Taking it slowly, but doing it well.

gallygirl wrote: »

Doesn't use much water either by the sounds of things :rotfl:.

Quickest wash on my machine is 59 minutes :eek:.

Oh dear Gally, my fat fingers are getting me into trouble again......

such a lot of money news today... hold on tight for a bumpy ride.
Pay day pay and expenses in the bank today. Various pots filled - childcare for May, £100 to step 5 for May, shrapnel to the mop pot, then the rest (not very much I only really work 1 day per week) into various steps of the 13 step plan.

Spending today
Mum's coffee, well it is Friday and a bit of spending in c0stc0. Thanks to some cashback vouchers from hubby buying some tires last month, cat litter, cat food, toilet rolls, 30 cans of my caffineated fizz and a huge amount of dishwasher tablets cost me £1.78. What a win.
£20 on 2 pairs of custom, hand made knickers. My friend has a sewing business, and has just branched out into clothing including adult pants. They are so much more comfortable than my previous underwear choice (cheap from supermarket or mr sparks) and are normally £16 a pair, but they are on special offer this weekend, so two pairs purchased. Had to do a bit of warming to cover the cost, but it's worth it.

Other stuff
I thought I needed new tires on my car (was hoping for some more cashback vouchers) but apparently the tread is fine on them all, and one just needed a new valve and reselling which the men in C0stc0 did for free, which was amazing.
I've put another sling up for sale this evening, just waiting for someone to get back to me, then that's sold (there's quite a queue behind this person so it should sell tonight, and I can post tomorrow or Monday)
Tilly tidies done
1p challenge, 1 day done.

I'm currently £70 short of my target for the 13step plan this month, if the sling sells and I get the money for It by Monday, once I've paid postage, I should clear £30, so nearly half way there. There is currently a little tiny bit left in the spends pots for this month, but not sure if they'll survive until Monday. I do however have over £50 in the mop pot still, this is after I've met my mop pot target for the month. So I could wam from the mop pot to the 13Step plan, overall effect is the same.... hmmm decisions decisions, I'll see what I feel like on Monday.

Tomorrow we are hoping to go red squirrel hunting and will Be taking a picnic, could be a cheap day out. Not going to hit my nsd target for this month, but I'm not actually too fussed about that.

I've been considering contentment today, was briefly involved in a mention of it on another thread. I do feel really content with our'lot' at the moment. Things are looking ok, we are all happy, reasonably healthy (just standard winter colds/bugs) and we have a plan for the future, now things may change but, in the meantime I think I will enjoy being content. Now, if I can only find the rest of that £70 without warming the mop pot.....

Wish.

mse April Goals

1) Mop Pot :j :j :j
a) next brick on the countdown house: £6.83/£6.83 :j
b) interest added: £61.95/£61.95 :j
C) £400 capital reduction: £102.11/£102.11 :j
D) mfw 2018 challenge amount: £39.11/£39.11 :j
Extra target:£58.62 /£196.83

2) 13 Step plan funding
return off set pot to pre new fix level £472.62/£542.62

3) nsds
12/16

4) 1p a day challenge
32/30 :j

5) use the debit card
20/20 :j

6) save the £2 coins (update monthly) 1 (you can see how little I use cash...)

7) get in size 14 jeans (update monthly)

Please give me your thoughts:

Of the targets I set myself at the beginning of the month, I have achieved my mop pot target and I'm £70 short of my 13 step plan target for the month.

When I hit my mop pot target I kept tilly tidying into the mop pot, it's now at £60.18. There is £10 in the household goods pot.

Even if I spend tomorrow it will be a good shop for May, so, I'm sure I'm done spending April's money.

I may (because it's never certain) get some money in tonight/tomorrow from a Sling I'm selling, after postage & fees this should be about £30.

So do I:

Wait until tomorrow to do my end of the month round ups or do them today?

Do I: shuffle the money in the mop pot & £10 left in household goods to make £70.18, put the £70 in the 13 step plan and 18p overpayment or.... pay the lot off the mortgage?

If the Sling money arrives tomorrow and I've met my 13 step plan target, do I add it to the 13 step plan or replace the money taken from the mop pot?

What would you do? I don't know!!!

(Interest rate wise, paying it off the mortgage is the most sensible thing to do, but it's hardly big enough to make a huge difference)

Thank you oh wise ones.

Busy_Mee1 wrote: »

Hi Wishing
I am not sure what 13 step plan is but if you have set a target for April and you will feel better if you have hit your target, then I would do that and overpay the sling money as soon as you get it.

Although it makes more financial sense to overpay your mortgage, it won't make a huge difference. Personally looking at your circumstances, a young family with a small mortgage and still a long working life, I would look to keep some fluid savings for the next stages of your life...bigger house, another child or even look at starting to save towards the future ( university or retirement). It all happens much quicker than you think it will !

Thanks Busy, I'm going with reaching the target and pretending April finishes today.

The 13 step plan is 13 mini targets so that in 27 more months we are mortgage neutral. The idea being we have some fluid savings for a bigger house initially. (Money so that we'd don't have to add any fees or charges to the next mortgage)

I have already started saving for Pickle for the future and retirement planning is the next elephant we need to tackle,

Thanks for your thoughts. It confirmed what I thought I would do.

Wish