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Getting back on the MFW Wagon

edited 30 November -1 at 1:00AM in Mortgage-Free Wannabe
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  • NeedhelpsavingNeedhelpsaving Forumite
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    I feel that these lists may be a bit tedious for people to read, but they're keeping me on track and helping us focus on the positives of where we are in life :)

    So, we have now dropped to one income, I have not returned to work after maternity leave, as the childcare expenses are :eek:

    I feel fortunate to be able to be at home, but it does mean we need to be more creative in how we use our money so that we can continue to work towards our goals.

    At the moment, we are on track for where we need to be with wedding expenses and we are slightly ahead with the savings aspect of it. I think that by making a list of what are priorities for us has really helped, and in some areas, we have been brutal and just said, we're not doing that (videographer, wedding favours, wedding cars etc).

    So in the same vain of staying positive, here are the Positive Money Actions we took yesterday;

    1. OH was offered a free football ticket as someone has dropped out last minute - so other than a few beers, it's a free outing for him :money:

    2. Penultimate wedding venue deposit paid on credit card (we only do this for the protection and points, then pay the CC bill with the wedding savings).

    3. £5 M&S voucher received from survey site, so I will move the cash (minus tax) to my sinking funds.

    4. Mystery shop completed yesterday, report submitted.

    5. NSD from main accounts (wedding spends are counted separately :D)
    2020 Target - Pay Mortgage Down Mortgage Starting: £51,737.26 Currently: £43,922.03 as at 01/06/20
  • NeedhelpsavingNeedhelpsaving Forumite
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    A busy couple of days in our house, so posting has dropped off. I have still been trying to be mindful with our money and have also tried to earn a little extra.

    Positive Money Actions;

    - Made sure credit card has been paid off in full, as we had put the penultimate wedding deposit on it.

    - Continued to enter competitions.

    -Had confirmation that competition prize won last week is being delivered tomorrow :j

    - Three mystery shops done and reports handed in.

    - Stayed up to date with surveys and have cashed out a £3 Amazon voucher from SB.

    - Got the £10 MOT voucher from Halfords and have booked (although if anyone is getting one, be aware that they want it paid for up front).

    - I've applied for two product tests (will wait to see if either materialize).

    - I have picked up an opportunity to do a 5 week online diary (a couple of minutes every 2-3 days) for £22 reward.
    2020 Target - Pay Mortgage Down Mortgage Starting: £51,737.26 Currently: £43,922.03 as at 01/06/20
  • NeedhelpsavingNeedhelpsaving Forumite
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    Good morning!

    Things are ticking along here, and we have a no spend weekend planned.

    I went food shopping yesterday and ended up £16.42 over budget, but I was aware of this at the time. £10 of this was for two re-useable swim nappies in the next 2 sizes, as they were on the baby event for £4.99 each instead of £10 each, and I treated myself to some flowers and the kids to some treats (ice cream and some chocolate rice cake things).

    No excuse on the treats, I just wanted them :o

    In contrast, I have been keeping up with money earning/saving in other areas.

    1. Made my own ironing board cover from fabric I had rather than buying new (although the last 'new' one lasted about 8 weeks, so I think i'll stick to HM in future). I also took a unicorn applique off of one of DD1 old dresses (not in a state to be re-sold/passed on), and sewed it on, I love that it's unique :D

    2. Competition prize arrived and being enjoyed ;)

    3. I was paid for one of the three mystery shops I did last week, that money has been sent to sinking funds (minus tax contribution).

    4. I picked up another mystery shop and completed that too.

    5. I took in a top and a night dress to be able to wear them for longer (taken in after post-pregnancy weight loss).

    6. Continued with competition entries (more of a hobby).
    2020 Target - Pay Mortgage Down Mortgage Starting: £51,737.26 Currently: £43,922.03 as at 01/06/20
  • NeedhelpsavingNeedhelpsaving Forumite
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    Hi :hello:

    So the weekend was fairly quiet here and there were no spends :D We went to a park in a town about 40 minutes away, it was a nice change of scenery and we made sure we took a picnic with us.

    Yesterday was also an NSD, but I was treated to a new stainless steel water bottle courtesy of OH work who were giving them away free :D.

    NSD again today, again treated to a bacon roll and cake by my mum who came to visit.

    Not much planned for the rest of the week spending wise, payday is just over a week away, but we're doing okay (and this month has been far less spendy, which we needed :D).

    Things to do;
    1. Get items sorted out listed on Ebay today.
    2. Complete surveys available.
    3. Keep an eye out for mystery shopping opportunities.
    2020 Target - Pay Mortgage Down Mortgage Starting: £51,737.26 Currently: £43,922.03 as at 01/06/20
  • earthgirlearthgirl Forumite
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    Mortgage-free Glee!
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    Love your freebies!!

