Taking it slowly, but doing it well.

Thanks PP, feeling much better today.

A nsd woop woop de woop, and my expenses paid, and ynabd!!!!

So, here I am with some good news.

I completed (cheated!) the 1p a day challenge
£667.95 broken down as:

£7.95 into the mop pot for October
£60 to treat myself
£200 into the 13 step plan
£400 into the mortgage (1 complete brick on the countdown house)

I'm not doing it again, it diverts too much from my actual savings goals.

I can't sort my October targets out just yet as I don't know what the mortgage interest is going to be, but Pcotber should be a good month for income (quite a lot of overtime and expenses due) but we have booked a holiday, just a cottage on the west coast of Cumbria, but I'm sooo looking forward to some family time and days out with the Pickle. It will cost a little bit, but I don't really care.

Happy end of the month everyone.

Wish

MSE September Goals

Mop pot: £351.72 :j :j:j:j
1) Nice round number: £28.53/£28.53 :j
2) Interest added: £34.02/£34.02 :j
3) £400 capital reduction: £129.26/£129.26 :j
4) MFW 2018 monthly target: £23.19/£23.19 :j
5) £30k mortgage balance: £136.72/£136.72 :j
6) £400 from 1p challenge :j :j :j

13 step plan
£400/£570 (massively overshot mop pot targets, so this is all ok)

NSDs
11/16 have lost count really. Not really being a good mse-er at the moment.

1p a day challenge
365/365 - done & not doing again....
End of challenge.

Evening all,

Into October and I've started the month with an nsd.
Mortgage interest hasn't been finalised yet, so targets need tying down totally (best guess so far below, but will be revised)

Mum and dad here, packing done for work trip and alarm set for 5am, so, on that note. Night all.

mse October Goals

1) Mop pot £300
£56.42/£300

2) 13 step plan
£120/£620

NSDs
1/16

Not a nsd, but things arein check, which is great. I'm now home for a few days whilst we pack and sort the house out. My parents leave tomorrow so I can get the house straight. Don't need a huge amount of food this weekend (I hope) then we're away with family for near enough 2 weeks then on holiday. Need to speak to hubby about what we are going to do about food while we're away (take with us or an on line shop)

In other news, Work have confirmed an increase in my hours for next year. It could be around £200 a month increase in my take home pay - not to be sneezed at especially as our child care bill will go down this time next year too.

Lazy day tomorrow. Everyone is tired.
Sleep well.

Wish

mse October Goals

1) Mop pot £300
Interest added £59.25/£59.25 :j
Nice round number £23.91/£29.26
£400 capital reduction £100
Mfw2018 monthly target £26.49
10% annual overpayment £85.00

2) 13 step plan
£120/£610

NSDs
2/16

Another nsd today. Doing REALLY well this month (mostly thanks to the generosity of my parents) today Pickle and I went to an exhibition with my parents, dad is the chair of one of the societies represented. Far too geeky for me, but Pickle loved it (boys and their toys!)
Anyway, I did take £50 out of the bank this morning in case I saw something for Pickle for Christmas, but the cash is still all in my purse. I'll use it for food spends over the coming week. This evening I need to 'fly' round the house. Sooo much to do. I also need to do my prep for the church service tomorrow. Then hopefully not too late into bed tonight.
I spent some time this morning adjusting my targets for this month due to reaching my 10% mortgage overpayment allowance.
See below! Hoping for another nsd tomorrow too.

Wish

mse October Goals

1) Mop pot overpayment allowance reached for the year
Interest added £59.25/£59.25 :j


2) 13 step plan
£155/£810 (18%)
Some mini targets to keep me motivated:
0/£25 - next brick on the mop pot house
£300- £5.5k in offset pot
£100 - another brick on countdown house
£295- target reached

NSDs
4/16