!!! I then have so much more time to bake gingerbread and read cosy books in the colder winter months!!)

4. Using the GoodBudget app continues to be helpful this year, I seem to have a good system going on with that. 

Challenges
1. Home/contents insurance due soon - will need to start looking for new deals
2. Since I hit my MFW target i have been thinking ahead to next year. I feel excited, determined and privileged to be continuing my MFW journey - and I also want to bring more novelty and adventure into my life too. I want to push myself out of my comfort zone a bit (I find this hard, I'm like a flippin tortoise, I'll do anything to stay in my shell...). So I'm starting to think of new things I could do, things I wouldn't ordinarily, that might help me grow, stretch and build my confidence too. Things that make me say 'wow, I never thought I'd be a person who did that' - but then I am!! I have a few ideas, and am open to low-cost suggestions if anyone has any? What have you surprised yourself by doing?

Thanks for your support everyone

seventh88

Hi everyone,

It's been a while since I posted an update, and I guess it's because I don't have anything new to say.

Successes

1. I'm still making overpayments, the total for the year is now £5832 which for me is incredible. It's far exceeded what I thought possible

2. C-shopping is done and I've stuck to budget

Challenges

1. I don't think there have been any in the past couple of months, thankfully. 

As we close in on the end of the year, I think I've got so used to making overpayments that it has become more engrained, just something that I will do. So it doesn't feel as difficult really. I still give myself wiggle room for other things. 

I hope everyone is well and life is being kind to you. 

sunshineli

I was just thinking of you yesterday and was tempted to post on your diary! Well done on the overpayments, that is such a fantastic achievement and you should feel very proud. Also well done on being so organised with your shopping! I must get on with this as I have barely started.

carboot_karaoke

seventh88 said:

Hi everyone,

It's been a while since I posted an update, and I guess it's because I don't have anything new to say.

Successes

1. I'm still making overpayments, the total for the year is now £5832 which for me is incredible. It's far exceeded what I thought possible

2. C-shopping is done and I've stuck to budget

Challenges

1. I don't think there have been any in the past couple of months, thankfully. 

As we close in on the end of the year, I think I've got so used to making overpayments that it has become more engrained, just something that I will do. So it doesn't feel as difficult really. I still give myself wiggle room for other things. 

I hope everyone is well and life is being kind to you. 

Congratulations on smashing your MFW target   

seventh88

Thanks @carboot_karaoke - I’m amazed but chuffed that I’ve smashed it! 

Thanks @sunshineli i do feel proud, I appreciate this space to share it because I don’t have many people i can share it with face to face, as most of my friends are in different situations. Ha ha, well the early c-shopping is a big shift for me after years of busy Decembers!! I’ve decided to finally be kinder to myself! Hope yours goes smoothly. 

Humdinger1

Marvellous  @seventh88! New habits are now embedded. You're going to have a fab Cmas.  Onwards and upwards love Humdinger xx 

seventh88

Thanks for your kind words @Humdinger1 you’re right, onwards and upwards from here! Wishing you a good Xmas too, when it comes around  

debtfreeoneday

Well done on your mortgage OPs

seventh88

Thanks @debtfreeoneday I’m still letting it sink in!