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  • FIRST POST
    • MeandO
    • By MeandO 22nd Jun 18, 12:10 PM
    • 1,826Posts
    • 9,334Thanks
    MeandO
    MeandO's money-shuffle
    • #1
    • 22nd Jun 18, 12:10 PM
    MeandO's money-shuffle 22nd Jun 18 at 12:10 PM
    Hello all,

    I've snuck back over from the MFW board as I still don't really feel 'at home' over there, so I hope no-one minds me creeping back in over here.

    I don't really have any debt other than my mortgage, however, I am a single mum to one, now working part time, so have to budget really hard to pay the bills, save money monthly for yearly expenses and emergency savings 'pots' and attempt to overpay the mortgage at the same time as making sure my DS and I have fun.

    I'm forever shuffling little bits of money from one place to another (hence the title ) in order to meet my self-imposed savings or mortgage repayment targets. Sometimes this is from saving money on the grocery budget, selling on ebay/FB/gumtree or from doing surveys, but I try and remember that every penny makes a difference.

    I've paid off a lot of debt over the years and had several debt-free diaries, and, if I don't plan things properly and let things slip, it would be very easy for me to get back into debt. I also treat my mortgage as a debt (which it obviously is) that I need to repay ASAP and save interest on, so am forever chipping away at it.

    Here's a link to my last diary:
    https://forums.moneysavingexpert.com/showthread.php?t=5742079

    Feel free to shuffle along with me!
    M
    x
    Last edited by MeandO; 31-10-2018 at 11:36 AM.
    Mortgage @ March 2019: £107K, now: £102,380
    Mortgage OP's 2019: £1881.76/£1800
    EF: £2550 • H2S: £950
Page 1
    • MeandO
    • By MeandO 22nd Jun 18, 12:18 PM
    • 1,826 Posts
    • 9,334 Thanks
    MeandO
    • #2
    • 22nd Jun 18, 12:18 PM
    • #2
    • 22nd Jun 18, 12:18 PM
    I've just completed a refund request for £95 for an item that wasn't up to scratch. Hopefully that should be processed with no problems and the £95 will be refunded back to the credit card, bringing that down nicely.

    I've brought some eggs and a bagel from the freezer to work for my lunch today. I've also got a yummy 'yellow sticker' buy out of the freezer for tonight for OH and I which we'll cook around his place later. Might need to pop to the shops for a bit of salad, but will be looking in the reduced section first as last time we got a big bag of salad for 5p which fed us for a couple of days.

    I'm also deleting the £50 off voucher I've just had emailed from a favourite 'cottage' company which will save me around £350 in the long run!
    Mortgage @ March 2019: £107K, now: £102,380
    Mortgage OP's 2019: £1881.76/£1800
    EF: £2550 • H2S: £950
    • Eager_Elephant
    • By Eager_Elephant 23rd Jun 18, 8:18 AM
    • 4,608 Posts
    • 27,469 Thanks
    Eager_Elephant
    • #3
    • 23rd Jun 18, 8:18 AM
    • #3
    • 23rd Jun 18, 8:18 AM
    Following and supporting you on this diary MeandO

    Good Luck!!!
    • stepuptothepl8
    • By stepuptothepl8 23rd Jun 18, 8:31 AM
    • 891 Posts
    • 4,547 Thanks
    stepuptothepl8
    • #4
    • 23rd Jun 18, 8:31 AM
    • #4
    • 23rd Jun 18, 8:31 AM
    Happy shiny new diary! Hugs xx
    LBM 1st Feb 2015 £18182 to go
    my diary: time to step up to the plate. SPC#079
    • Honeysucklelou2
    • By Honeysucklelou2 23rd Jun 18, 11:58 AM
    • 2,075 Posts
    • 10,855 Thanks
    Honeysucklelou2
    • #5
    • 23rd Jun 18, 11:58 AM
    • #5
    • 23rd Jun 18, 11:58 AM


    Will be cheering you on!
    paydbx2019 #93 £1211.29/£10,100 .
    EF £40. SPC 141

