The mindful MFW: A healthy, happy journey to a mortgage free life!

I came on to confess how I haven't even been thinking about money this month, and found all these lovely comments. Thank you! Although I definitely feel like a fraud now Will reply to you all in a mo.

I've just put September's current account spends into YNAB but as both our cards for this account stopped working I'm afraid there's still quite some more work to do! The most horrific thing is clothing, £160(!) as needed three pairs of kids shoes, 5 pairs of school trousers for DS as ones order in July are too long, and a major charity shopping spree for clothes for me. I had been feeling terribly guilty about this but over the weekend I swapped out my summer clothes and sorted out the rest of the wardrobe and there is probably only one £2 item I've bought this year that might end up back at the charity shop. My wardrobe is now full, but not busting, and I'm really enjoying having a fun selection of clothes that fit me to choose from. In a strange way I feel like I'm gaining my personality back, I feel more me than I have done in years. Having done Project333 in the past it feels quite uncomfortable to have 70+ items of clothing, but I've realised that I don't need to feel guilty, I just need to enjoy (and hold back on any more purchases for a while). I have a casual winter coat (£8.75) but may need a more work appropriate wool one, that's the only gap I can spot in my wardrobe at present.

Spotted a £50 Beetee charge instead of usual £15, after 1.5hrs on the phone to 4 different departments it turns out I accidentally had a double discount applied to my account for the last year or so, and I'm getting a £10 rebate as a good Will gesture for the hassle of all the calls. I've also been offered a £23 monthly cost for 18 months which I'm going to make my mind up about this evening and call back tomorrow. At least it's better than £50pm! That's why I love YNAB, without it there is no way I would scrutinise my outgoings.

We've got enough money in the holiday budget for an extra jaunt (apart from our Normandy Oct break!) so have just finalised a swap to Belgium for New Year:j!

XSpender wrote: »

Hello I've been reading your diary from the beginning this week and picked up some good tips. Lemon drizzle banana cake is now on my list of new things to do with dodgy bananas

Glad you've found some useful gems amongst my utter drivel :rotfl:, and let me know how you get on with the banana drizzle.

jodles16 wrote: »

Have just caught up with your diary, holidays all sound amazing, pleased that your DS is getting some support via DLA. It makes sense if it allows you to more comfortably work three days a week!


Very impressed by all your finacial planning, amazing!


Jodles

Hi Jodles, lovely to see you here and thanks for reading my diary. I'm good at the financial planning but then seem to only stick to it for half the month :rotfl: so I'm hoping to address this tendency, but with kindness and compassion rather than self flagellation which is my usual trick and just makes me contrite for a bit, then do it again!