    I haven't posted for about a week just so busy all day and then tired out. Hope you enjoy the rest of your peaceful(cheap) week!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • edited 19 May 2019 at 3:57PM
    NeedhelpsavingNeedhelpsaving Forumite
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    edited 19 May 2019 at 3:57PM
    Happy Sunday!

    This week has been fairly low spend, which is good.

    I took some time yesterday to go through the month's spends and take a good look at how the budget is fairing now we're heading for the half year point. I have made some changes, as things I thought would work, haven't and other areas have no buffer at all.

    So, I have removed the option of having a separate savings account for the Child Benefit, as I end up spending most/all of it every month, and it's more hassle than reward in terms of managing it.

    I have added a couple of extra sinking funds, and have increased both DD's savings, in preparation for their futures.

    Ebay listings have been done and three items have sold already. The first sale was one of DD1's toys, so I have put the money from that sale into her savings (minus postage and fees). The money from the other two sales will go into sinking funds, but I won't move any money until they've been posted.

    6 items are live listings and two have bids on :j
    2020 Target - Pay Mortgage Down Mortgage Starting: £51,737.26 Currently: £43,922.03 as at 01/06/20
  • NeedhelpsavingNeedhelpsaving Forumite
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    Good Morning!

    Positive money actions yesterday;

    1. Yesterday was the day I do the weekly shop - got it in at £26.04 (I am mainly using things we already have in the cupboards). I used cash and planned the shop (and this time added no extra bits).

    2. Sold two more items on ebay, they have been posted, and the money, minus postage and fees has been moved to the sinking funds pot.

    3. Walked to the shops to save in petrol (and increase my exercise).

    4. Requested a £3 Amazon Voucher from Receipt Hog.
    2020 Target - Pay Mortgage Down Mortgage Starting: £51,737.26 Currently: £43,922.03 as at 01/06/20
  • earthgirlearthgirl Forumite
    3.8K posts
    Mortgage-free Glee!
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    That's great with the ebay sales. Hope you got a nice rest at the weekend!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • NeedhelpsavingNeedhelpsaving Forumite
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    Tenth Anniversary 1,000 Posts Name Dropper
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    Good Morning!

    This week has been quite frugal, which I am pleased about.

    We have enough food to last us until Sunday/Monday when I will do the shop for next week. I have only spent 90p extra on food, and that was down to a lack of planning on my part (picked something up while we were out).

    Positive Money Actions this week

    1. I haven't used the car at all this week, so we've saved on petrol and increased exercise :)

    2. I've had another item sell on ebay, which needs to be posted today, again, the money will go into sinking funds (minus fees and postage).

    3. I have received an item for a product trial, which I need to do over two weeks :T

    4. Claimed another £5 Amazon voucher from a survey site yesterday, this has been used towards xmas sinking fund.

    5. We were offered (and accepted) some wedding decorations from my sister (all free), which is a lovely gesture. I have also been gifted a 'Bride to be' dressing gown and slippers, again, a lovely gesture. It's all coming together :D

    6. I have continued with surveys/looking for extra ways to save/earn money.

    Payday on Friday :j
    2020 Target - Pay Mortgage Down Mortgage Starting: £51,737.26 Currently: £43,922.03 as at 01/06/20
  • edited 27 May 2019 at 7:08PM
    NeedhelpsavingNeedhelpsaving Forumite
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    edited 27 May 2019 at 7:08PM
    Happy Bank Holiday!!!

    I honestly have no idea where the time is going - almost half way through the year? How did that happen?

    Payday has come and gone in our household and all money shuffles have been done. I did do the weekly shop yesterday, that came in at £44.37, plus £15 petrol.

    Positive Money Actions since 23/05

    1. Stuck to Grocery and Petrol budgets.

    2. Sold two more bits on Ebay, one awaiting payment, one to be posted tomorrow. Again, this money will go to sinking funds (minus fees and postage).

    3. Have another mystery shop booked in for this week.

    4. Did not use the car all week, and am planning to reduce car useage this week.

    5. Booked a cinema trip for OH & DD1 using the cinema voucher she had for xmas (free to us half term activity).

    6. Found £4.30 in coins around the house/car.


    Things to do;
    - Keep up to date with surveys.
    - Find and list more things for sale.
    - Keep half term spends low to none (have three craft kits from DD1 birthday that can be used as entertainment and will call the library tomorrow to see what they have on Thursday/Friday).
    - Get some typing work done to work towards my additional earnings goal of £385.28 for June.
    2020 Target - Pay Mortgage Down Mortgage Starting: £51,737.26 Currently: £43,922.03 as at 01/06/20
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