    # savings# £17. Oven. £0 / £403
    • Scott Chegg
    • By Scott Chegg 23rd Jun 18, 12:09 PM
    • 33 Posts
    • 65 Thanks
    Scott Chegg
    • #6
    • 23rd Jun 18, 12:09 PM
    • #6
    • 23rd Jun 18, 12:09 PM
    Will be cheering you on
    • MrsSave
    • By MrsSave 24th Jun 18, 4:42 PM
    • 1,670 Posts
    • 5,416 Thanks
    MrsSave
    • #7
    • 24th Jun 18, 4:42 PM
    • #7
    • 24th Jun 18, 4:42 PM
    Happy new diary!!
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S.....life after debt' below:
    • plymouthscubagirl
    • By plymouthscubagirl 25th Jun 18, 9:16 AM
    • 334 Posts
    • 989 Thanks
    plymouthscubagirl
    • #8
    • 25th Jun 18, 9:16 AM
    • #8
    • 25th Jun 18, 9:16 AM
    Yay, found you again - good luck with the new diary!
    Funny I had a wobble looking at old life photo's and videos the other day as I was reminded my free space on One Drive was up so I need to delete/back up bits and pieces. 20GB to get through - arrgghhhhhhh! x


    • MeandO
    • By MeandO 25th Jun 18, 9:51 AM
    • 1,826 Posts
    • 9,334 Thanks
    MeandO
    • #9
    • 25th Jun 18, 9:51 AM
    • #9
    • 25th Jun 18, 9:51 AM
    Thanks for dropping in to say hello everybody.

    Plymouthscubagirl - I had to do the same recently with my phone and found some old videos and photos of DS as a baby. He loved looking through them all. I just have to back them up from my laptop now as that is always thretaening to give up on me and I'd hate to lose them.
    Mortgage @ March 2019: £107K, now: £102,380
    Mortgage OP's 2019: £1881.76/£1800
    EF: £2550 • H2S: £950
    • MeandO
    • By MeandO 25th Jun 18, 10:22 AM
    • 1,826 Posts
    • 9,334 Thanks
    MeandO
    Finally, it's payday!

    YNAB has been updated, all of the savings have been shuffled to their appropriate accounts, apart from the £50 to the help to save account which will come out in the next few days.

    I've allocated money for all the bills, groceries, fuel, DS's savings and dinner money and personal spends. I've also reset my overpayment target to £150 again for this month, hopefully I should be able to make it. I was really pleased with last month's efforts as I managed to more than double my monthly minimum mortgage payment and overpaid by £427.95. I very much doubt that will happen this month though!

    I tried to pay another £100 off the credit card this morning, but it seems that Sainsbo's bank will now only allow one payment online every 14 days and I paid £100 off last week. Can't see any point to that other than trying to deter people from paying things off quicker and making more money out of consumers. Anyhow, I need to phone them to make another payment, but need the credit card number which is in the house, so will do that later today or tomorrow.

    The freezer and cupboards are pretty full, but I do need to stock up on fresh stuff for the week. I don't need enough to justify and online shop so will pop to the local supermarket one evening this week.

    We have had a lovely weekend, although I didn't see DS as he was with his Dad all weekend so can't wait to pick him up from school today, I've really missed him.
    OH and I had a really relaxing weekend which we don't often get to do. We met up with some of his friends before and after event we all went to on Saturday which was really lovely. We didn't spend much, in fact I only spent £20 all weekend which included meeting some of OH's family for drinks outside a local pub yesterday too. I defrosted a big joint of YS roast pork we'd previously bought for less than half price which we then cooked on the BBQ, followed by an afternoon relaxing in the garden. It was the most chilled I'd been in a long time.
    I'm exhausted today though as we both woke up at about 4am as it was so hot and light and couldn't get back to sleep.

    Tonight I'd like to tidy my house up a bit and get organised. I've been at OH's for most of the weekend so I feel like I've not done anything in the house or garden. The grass needs cutting and the garden is in need of a good watering so that has to be done this evening.
    Mortgage @ March 2019: £107K, now: £102,380
    Mortgage OP's 2019: £1881.76/£1800
    EF: £2550 • H2S: £950
    • MeandO
    • By MeandO 25th Jun 18, 6:00 PM
    • 1,826 Posts
    • 9,334 Thanks
    MeandO
    I’ve just claimed another £2 amazon voucher from surveys.

