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  • FIRST POST
    • Needhelpsaving
    • By Needhelpsaving 14th Nov 16, 5:58 PM
    • 709Posts
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    Needhelpsaving
    Getting back on the MFW Wagon
    • #1
    • 14th Nov 16, 5:58 PM
    Getting back on the MFW Wagon 14th Nov 16 at 5:58 PM
    Hi

    I have attempted this MFW wannabe journey before, with little success and after reading so many threads on the forum, would like to try again.

    Looking back, trying to start a MFW challenge with a newborn was possibly not the best time for me as I had made grand plans, just when our income was decreasing.

    A little bit about us, I am 29, have an OH 34 and a LO aged 3. We bought our home 8 years ago and have a mortgage of 80,000, a family loan of 7,000 and 0 in savings

    Our first goal is to save a 1500 Emergency Fund by the end of February, whilst staying on track to pay off family loan (on target to pay off in June 2017).

    I have finished all my Christmas shopping, except 1 gift, so should be on track to save a decent chunk of my salary next month (I work part-time).

    I need to stay accountable in this journey and what better way than to publish it on the internet?!
Page 12
    • Needhelpsaving
    • By Needhelpsaving 1st Jan 18, 6:46 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Finalised 2018 Targets;

    - Get Mortgage down to 65,000 (as per MFiT Target) by 31/12/18

    - Get Savings Up to 5,000 by 01/06/18

    - Cashflow trip to sisters wedding (we are anticipating 400 including travel down south and hotel rooms for 2 nights) by 01/06/18

    - Cashflow blinds and kitchen table for kitchen (1000) by 31/12/18

    - Cashflow re-painting hall, stairs/landing (just a couple of tins of paint) -75 by 01/09/18

    - Cashflow redecoration of living room (inc new carpet) - 1000 by 31/12/18
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 1st Jan 18, 7:15 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Happy New Year!

    I have to say I am looking forward to working towards the goals we have set for 2018 - we have possibly aimed a little too high given that I will be going onto statutory maternity pay in April, but if we don't try, we'll never know!

    Today has been spent getting jobs done to set us up for the week ahead;

    - washing and ironing pretty much up to date.

    - xmas tree and decks have been put back in the loft.

    - top up shop has been done (54.11) including loads of cleaning products, some new socks and slippers. I picked up the reduced pampers, without the Asda price guarantee coupon, as the shelves had pretty much been cleared - but there was 1 pack of size 2 waiting just for me they were meant to be 6, reduced to 4 on offer and then had a 1 manufacturer coupon, so paid 3 for 54 nappies.

    Receipt has been uploaded to receipt hog and pampers club. The points from the initial sign up and today's receipt have netted me a 3 off coupon. I will print that this week and pop it in my purse ready for a bargain.


    - I also requested a 10 amazon voucher from swag bucks, which will just be added to the account to be used at a later date.

    No further spends required this week, so am looking at keeping everything money related quite quiet. I have time off on Friday and next Monday and will use a free entry to a local soft play voucher to entertain LO before she goes back to school on Tuesday.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 2nd Jan 18, 8:27 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Today was an NSD, as planned.

    10 amazon voucher has arrived from SB and added to the account for future use.

    Need milk and squash tomorrow, so a couple of pounds to be spent, but otherwise, I will be cultivating moths in my purse this week
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 3rd Jan 18, 7:37 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Today was a low spend day, as planned;

    3.49 at local shop for 2 bottles of milk and a bottle of squash.
    1 at work as forgot lunch.

    We have eaten dinner from stores , I printed the Asda Price Guarentee Voucher at work and have processed the return paperwork for Seraphine dresses (they don't half make you jump through hoops). The returns paperwork will be printed tomorrow and I will pop into the post office on the way home.

    I will just keep an eye on the bank accounts to make sure any returns are refunded and the money is distributed to where needed.

    I have also rounded down the joint account by 7 odd and popped it into the savings account to get us (albeit slowly) moving towards that 5k target.

