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MFW, What small thing have you done/ will you do today?
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I have managed to persuade my 13 yo son that a pack up is better for him than buying lunch at school so that saves me having to give him £2.50 a day - £15 a week!!!
I was so please that he agreed to do this that I promised him some Rockport boots for school - luckily I found some on Amazon for £28 - bargain as they are normally £100ish!! I pointed out to him that having a pack up for two weeks has paid for the boots and he seemed mightily impressed!! Told him that any spare money I have left over each month goes into the mortgage account to pay it off earlier and he seemed happy with that!!MFW 2011 challenge - Aim: Overpay £414.26 a month/£5,000 a year. Overpayment Total to date: £414.26:jMortgage start 28/9/07 £46,217.00 :TMortgage balance as of 25/05/11 £24,490.58 :T
Interest saved as of 25/05/11: £2,849.84 Projected term reduction as of 25/05/11: 9 years 11 months0 -
I'm so glad to see an MFW version of this thread.
Today I have:
- made my own lunch so no spending £3 for Boots meal deal
- spoken to my best friend to explain how to turn my hot water on for me so I can turn it off while I'm on hols for the next couple of weeks and he'll turn it on again the day before I come back (it's economy 7 and the daytime booster doesn't work so usually I leave it hot while I'm away so I can have a nice bath as soon as I get back).
- I'm currently making rolls for lunch for the next few days.
- have decided that I don't need the nice dress I saw in New Look at the weekend so won't be going back to buy it tomorrow as I'd planned.
- Made sure I was online at 8am to enter the Glamour competition in the hopes of winning something I can sell
- Handed in my on-call form at work to make sure I get paid for the hours I've done this month - half the money from that will go into overpayments.
- Am trying to plan meals for the next few days so I can use up what I have in and not need to go food shopping again until after my holiday.
- I'm just about to send Nationwide a message to see about changing my term so my regular payment goes back up to £650 a month (what it was before the interest rates came down).
Unfortunatley not quite a no spend day as I was tired and fed up at work this morning and went to visit the sandwich lady and bought a flapjack for 80p.
Wow, that looks like lots now I've written it down
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To add to what I have done, I listed some books on Amazon and have already sold my first one. One I had given to me when I was taking my professional exams several years ago so didn't cost be anything, but has just sold for £11.74. yippeee0
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Great ideas for MFW motivation!
- It has been a no spend day for me.
- I had leftovers for lunch today (worked from home).
- I have received my AQA payment, still waiting for my day job invoice payment though.
- I have packaged up more ebay sales (made over £150 this time which is going toward our trip to Berlin in July!) - more to follow this weekend.
- I am having a leftovers pizza tonight while OH is out with pals - just waiting for the dough to finish in the BM!
- I am waiting to see what my bank balance by the time the invoice is paid, then I will transfer "spare cash" to my offset.
Thanks to MSE, I am mortgage free!
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Today I have:
- had a no spend day :j :j :j :j apart from work expenses
- fixed my spreadsheet which shows how much I have paid off mortgage, when it will be cleared etc. Was fiddling about last night, obviously deleted some really old formula or link but didn't notice so saved it :eek: . Had a hell of a fright this morning when I opened it up to check something
. Have managed to get it back approximately right (it has the same pay off date as before) but need to check this month's balance. Have lost all 100% accurate figures for previous few months but it was backed up in Jan so at least start data for challenge is all ok :T .
Will be backing up more regularly in future
...... A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"0 -
Hello All,
Today I have/will:- Paid £6.15 off my mortgage to round it down
- Have a no spend day bar a pre arranged riding lesson and a pint of milk
"Have nothing in your houses that you do not know to be useful, or believe to be beautiful." William Morris0 -
Good morning fellow MFW
Today I have /will- Take a packed lunch to work
- Carry out £10 mystery Shop
- Have defrosted some chicken breasts and found some tortilla wraps in the freezer (3 packets with 1 or 2 in them I knew one day I would have enough to make a meal out of:D ) Instead of takeaway:rolleyes:
- Not put the heating on at all from now until September
But these things take time, I know that I'm, the most inept that ever stepped.0 -
Today I have/will:
Accepted a mystery shop - £10
Line dried washing
Will walk to post office/supermarket rather than taking the car. I went to the local Spar which is more expensive but I only spent £2.11 whereas I would have spent at least a tenner on stuff I don't really need if I had gone to the supermarket!
It's "sweetie day" for DS & DD so I'll buy them from the supermarket rather than taking them to the corner shop which always end up costing me a fortune
Keep going with the thread - it's great!0 -
Today I will/have
Updated my profile on Lightspeed to get more surveys
Done my daily clicks
Continue to sort the small room out - think its ironing tonight yuk
Updated my financial records so I know cash flow for the rest of the month
Count up Flossie (mortgage sheep) so whole bags can be banked.0 -
I'm using Argos Voucher from Surveys for a Cool bag for Holiday. Will still have a few left for things for the house as well0
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