    A couple more bits I ordered for DS for Christmas (with the 20% off eBay voucher) arrived today today so I have hidden them away. I won’t be buying anything else for a while now unless it’s an absolute bargain.

    I’ve received a label for free return of the item that was faulty so that will be £95 refunded to the credit card once returned.
    Mortgage @ March 2019: £107K, now: £102,380
    Mortgage OP's 2019: £1881.76/£1800
    EF: £2550 • H2S: £950
    • MeandO
    • By MeandO 26th Jun 18, 10:03 AM
    • 1,826 Posts
    • 9,334 Thanks
    MeandO
    There's £1200 in the emergency savings now, split between the ISA and the help to save account, with 4 months worth of savings in the H2S account now. I'll be leaving it in there for the full four years to benefit from the 'bonus' payment of £1200 which, with the savings accrued, will hopefully be my new kitchen fund unless something else falls down/off/in/ and I have to fix that first.

    I've just spent 20 minutes trying to make a payment to the credit card and have just finally paid off another £100 but had to do it over an automated phone line (for which I've probably paid for the call ) instead of the normal simple online payment since Sainsbo's changed their rules. I even tried to set them up as regular payment on my bank account but that kept crashing too. There'll be around £650 left on it once I have received the refund - I'm debating whether to just pay it off with the savings, shut the account down completely and work on rebuilding the savings afterwards...

    I need to get some shopping tonight, but will go to Aldi or Lidl and will be sticking to the list. I will have DS with me, so there'll be no dawdling as he is not a shopper (neither am I tbh).

    OH came over last night and brought me a big box of 15 eggs that he'd picked up in the YS section for 79p. I've bought six to work and will have them scrambled with some of the YS bagels for lunches this week - we have a microwave at work that we clubbed together to buy. That's a lovely filling lunch for around 20p a day!

    I see another survey has just dropped into my inbox so I'll do that a bit later too.

    I have a company coming out tomorrow to look at some issues with the house. I have everything crossed that it's nothing serious, but I'm sure it'll cost money no matter what. Maybe I need to hold on to the savings for now.
    Mortgage @ March 2019: £107K, now: £102,380
    Mortgage OP's 2019: £1881.76/£1800
    EF: £2550 • H2S: £950
    • MeandO
    • By MeandO 26th Jun 18, 10:15 AM
    • 1,826 Posts
    • 9,334 Thanks
    MeandO
    Just checked DS's dinner money and there's plenty left in the online payment account left to cover school meals up to the summer holidays and even a week or two into the autumn term.

    I'd allocated a top up of £20 this month, but have just transferred that to the 'holidays' pot instead, in readiness for a camping trip or something over the hols. There's only £70 in there at the moment, but it will cover a few nights camping at least.
    Mortgage @ March 2019: £107K, now: £102,380
    Mortgage OP's 2019: £1881.76/£1800
    EF: £2550 • H2S: £950
    • MeandO
    • By MeandO 27th Jun 18, 9:33 AM
    • 1,826 Posts
    • 9,334 Thanks
    MeandO
    The grocery shopping cost £41.09 last night - more than I'd planned to spend, but there was a freezer section with lots of items reduced to £1 and 50p, so I have stocked the freezer up. There may also have been custard slices reduced

    The two items for refund have been sent back, OH kindly dropped them off for me last night, so I should have a refund within the week.
    I'm also returning the mattress I bought recently as I'm not happy with it, so that will be £350 in total back to the credit card.
    Mortgage @ March 2019: £107K, now: £102,380
    Mortgage OP's 2019: £1881.76/£1800
    EF: £2550 • H2S: £950
    • Moguline
    • By Moguline 27th Jun 18, 10:52 AM
    • 715 Posts
    • 2,228 Thanks
    Moguline
    Happy new diary, will be cheering you on!
    Current debt (01/11/2019): £18,941 32.3% paid
    • MeandO
    • By MeandO 3rd Jul 18, 10:26 AM
    • 1,826 Posts
    • 9,334 Thanks
    MeandO
    Thank you Moguline.

    I haven't posted for a while - it's been a bit of a rollercoaster week and I spoke too soon about something falling off/down/needing fixing.