    No new surveys have come up today, but I did go swagbucking and have almost enough for another 3 amazon voucher.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 5th Jan 18, 8:20 AM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Good morning.

    i didn't manage to get to the post office yesterday as I worked a long day at work (I was trying to get ahead of my work before I had a long weekend off). Although, I did feel like I made some long overdue changes at work (in terms of organisation and set up).

    Jobs for today;

    Take returns to post office
    Pick up M&S collection
    Pick up free bounty and Emma's diary packs from boots
    Meal plan for next week and write shopping list
    Go shopping inc using cash back apps
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 6th Jan 18, 10:02 AM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Good Morning.

    Yesterday was spent attempting to boost Money saving activity - I am yet to see if all of my efforts will pay off.

    I dropped two packages for return to the post office (top for mothercare and 3 dresses for Seraphine).

    I also picked up the free Bounty pack from Boots, but they had run out of the Emma's Diary one.

    I have also attempted to save money using offers and cashback apps, I am waiting to see if all of the cashback claims come through

    I used Green Jinn, Checkout Smart and ClickSnap together to maximise the cashback. Green Jinn have approved one of two purchases, ClickSnap has shown as pending on my Quidco account this morning and CheckoutSmart is pending. I should be due 21.62 cashback if all goes to plan (fingers crossed!).

    I did eat out yesterday (not very MSE) - 8.50 spent on LO and myself between shopping and visiting a relative in hospital

    I also met my SB daily target and requested a 3 Amazon voucher.

    Meal planning is still to be done for week ahead.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 6th Jan 18, 8:41 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    The money saving efforts have paid off;

    1.10 cash back confirmed by Green Jinn
    9.75 cash back confirmed and requested from checkout smart
    7.26 cash back confirmed by Quidco click snap

    Today has been an NSD, tomorrow we have planned to go to the cinema (should be around 8 ish after we have used a cinema voucher given to LO at xmas. I have a bag of popcorn from yesterday's efforts and will grab some drinks en route.

    I have meal planned around cupboard and freezer contents and have have made a list of bits to be picked up tomorrow. I'm expecting to spend 30 max, including a bag of dishwasher tablets.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 8th Jan 18, 7:43 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Good Evening!

    The last couple of days have been full on, but enjoyable as I was spending time with OH and DD (just DD today).

    We went to the cinema yesterday to see Ferdinand the Bull - excellent! Would recommend - it is aimed at kiddies, but OH and I laughed throughout. OH picked up the remaining bill after voucher from his personal spends, so no change to my accounts other than the food shop I had already planned.

    I have spent money today, but all of it was required (Petrol and Car parking + a few bits for relative in hospital). DD got to see them too and it made such a difference to them both - its amazing how children can lift peoples spirits.

    Otherwise, I have been ploughing through jobs around the house and we have stuck to the meal plan and used what we have in the cupboards.

    Its back to reality tomorrow after a lovely long weekend - packed lunch already done and in fridge to keep me on track
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 10th Jan 18, 7:25 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Good Evening.

    Just dropping in with an update to keep myself on track.

    Yesterday was an NSD - today required some work spends which will be reimbursed through expenses, so I am going to count today as an NSD too (is that cheating?).

    We have stuck to packed lunches and eating from the meal plan. I have been accepted to trial Quorn mince and got the voucher for a free bag in today's post, so will work that into next weeks meal plan.

    Amazon voucher (3) has come through from SB and has been added to the account. I have also requested some cashback from quidco in the form of Amazon vouchers to be added to the pot.

    There will be no major money moves until payday, so the focus will be on consistently getting smaller amounts by either earning or savings etc.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 14th Jan 18, 6:13 AM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Good Morning!

    This weekend has been a spendy one - grocery shop done Friday (52.64) and 32.30 was spent yesterday on a day out with DD - we went to see 101 Dalmations at the theatre (It was excellent!) the 32.20 was spent on lunch with family members and travel

    I have reconciled the accounts and have moved 37.63 to the joint savings account, which brings it to 2152.49.

    There will only be grocery spends next Friday, as I have plenty of petrol etc.

    I have decided to leave the CC account for now, as I am still waiting for a couple of refunds to go through before I pay off the remainder of the pushchair from next months budget.

