Taking it slowly, but doing it well.

mse April Goals

1) Mop Pot
(Will break down when mortgage interest is known)

2) 13 Step plan funding
return off set pot to pre new fix level 0/£542.62

3) nsds
0/16

4) 1p a day challenge
0/30

5) use the debit card
0/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

pinkypig wrote: »

Great totals Wish, you'll be MF before you know it:j

Hope you're little one is feeling a bit brighter. Have a lovely Easter xx

Thanks Pinky, I hope so, I've had a lot of easy wins this month though, additional hours from work, tax rebate, surplus from council tax ynab pot. Moving forward it's not going to be as easy, especially as my potential for supply is limited this month.

Pickle is feeling much better thank you. Praise the Lord for antibiotics provided by the NHS. he's eaten better today and didn't wake up from his nap coughing horrifically.

EatingTheElephant wrote: »

Fantastic progress this month and amazing determination on reducing the number of mortgage payments left, great plans :T

Thank you ETE I hope that my plans become reality. I'm hoping so.

A few small spends today, but nothing drastic. Tomorrow should be a nsd, after all, it is Easter Sunday and all the shops are shut.
I'm pretty sure all the direct debits will go out on Tuesday this month, then the start of next week is my official bank account switch.
I do need to add another goal to my monthly goals and that's using my new account debit card 20 times in a month to get the £5 reward. So I'll go back and edit that now. Happy Easter everyone.

Wish.

And that, Ladies & Gentlemen is Easter weekend over for another year. Weather has been pants, no snow here just constant rain all day. It feels a little bit like a wasted day really as we haven't really achieved anything. Brunch out this morning and a co5stc0 trip. So not a nsd, but not too bad. I used my new current account debit card for the first time. (I need to use it 20 times a month to get a £5 reward. Once I've done that, everything then goes on the new reward credit card - 1000 points = a £10 voucher - this is going to take a while!

In better mse news:
The mortgage interest has been added: £68.78 in a 31 day month and before the new slightly cheaper fixed rate started yesterday. So daily interest down to £2.22 a day - next stop sub £2 a day. I'll finalise my mop pot targets tomorrow when the new mortgage payment goes out, can't remember how much it is exactly, and can't be bothered to dig the paperwork out again!
Also, due to changing my mobile tariff my mobile bill today was less than £6. I'm looking at around £15 a month going forward (a saving of £16 a month) so, this month's surplus has been mostly sent to STEP3, but a little tily Tidy to the mop pot and I've adjusted the May budget going forward. (Actually going to put money aside each month for car nots and repairs rather than relying on the surplus from some of my annual bills plots)

Finally, had a bit of a to do with the landline provider who had a 'data integrity issue' with the 'order' I did a couple of weeks ago, so haven't been able to pay my line rental saver. Should be sorted by Thursday though, so I can get that paid.

Hubby leaving tomorrow for a 10 day job, hoping to keep spends down while he's away.

Shattered tonight, so cleaner proofing the house is about as much as I think I'll get done.
Sleep well everyone.

Wish.

mse April Goals

1) Mop Pot
£3.11/£68.78 (interest added on 1st April)

2) 13 Step plan funding
return off set pot to pre new fix level £175.62/£542.62

3) nsds
1/16

4) 1p a day challenge
4/30

5) use the debit card
1/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

Silence101 wrote: »

We put £15/week aside for mot,tax and insurance. It!!!8217;s about £60/month, but £15/week seemed psychologically more achievable! We have been able to just squirrel it away and use wages to pay for it recently, but when I first met Mr S, there was a lot of stress trying to find the money, because he had to pay all 3 just after Christmas and he never used to save it up during the year. Now we have it ready if needed.

Thanks Silence, I do put aside for insurance, breakdown & tax each month, but service, mots and 'when it goes wrong' has previously been a bit ad hoc, that will be changing.