    I found out the house is going to require some structural work - am still awaiting quotes - not covered on the insurance. I'll worry about it when I know what I'm dealing with.

    The car then died on me at a really dangerous junction and I consider myself lucky to still be here! Someone was looking down on me, because a breakdown truck pulled up behind me within a couple of minutes and helped me to safety, despite not being a member of said breakdown company.
    The car was eventually fixed for free by the dealer, even though they claim it's definitely not because of a known fault, oh no, but purely from the goodness of their hearts...

    I've also had yet more worrying news about the health of my parents.

    That aside, I've been feeling really fortunate and grateful for my lot this past week. I've generally seen more people and made some new friends; received lovely flowers from a neighbour; had lots of fun with DS and lovely times with OH despite him going through quite a stressful weekend ; chatted with friends at a BBQ, had lots of laughs and felt quite loved by very few, but very treasured people in my life.

    There is not a lot of money in the bank as I have spent money buying a couple of 'liquid gifts ' to take to gatherings, but feel it's only fair when I have been well fed and hosted. DS and I also had lunch out yesterday for a rare treat around a medical appointment, spending £13.

    I've also filled up with petrol yesterday which came in just under £50. That should last me until past next payday though.

    The regular overpayment of £51.03 (rounded the mortgage up to £400) has come out of the account, so there's still just under £100 to find to meet my overpayment target which I'm hoping will be achievable towards the end of the month.

    The mattress and pillows have been returned, so I am awaiting refunds from those within the next few days. The credit card should look a lot better then.

    I bought a few photo frames in the sainsbury's sale yesterday to cover the blank wall ) with large, difficult-to-remove hanging nails already on from an old mirror) in my dining room. I eventually plan on buying a few different ones from elsewhere when I see some at a good price and framing a few bits of artwork/drawings and photos to make a little gallery wall. The four I bought yesterday are up on their own but laready look lovely, I'm really pleased with them. I shall transfer the £15 from the house projects fund to the main account today to cover the cost of those.

    Have a good Tuesday all

    x
    Last edited by MeandO; 03-07-2018 at 10:29 AM.
    Mortgage @ March 2019: £107K, now: £102,380
    Mortgage OP's 2019: £1881.76/£1800
    EF: £2550 • H2S: £950
    • MeandO
    • By MeandO 3rd Jul 18, 11:39 AM
    • 1,826 Posts
    • 9,334 Thanks
    MeandO
    Another £2 Amazon voucher received from surveys.
    £1.20 spent in the vending machine at work as am sooo hungry today... need to plan and buy more bits for healthy lunches and snacks at work.
    Mortgage @ March 2019: £107K, now: £102,380
    Mortgage OP's 2019: £1881.76/£1800
    EF: £2550 • H2S: £950
    • Moguline
    • By Moguline 3rd Jul 18, 12:46 PM
    • 715 Posts
    • 2,228 Thanks
    Moguline
    I'm sorry you're having such a tough time. It can definitely help keeping a tight reign in finances in these times, as at least it gives you the feeling that there's something in your life you actually have control of.
    Hope you hit a streak of good luck soon, and house repairs don't turn out to be too costly!
    Last edited by Moguline; 03-07-2018 at 3:45 PM.
    Current debt (01/11/2019): £18,941 32.3% paid
    • doingitanyway
    • By doingitanyway 3rd Jul 18, 9:01 PM
    • 4,758 Posts
    • 30,349 Thanks
    doingitanyway
    It sounds difficult for you right now but you are keeping your head and ploughing on. It always makes it that more tough when you have loved ones with health issues.

    You didn't need the car issue either but you are safe.

    You sound well supported and that's good.

    Sending you a virtual hug (())
    Car costs savings: 600
    Xmas savings 150
    IF NOT NOW THEN WHEN?
    • MeandO
    • By MeandO 4th Jul 18, 10:08 AM
    • 1,826 Posts
    • 9,334 Thanks
    MeandO
    Thank you doingitanyway.
    Mortgage @ March 2019: £107K, now: £102,380
    Mortgage OP's 2019: £1881.76/£1800
    EF: £2550 • H2S: £950
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