    In the meantime, I am cracking on with swagbucking and surveys.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • shangaijimmy
    • By shangaijimmy 14th Jan 18, 8:21 AM
    • 2,736 Posts
    • 13,570 Thanks
    shangaijimmy
    Happy New Year!

    I have to say I am looking forward to working towards the goals we have set for 2018 - we have possibly aimed a little too high given that I will be going onto statutory maternity pay in April, but if we don't try, we'll never know!
    Originally posted by Needhelpsaving
    Don't we all aim a little high... I'd put my 5 on you making them!
    MFW: Turning June 2036 into March 2025... 39//120 Payments Challenge, Diary Reduction 42,061.17
    Aug 2009: 163,051 // Current: 93,938.84 // Avg Daily Interest 4.22
    MFiT-T4 #8 - 74.24% of 41,000
    • Needhelpsaving
    • By Needhelpsaving 15th Jan 18, 5:52 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Good Evening,

    Just a quick update today. Yesterday was an NSD, today I spent 1 on lunch at work.

    OH has rounded down his account and this along with the child benefit has been sent to savings so that it isn't squandered as we head towards month end. Savings now sit at 2329.07/5000.

    Completed Quorn trial and have done feedback as required, but too be honest i'm ready for bed already!
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 16th Jan 18, 8:06 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Just dropping in with another quick update, as I find this keeps me on track.

    1 spent on lunch at work today.
    3 Amazon voucher requested from Swagbucks to keep the pot ticking along.

    No movement on credit card refunds - it has been 10 days, I will leave it another few days before chasing, as I expect that it is busy given the number of sales returns companies are probably getting.

    I must put in my work expense claim tomorrow - looking at around 20. This will go towards the grocery shop for next week, as I had taken the money from this pot to begin with.

    Other than those couple of bits, we have been sticking to the meal plan, checking for surveys (all quiet on that front) and generally trying to keep spends to a minimum until payday next Friday.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 21st Jan 18, 11:35 AM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Good Morning.

    This week has been hit and miss. I have dropped the ball a couple of times that has left us 20.52 in the red with 5 days before payday, This was partly a lack of planning (8.52) and picking up offers (12) that were not in the budget.

    The offers I picked up were a family size pack of toilet roll (5), 85 nappies (5) and 2 bottles of comfort pure for 1 each when combined with an in-store offer and a manufacturers coupon.

    OH has volunteered to cook lunch today, as I have started to get insomnia and with working 6/7 days this week am cream crackered.

    I have received one 3 Amazon voucher from SB and have claimed a second 3 voucher which is pending. This means I will have around 30 on my Amazon account.

    I will send emails to both mothercare and Seraphine today, as it has been over 2 weeks since I sent returns back and I have heard nothing. Possibly being over cautious, but it is nearly 170 of refunds that are outstanding. ETA - Emails Sent

    Also need to photograph some receipts for receipt hog and pampers club apps. -ETA - Done.

    No spends will leave the account this week.

    Have a lovely Sunday everyone!
    Last edited by Needhelpsaving; 21-01-2018 at 12:07 PM.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 24th Jan 18, 9:02 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Good Evening.

    We are winging our way to payday and will be able to take further strides towards our goals.

    I have lost around an hours pay this week, as I had to take a day off with a sickness bug, but with the 5 hours I worked at the weekend, it almost evens out

    I have continued with the Swagbucks efforts, but am finding that of late, it appears to be quite time consuming for the returns now available. I will keep my hand in, but it may well be dropped off in favour of something more rewarding.

    I have been invited to attend a focus group tomorrow evening (1.5 hours for 40). This will be used towards our savings for a baby monitor and with the amazon vouchers already earned will bring me to 67/100 needed.

    Next update will be made payday after the money shuffles have been made.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 26th Jan 18, 5:19 AM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Its Payday!!!

    I can't sleep, so have got up early and shuffled money to various pots.

    This month we have;
    - Sent 475 to Emergency Savings, this pot now stands at 2804.07/5000

    -Sent a 300 OP to the mortgage

    -Moved 400 to a separate savings pot for sisters wedding in June (this is to cover travel, hotel rooms etc as she lives down south).

