Hurrah, my MFW quest has started

abouttimetoo

abouttimetoo wrote: »

The only bright - but ironic - bit at the moment is I got a tax refund of £182. For those of you who have followed my many tax woes you might just get how astounded I was at that

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A further positive update on the tax situation. Once the refund arrived they sent out a new tax code, I checked it all very carefully of course and it was right but the side effect of the last two years problems all being resolved is that the right tax code means I get the right salary! I'm now getting £107 more per month than I have been for nearly two years. How lovely, of course this just pretty much takes me back to the salary I 'thought I had' before the problems came to light. Nonetheless, that 'increase' a month is not to be sniffed at

abouttimetoo wrote: »

Just got my gas and electric bills in for last month, the gas was £26.47 so slightly up on last month but I won't compromise on being warm. The electric was £11.69 but is still £37 in credit. The credit is due to them cocking up the last refund and putting my monthly DD up to £18 so will have to do something about that

This morning I have made £10 in free money, one a £5 gift voucher for a restaurant I use quite a bit and like (just had to do a quick survey) and another £5 which is a credit to my Amex card for linking it to TripAdvis0r and writing a review

Well I decided to not ask for the electricity credit balance as a refund as it all went wrong last time, so, instead I've reduced the d/d by £5 per month to £13 so happy with that and it still projects that Ill be a small amount in credit in 12 months time

Had a nice time spending the £5 restaurant voucher and the Amex £5 was credited with 48 hours of writing the review so that was good.

I've switched my spending back to Amex for a while as they have improved cashback offer on between now and February; don't have the details to hand but think it was something like 1% on £5000 and with the things i'm doing in the house I will easily spend that :o

Regards
ATT

abouttimetoo

Well today is a NSD for me which is good! Had a lovely couple of hours in the kitchen earlier doing some batch cooking for the freezer. I had planned to return to more batch cooking after lunch as I wanted to make a curry and some soup as well, however, I forgot that I had made double quantities of some things earlier on which means that I've run out of freezer containers an freezer space Oh well, will have to wait a few days until I've eaten some of it up and then get on making the rest

I visited Mr A's yesterday and got a big haul of veg and tinned tomatoes and chick peas. I'm also trying their meat for the first time as I've heard good reports and so far so good. Spent £19 odd in there which i'm pleased with

Actually, having just said today is a NSD I've realised that isn't quite true as just placed a large MnS order. I'm sure lots of it will go back but I had the 20% discount code and did it via TCB so whatever I keep will have been done relatively MSE. The order did also included a few gifts so not all for me

My mother is in the kitchen making lemon posset, hmm, that will go down well with a nice coffee later on, nomnomnom

What a nice lazy, semi-productive day, so disappointin that to-morrow is Monday

Regards
ATT

HelenDaveKids

I need to some batch cooking, just cant seem to energise myself at the mo.

abouttimetoo

Hi Helen

Thanks for stopping by, I know what you mean and I haven't done any for about three weeks, I've been so busy and kept telling myself that there was enough stuff in still to eat but as of Friday the Freezer was bare so I really had to do something about it

Just 'potted' everything up, very satisfying looking at all the containers stacked up

Regards
ATT

HelenDaveKids

Yes, its a great feeling. I will... I will do some (although will struggle this week).
We have had some rubbish meals recently due to not being prepared and getting home and needing to be at some activity shortly so quickly shoving stuff in. It adds to a stressful week.

I do, when I cook, try and do double and either create a slightly different dish for the next day or just freeze.

abouttimetoo

Gawd, just realised I've not even updated my signature since September :eek:

Just done it now and good to see that I've also broken through the 20k repaid barrier on the repayment part. I'm going to miss my OP target this year by a mile but the money has gone on house and car this year and things that needed to be done. I think i'll only be able to manage another £100 OP next month and that will be me done for the year.

Regards
ATT

misscousinitt

Hi ATT

You may have missed your target, but you have still done incredibly well - life gets in the way sometimes hehe.

MCI

abouttimetoo

Hi there everyone, found myself down on page 17 :rotfl:

Hope you all had a fab Christmas and a belated Happy New Year to you all

Just busy working on this years budget but for now a quick overview of 2013 numbers below

2013 opening balance/closing balance/reduction

Repayment: 75,646/71,823/3,823
Interest Only:65,027/60,610/4,417

So an overall reduction of £8240 with only £4281 of that made up of OPs which is the least amount of OP's for some years now

So where else did the money go then

• Car £6,000
• House/home improvements £6,000
• BTL £1,500
• £2500 to NW 5% Flex account
• Other stuff I can't remember

All expenditure taken from saving so no debt acquired

Will pop back soon, off to get a cuppa

Regards
ATT

abouttimetoo

misscousinitt wrote: »

Hi ATT

You may have missed your target, but you have still done incredibly well - life gets in the way sometimes hehe.

MCI

Hi MCI, apologies for the belated reply, how right you are about life getting in the way!

Thanks for the nice words, I do try to look back at what I've achieved but it's all to easy isn't it to look at how much I've missed the target by. That said I'm really pleased that all that expense came from savings.

Hope your own plans are going well

Regards
ATT

abouttimetoo

This post is for a quick review of progress since I first got the mortgage and joined MFW rather than just 2013

Mortgage opened Jan 07, MFW started March 08

• Mortgage start balance £190k, average daily interest £30.04
• Current balance £132,433, average daily interest £1.86 (lots of help there from BoE reductions rather than all OP's!)
• Overall Reduction = £57,567

My MFW date is 1/8/18 so only 56 months away. £132,433 divided by 56 is £2364.87 a month, so that's a figure to focus the mind

Regards
ATT