Getting back on the MFW Wagon

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  • Needhelpsaving
    Needhelpsaving Posts: 1,083
    First Anniversary Name Dropper First Post
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    edited 21 December 2017 at 7:02PM
    Good Evening!

    Its payday tomorrow (early due to xmas) but advances the last week of the month, so technically will be paid for work up to 31/12.

    We have decided to go into January with a modest budget in terms of spends. We have put some money aside for baby stuff (outside of what we already have). Between us, we have earmarked £850 for savings and £600 mortgage OP.

    The mortgage OP will take us over our £4k target for 2017, but we have decided that we wanted to get under £71,000 before 2018.

    We haven't met our savings target of £3k for 2017 - the original goal was £1500 and we have met that and some, but I just had to keep tinkering with the targets didn't I? Not too bad though as we have fallen somewhere in the middle of the two.

    Achievements for 2017;
    1. Re-carpeted all bedrooms and the stairs/landing.
    2. Got engaged.
    3. Expanding our family, with the new addition due 2018.
    4. Exceeded our £4,000 mortgage over-payment target.
    5. Saved £2107.10 of our £3000 target
    6. Cash flowed some work within the home (minor, but essential jobs).
    7. Paid off family loan :j

    We need to spend some time considering our goals for 2018 and how we are going to set about achieving them - exciting times ahead :D

    Have a wonderful Christmas!!!! :xmassign:
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • earthgirl
    earthgirl Posts: 3,762
    Mortgage-free Glee!
    Forumite
    That’s a great list of achievements! Congratulations!
    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
  • Work in progress

    2018 Targets (to be finalised before 01/01/18);

    - Get Mortgage down to £65,000 (as per MFiT Target)
    - Get Savings Up to £5,000
    - Cashflow trip to sisters wedding (TBC)
    - Cashflow blinds for kitchen
    - Cashflow re-painting hall, stairs/landing (just a couple of tins of paint)
    - Cashflow redecoration of living room (inc new carpet)
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • :xmastree::xmassign:

    Merry Christmas everyone, I hope everyone is enjoying their day so far.

    LO is very happy with her gifts and is currently working her way through them :eek: I can never believe how much packaging they have to put on stuff.

    I have hit the sales this morning :o:o bought wrapping and cards for 2018, a new set of pans as ours are wrecked; we grabbed a great deal on a travel system for baby (£439 instead of over £850!) included isofix base, car seat and pushchair and a maternity dress to wear to a christening and wedding this year (if is looks ok that is).

    The pram will be partly covered by the first instalment of the baby fund we started, i will also send my xmas money to cover a portion. I also have some maternity clothes to be sent back to new look as I over estimated the sizing - these need to be ready for the post office on Wednesday.

    No more spends in the sales :o
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • I wouldn't feel too guilty...it's not like you don't need these things...baby has to travel and replacements have to be made eventually so buy it while it's cheaper to do so....it's not frivolous spending ;)
  • Needhelpsaving
    Needhelpsaving Posts: 1,083
    First Anniversary Name Dropper First Post
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    edited 27 December 2017 at 6:05PM
    Today saw a return to work and I also managed an NSD.

    MF efforts today included;
    - Exceeded Swagbucks target
    - NSD
    - Ate from pantry
    - Accepted some pre-loved baby items

    I'm trying to stay on the straight and narrow to have a frugal month, however, I will need to buy milk and bread tomorrow.
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • Needhelpsaving
    Needhelpsaving Posts: 1,083
    First Anniversary Name Dropper First Post
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    edited 28 December 2017 at 4:31PM
    MFW Efforts today;

    - Downloaded pampers club app to earn points when picking up nappies for new baby (with money off vouchers that come in those free baby packs) and the points given from uploading receipts give you the option of swapping them for more money off vouchers. I am not a brand loyal person, but if I can get any nappies at a reduced price its all pennies in the pot, then once we get into the stride of parenting a newborn (after 5 years!) we will look at re-useables.

    - Uploaded all lingering receipts to Receipt Hog as I lost momentum at the end of this year.

    - Ran an Asda Price Guarantee on a receipt - £2.22 (This will be used to buy a pack of 54 pampers on offer -£6 down to £4, with a £1 manufacturer voucher and the APG voucher should make them 0.78p). I will grab these when going to get milk tonight on way home from work.

    - Cut out vouchers from free baby packs (persil and comfort pure) and have stashed them in my purse in case I see any bargains I can match them with (thinking ahead to March time when all of the spring cleaning offers appear).

    - Packaged up New look return to drop that off at a Collect+ station tonight.


    Need to:
    1. Pack a lunch for work - Done
    2. Try on ASOS Maternity clothes and return anything that don't like/doesn't fit.
    3. Eat from Pantry - Done
    4. Meal Plan for week ahead
    5. Pick up free bounty pack from Asda when getting nappies and milk
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • Asda trip was cancelled as I forgot to print the price guarantee voucher at work - duh!

    I did pick up milk, bread and bananas on way home from local co-op. I also grabbed 3 nakd bars and a bottle of Mountain Dew drink that were on offer on cashback sites. Receipt has been uploaded to the two shopping cashback apps and Receipt Hog.

    I also dropped off the New Look return.
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • Needhelpsaving
    Needhelpsaving Posts: 1,083
    First Anniversary Name Dropper First Post
    Forumite
    edited 31 December 2017 at 9:05AM
    Good morning.

    This week have willed away between work and rellies passing a sickness bug onto DD- unfortunately it's that time of year, but needless to say, I could have done without it.

    Yesterday was spent de-germing the house, looking after DD and making trips to my mums with washing that needed to be tumble dried.

    Thankfully, it was a 24 hour thing and she seems to be full of energy this morning.

    Jobs for today;

    1. Continue to work through the washing and ironing mountains.

    2. Package return to seraphine - maternity dresses bought for sizing. One has been kept for a christening and wedding this year, rest to be returned, just need to print the returns form.

    3. Get xmas tree taken down and OH to put in loft.

    4. Clean the mobile tip/car

    5. Clean the bathroom.


    I have been doing small bits to keep the mfw motivation;
    1. Returned 4 items to ASOS for a refund
    2. Kept up with yougov and onepoll surveys
    3. Swagbucking (although I havent managed to meet all of the daily targets).
    4. Two cash back shopping sites have confirmed payouts for items bought from co-op trip
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • 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
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
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