Taking it slowly, but doing it well.

Today has been a low spend rather than no spend day. I didn't buy enough fondant icing sugar to cover the Christmas cake, so had to go out and purchase a pack of ready made stuff to add to it. I also bought more milk. If it snows like crazy tonight, the plan is to go out sledging tomorrow afternoon and I want to have plenty of milk to be able to. One in and drink big cups of hot chocolate and eat homemade shortbread biscuits. (I made the biscuits today)
Today I've also fake marzipaned & iced the Christmas cake - I have a nut allergy so can't go anywhere near marzipan, but found a recipe in line for a cake marzipan made of semolina flour, icing sugar & butter. Seemed to have worked ok.

Today has also consisted of much tidying, but the house still looking a mess and laundry. That never ending cycle of despair.

So, despite not being a nsd I haven't touched the bank accounts so no changes at all to the info below.

How dull?

Wish

MSE December Goals

1) Reduce Mortgage capital by £600
Target 1: interest added £16.12/£70.66
Target 2: next brick on the house £0/£2.11
Target 3: £400 capital reduction £0/£100
Target 4: £500 capital reduction £0/£100
Target 5: £600 capital reduction £0/£100

2) Emergency fund back up to £700
£12.74/£92.74

3) Surveys, cashback, sales etc. £4.58/£50
£4.58 - Shopmium

4) 15 NSDs
3/15

As predicted today was not a no spend day, but it wasn't a hugely spendy day either.
£8 to a friend to buy some trousers for Pickle that her little one has outgrown.
About £20 on the food shop for the week
Household good has taken another hit due to Nappies, but we're still on track.
A few Christmas bits bought and about £80 left in the Christmas pot.
I'll Tilly tidy tomorrow when I get on the computer. (Going to mum and dads this weekend, where I left my iPad so can do my Tilly tidies on there from Friday)

Hopefully a run of nsds coming up.
Wish

MSE December Goals

1) Reduce Mortgage capital by £600
Target 1: interest added £16.12/£70.66
Target 2: next brick on the house £0/£2.11
Target 3: £400 capital reduction £0/£100
Target 4: £500 capital reduction £0/£100
Target 5: £600 capital reduction £0/£100

2) Emergency fund back up to £700
£12.74/£92.74

3) Surveys, cashback, sales etc. £4.58/£50
£4.58 - Shopmium

4) 15 NSDs
4/15[/QUOTE]

Yay! Another nsd today. Can I make it three in a row by having another one tomorrow? I really hope so. (I'm getting just a little bit competitive with myself about these nsds.
I did half a day's supply teaching today, most definitely a case of 'keep them alive for a few hours, it's the crazy Christmas period' I survived, timesheet has been submitted, money should be in my bank the end of next week.

I've also sold an item on 'the boot sale app' so, if that's collected, it will be £3 in the mop pot - not a lot but 'every little helps' I'm keeping the bits I've got for sale up for sale at the moment, but I might find a friend to do a 'live' car boot with me next spring. I've definitely got enough stuff to do it with and, what doesn't go can be dropped at the charity shop on the way home.
Hubby actually mentioned the word 'moving' last night (when I complained about the damp in the front wall) so, I definitely want to crack on with the decluterr as that will make moving easier and increase the equity a tiny amount.
We should get £100k for our house - I wouldn't take less than £95k for it. It does need a new kitchen & there is a bit of damp, but it's all easily fixed - I think we should get the damp done though.
Mortgage is currently standing at just over £35k, so we are looking at equity of about £65k.
I think we need to have about £10k in cash as a 'moving pot' for fees and expenses, so need to check with hubby how the savings are looking for that.
We have quite a specific wish list for our next home, due to hubby's self employment - no flight cases in any room I'm going to use, so we are going to be quite limited.
We need to write our 'non-negotiables' and our 'it would be nice' lists.

Tonight involves packing to go away at the weekend and prepping for my work visit tomorrow (overtime plus expenses) and attempting to keep warm.

Have a lovely evening everyone.

Wish


MSE December Goals

1) Reduce Mortgage capital by £600
Target 1: interest added £18.62/£70.66
Target 2: next brick on the house £0/£2.11
Target 3: £400 capital reduction £0/£100
Target 4: £500 capital reduction £0/£100
Target 5: £600 capital reduction £0/£100

2) Emergency fund back up to £700
£12.74/£92.74

3) Surveys, cashback, sales etc. £4.58/£50
£4.58 - Shopmium

4) 15 NSDs
6/15

not a no spend day today as I thought the bespoke Christmas cards I was collecting were prepaid by hubby, turns out the weren't.... so I made the situation worse by stopping for fast food drive through on the trip to mum and dads that should take two hours, but today took nearly 4.

The sold item was collected, paid for and the money has been added
To the mop pot along with today's Tilly tidy.

Hair chop tomorrow for both me and hubby, will be about £40 total. Then santa special train with the family incthe afternoon. Pickle is going to love it (apart from Father Christmas, meeting him at playgroup on Thursday did not go well.


MSE December Goals

1) Reduce Mortgage capital by £600
Target 1: interest added £21.62/£70.66
Target 2: next brick on the house £0/£2.11
Target 3: £400 capital reduction £0/£100
Target 4: £500 capital reduction £0/£100
Target 5: £600 capital reduction £0/£100

2) Emergency fund back up to £700
£12.74/£92.74

3) Surveys, cashback, sales etc. £7.58/£50
£4.58 - Shopmium
£3.00 - boot sale app sale

4) 15 NSDs
7/15