Spendy Wendy to Saver Savvy

Spendywendywoo

Wow, almost 5 months of not posting…it's been a busy time. It doesn't mean that progress hasn't been made…

Summary of updates;

• New role is crazy, not too busy but I'm doubting myself a lot so that's taking a lot of energy and time…also, the team I am working in isn't led particularly well, there's a lot of initiative and self motivation needed
• Overpaid on our mortgage at the point of remortgage (7k) and reduced the term by 9 years. Now paying what we was paying before (including overpayment) but much less years left (19). The plan is to overpay and reduce further when the 5 years fixed term is over, ideally just to a remaining 5 years (meaning we will have taken 18 years off the mortgage if we manage it)
• Currently have £1,937.09 saved which covers the sinking funds to the end of the year (overestimated for some items such as uniform and school trips but I feel this is better then underestimating and being left short, any surplus will move into the EF and savings)
• Currently have £3,162.91 in EFs out of a desired £12,600
• Upped my pension by a further 3% so now, with employers contribution, paying in 19% each month (early retirement is the aim)
• Started a credit union fund this month which is taken straight from my wage (£300 a month) which we will try not to touch, unless absolutely necessary (husband does the same and has a fair amount in there but we dip into it sometimes for renovations or remortgage overpayments, if absolutely needed
• I'm still faffing with my diet and have lost 0 pounds, in fact I'm eating more now than I used to do and doing much, much less exercise! :(
• Reading hasn't been a priority recently but with travelling more with work I have managed two books recently and have two books on the go

I think that's it really in terms of big updates. Personal life has been very busy and now with the school holidays to contend with…

Today I have done an inventory of the kitchen fridge freezer, and the chest freezer in the garage as both are fit for bursting, and have used Co-Pilot to pull together a list of meals - most of the meals are quite unhealthy as there is a lot of ultra-processed foods in there but there is also mince, chicken, salmon, cod and a lot of meal prepped meals that we haven't used up (chilli, curry, soup etc). I think I'll pull out a veg soup for tomorrow and pair it with half a garlic baguette (DS will have the other half as a snack, thankfully he does a lot of running around and sports).

Hope all is well and I'll be accepted back after such a long time,

Wendy x

Sun_Addict

Hello stranger, welcome back 🙂

Rhyddid2026

Nice to see you back and doing well.

Spendywendywoo

thanks @Sun_Addict

thanks @Rhyddid2026, you’re doing amazing with your debt repayment ⭐️

Spendywendywoo

Early start this morning, feeling incredibly overwhelmed as it’s been a very busy few weeks and woke up very emotional for some reason. I’ve journaled this morning which has helped. I’m questioning my work choices as I’m just not enjoying the work (but does anyone actually enjoy work?!). It’s so difficult to know what to do for the best, isn’t it. I must remember that I’m an adult and I can change my mind and/or direction at any time.

Super glad it’s Friday! I have a plan for the day and getting up early has only helped that by giving me more time (may be flagging by dinner time though).

Top 3 to do:

Read book for 30 minutes with a coffee

30 minute walk (might make it outside this morning as the weather is cooler)

2l water

Food plan:

Toasted bagel and fruit

Veg soup and half a garlic baguette

Buffet dinner as we are at a function tonight

I hope everyone has a great day,

Wendy x