    - CC balance has been cleared and Joint account balanced.


    I completed the focus group last night and netted 45. This will be put towards the baby monitor as planned.

    I went off track with spending at the end of the month, the discipline dropped off, so the main focus for this month is to get the small unnecessary spends under control/eradicated.

    Jan, Feb and March are the main months in which we will be able to make big strides towards our goals; after this my salary will drop by almost 2/3 as I move onto SMP. Hoping to make hay whilst the sun shines.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 28th Jan 18, 3:47 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Happy Sunday!

    This weekend has seen planned spends leave the account, 81.17 spent at Asda (including a nursing pillow, breast pump and nappies). This was within the 100 budgeted.

    I also spent 86.70 at Wilko's on paint, decorating supplies and (loads of) lightbulbs, as they all seem to be going at once. Decorating of the Nursery, hall, stairs landing and porch will commence next weekend. Again, all of the supplies were budgeted for and came in just under budget.

    I have spent the weekend sorting, cleaning and what can only be described as the start of nesting.

    I ploughed through my first list of jobs and have now started on the list I had written for next weekend. I also wrote a list of bits that I need to get done at work, as my attention span seems to wain rather quickly at the minute and I am becoming forgetful, which is not a positive thing.

    I have one more purchase to make this week - two under the counter light bulbs that I couldn't find in Wilko or Wickes - there is a local hardware shop that has been recommended, so I will swing by there tomorrow or Tuesday.

    My mum and dad surprised us yesterday with a bundle of cot bedding that I saw with my mum

    I have also requested another 3 voucher from Swagbucks, which will be put towards the baby monitor. Everything is moving in the right direction, so I am pleased with progress.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 31st Jan 18, 7:43 AM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Good Morning,

    Not much to report really, I have spent around 10 of my personal spends on bits and bobs, such as postage etc. I did manage to get the replacement lightbulbs for the kitchen under-counter lights for under the 10 budgeted.

    The latest 3 voucher from swagbucks has been received and added to the account. I am only 25 away from being able to purchase the monitor and am determined to earn it from sources other than my salary.

    I also booked theatre tickets using a voucher OH won at his work raffle, so that will be a cheap night out for mum and I (Tickets were about 25 each full price).

    The remainder of the week, except Fridays grocery shop will be NSD's, as I cannot foresee any other spends being required.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 3rd Feb 18, 10:27 AM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Good Morning,

    Just popping in with a quick update. Grocery and petrol spends yesterday - 47.42 on groceries (including a pack of nappies) and 39.38 on petrol (my monthly budget is 40, so this full tank will last me the remainder of the month).

    I have rounded down the account by 6.76 and sent this to savings - so we are now at 2871.32/5000.

    We have also dipped under 70k on the mortgage

    I am going to head into work today to clock up some overtime in an attempt to boost our income for Feb
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
    • Needhelpsaving
    • By Needhelpsaving 5th Feb 18, 5:33 PM
    • 709 Posts
    • 2,862 Thanks
    Needhelpsaving
    Good Evening,

    The weekend flew by! I worked around 10 hours OT on Saturday, which is all extra money for the pot.

    I am likely to pick up an extra couple of hours on Wednesday, depending on how long a meeting goes over my usual contracted shift and I am mulling over working part of the day on Saturday too. I think 10 hours was a bit too much though as I was wiped out on Sunday (i'm getting to that stage of pregnancy where I am getting tired more easily).

    I need to get a balance between ploughing ahead towards our money goals and ensuring I am looking after baby.

    In money news, I have an insurance policy (92.40) that is due to be renewed this month - it has been budgeted for, I just need to make the actual payment. So will get onto that tonight.

    I have lost my Swagbucks mojo the last few days, as I'm finding it hard to get a decent return for the time required. Not sure whether this is a temporary dip or whether they are changing the site long term - will wait and see.
    Target 1 - Emergency Fund Currently 8064.69/10,000

    Target 2 - Pay Mortgage Down to 65,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 67,117.66 (04/06)
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