Taking it slowly, but doing it well.

Oh look, I've done it again. Another nsd!! Good job I'm doing well this end of the month and with trips away starting on Wednesday and lasting pretty much the rest of the month, I don't suppose there will be many more.
I worked this morning, I need to do a bit this evening to give me a head start for tomorrow, but other than that all is well in the world of work. Packing for going away on Wednesday and the tidiness of the house are a complete other matter. I'd like to have another declutter blitz of a few rooms, but that isn't going to happen until at least November now.
I did ring the mortgage company today to check my actual overpayment amounts, I have got a little bit left so I will aim to pay up to the maximum by the end of this month and then pay the maximum off again in 2019. 2020 is a 'short' year as our fixed rate ends in the July. And I've had enough. £25 being transferred from everyday spends to the 13 step plan. I want to colour another brick in! So that's 41% of the count down house covered!

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:
£25 £25 - next brick on the mop pot house (21%) :j
£300- £5.5k in offset pot
£100 - another brick on countdown house
£295- target reached

NSDs
6/16

As predicted I did spend today £50.01 on fuel then £14ish on breakfast :eek: :eek: for me and Pickle at a motorway service station. Yes it wasn't the cheapest option, but we both ate well. And we were there for over an hour which can ya both a break during our 6 hour journey. I'm workin tomorrow, will aim for a nsd, but, you never know.

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:
£25/£25 - next brick on the mop pot house (21%) :j
£300- £5.5k in offset pot
£100 - another brick on countdown house
£295- target reached

NSDs
7/16

well, what started as an excellent month is soon decending into near disaster. Sister in law's wedding and some time in the Big smoke socially as well as for business has put a big dent in the monthly Finances and that's without our proper holiday next week. All will be fine, I can juggle and wam. Part of the overspend is fuel for the work trips, I've done a lot of miles for work that will be reimbursed at the end of the month, that, along with all the overtime money will be lovely. I've also just been booked for another 3 day's over time next month, along with another reasonably long visit so high fuel costs again, but high expenses again too. Hopefully, with these two months of additional pay the average monthly amount needed for the 13 step plan will drop a bit and I can start to get a little bit ahead.

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:
£25/£25 - next brick on the mop pot house (21%) :j
£300- £5.5k in offset pot
£100 - another brick on countdown house
£295- target reached

NSDs
8/16

So, half a week since my last post and the smugness of the first week of the month has hit me. Financials are (ynab) disasterous. Every single one of the everydays spends pots are overdrawn and we are on Holiday this week. A me A food shop was delivered to the cottage this evening - nearly £80 and really not a lot to show for it.
I've precooked two lots of attraction tickets for the week and various other spends. I'm not going to wam as yet. My wage slip, with lots of overtime on it will be generated the early part of the week and I also have expenses pending for the start of next week too. The rest of this week shouldn't cost me much. I've got all the food in and 2 days worth of entry tickets are paid for. I am at 'sack it' point. Ok my mfw dreams take a bit of a hit, but next year should be better as I'll have more hours for work, which is looking like approx £200 a month extra before any expenses and overtime.

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:
£25/£25 - next brick on the mop pot house (21%) :j
£300- £5.5k in offset pot
£100 - another brick on countdown house
£295- target reached

NSDs
8/16