New but not new - Year 1 of 5!

beanielou · 3 September 2017 at 9:22PM

You are on a roll.
No surprises there then

Betterthanever · 4 September 2017 at 7:42AM

So.... it's Monday again. I've packed breakfast and lunch and.can make dinner from storecupboard/freezer goodies. Am thinking some sort of Morroccan chicken thing as I have chickpeas and dried apricots in abundance.

I've brought in a utility bill to enable me to go to the building society and open an old fashioned passbook savings account. The interest is not the best on offer but I find online accounts to easy to raid sometimes! Plus, the branch is next door to the little Mr Ts that I use for top up shops at lunchtime so am hoping it will act as a subliminal deterrent to spend extra in there as I have to walk past it and could deposit a couple of ££ instead. So, opening that account is my MFW job for today and trying for another NSD.

Have a good one, and for anyone back at school today with either work or children, good luck!!

debtfreeoneday · 4 September 2017 at 11:15AM

Trying to work out if I followed the previous you!
Ouch re the hip! Will subscribe!

Betterthanever · 4 September 2017 at 2:01PM

I'm now the proud owner of a cash ISA with an old fashioned passbook!! It has a whole £10 in it....but it's a start!! This is just for the odds and ends that would ordinarily just get eaten up in everyday spending but will now become a home to things like my council tax on Feb and march. Nothing exciting but it's part of the plan!

I do also have a regular saving investment account that I pay £100 a month into and plan on increasing that in due course, but not until summer next year.

I've made a start on some really detailed savings and overpayment projections and targets for the full 5 year period. All I need to do is to implement them!! The more I look at them, though, the more I want to achieve!! I am my own worst enemy sometimes and need to remember that MFW burnout is not what I'm after!!

[Deleted User] · 4 September 2017 at 3:24PM

I'm sure you won't 'burn out'....five years is only sixty months....it goes really quickly!! :eek:

I must admit that I get far too excited and seem to think of nothing else when I first decide to do something.....that's why I'm going to make sure I come on the boards every day to help keep the motivation.

It is exciting though....the thought of having no mortgage and still being young enough to enjoy it is outstanding

Love the idea of a passbook account - wouldn't be any good for me as my nearest bank is miles away but I do agree that online banking makes it far too easy to access....although I'm grateful for the ability to do tillytidies!! :rotfl:

Betterthanever · 4 September 2017 at 5:53PM

Oh I will still have the online accounts too for some things...sweeping small amounts over is definitely an advantage and I will continue to do that, but I'm hoping that going a bit retro with a passbook will also help. Time will tell!!

As for burnout, squirrel, you've clearly never seen me in action :rotfl::rotfl:

beanielou · 4 September 2017 at 6:10PM

Be frightened squirell~~when new but not new is on a mission she is indeed on a mission & is a legend

maia_evo · 4 September 2017 at 6:12PM

I love the passbook idea too. Online accounts have always been too easy for me to access

Betterthanever · 4 September 2017 at 6:57PM

Hardly a legend beanie, but thank you!!

I've only ever been as good as those around me and people like you have stuck with me for over 10 years...... you're the real legends xx

catshark88 · 4 September 2017 at 7:42PM

If she's who I think she might be, she's deffo a legend!

Welcome back to MSE!

New but not new - Year 1 of 5!

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