Taking it slowly, but doing it well.

wishingthemortgaheaway · 3 May 2018 at 10:33PM

Hello again...
It's amazing what can happen over 3 g&t s...
I thought about where the iPad could be, it was - 3 days of the 1p challenge done

The phone company has published my bill - under budget so a decent tilly tidy to be made both to step 13 (commercial cleaning) and the mop pot.

It's a shame my cashback hasn't appeared in my account as yet - oh well it will give me some financial juggling another day.
Wish

mse May Goals

1) Mop Pot (Target total £241.72)
Interest added: £40.40/£65.63
£400 capital reduction: 0/129.26
Mfw 2018 target amount: 0/£15.11
Nice round number: 0/£31.72

2) 13 Step plan funding
£210/£872*

3) nsds
3/16

4) 1p a day challenge
6/32

5) use the debit card
0/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target)

wishingthemortgaheaway · 4 May 2018 at 10:47PM

Evening, it looks like everyone else is out having fun this evening, not many diary updates at all.
I've been running around like a crazy one trying to get sorted to go away for the weekend tomorrow. Everything is sorted, apart from packing my clothes. Typical!!

Money wise - low spend at Mum's coffee then Big spend on a professionally made birthday cake for hubby. After all, you are only 40 once right? And that's it. This weekend could be very cheap (if ive, by some miracle planned properly) or more likely it's going to be very spendy Never mind,birthdays hey??
3 days of the 1p challenge done
Tilly tidies made
Still waiting on cashback to be paid (£30)
Still waiting for cheque refund from train tickets (£30ish)

A week into May already... only an entire month to go!
Wish

mse May Goals

1) Mop Pot (Target total £241.72)
Interest added: £45.65/£65.63
£400 capital reduction: 0/129.26
Mfw 2018 target amount: 0/£15.11
Nice round number: 0/£31.72

2) 13 Step plan funding
£210/£872*

3) nsds
3/16

4) 1p a day challenge
9/32

5) use the debit card
1/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target)

wishingthemortgaheaway · 5 May 2018 at 10:54PM

Urgh, crazy spendy day today. We are away, in one of our favourite places, with friends, for hubby's birthday. £40 in a 'top up shop' of forgotten and fresh stuff (no discount supermarket or any of the 'top 4' here.
£20 in cash for 'bits'
£90 in wool for some upcoming baby blanket presents. Extortionate yes, but the wool is beautiful. I may have to divert some of this month's extra income to general spends categories, but we shall see. Night all. Very tired.
Wish

mse May Goals

1) Mop Pot (Target total £241.72)
Interest added: £47.16/£65.63
£400 capital reduction: 0/129.26
Mfw 2018 target amount: 0/£15.11
Nice round number: 0/£31.72

2) 13 Step plan funding
£210/£872*

3) nsds
3/16

4) 1p a day challenge
9/32

5) use the debit card
2/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly) - put my size 14 cropped jeans on today. Wearable but snug.

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target)

wishingthemortgaheaway · 6 May 2018 at 9:48PM

Evening all, I'm lying here in our accommodation melting. We've been coming to this particular Lakeland town for years, this is one of the best weather weekends we've ever had. Hubby climbed a mountain, me, pickle and friends walked around some water.
A nsd. No 1p challenge, so, no tilly tidies either. Tomorrow is packing up and cleaning the accommodation, brunch out and then heading home. Busy week work wise this week, then a busy birthday week. Squeak squeak everyone.
Wish

mse May Goals

1) Mop Pot (Target total £241.72)
Interest added: £47.16/£65.63
£400 capital reduction: 0/129.26
Mfw 2018 target amount: 0/£15.11
Nice round number: 0/£31.72

2) 13 Step plan funding
£210/£872*

3) nsds
4/16

4) 1p a day challenge
9/32

5) use the debit card
2/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target)

pinkypig · 7 May 2018 at 7:18AM

Not often you have a splurge Wish so enjoy it

. 98% thrifty with the odd conscious spend is the secret of your mfw success:)
Well done on your jeans challenge:j

PP xx

wishingthemortgaheaway · 7 May 2018 at 8:02PM

pinkypig wrote: »

Not often you have a splurge Wish so enjoy it . 98% thrifty with the odd conscious spend is the secret of your mfw success:)
Well done on your jeans challenge:j

PP xx

Thanks PP, you are right, I do rarely
Splurge and I was expecting this weekend's and month to be expensive.
Two birthdays are not helping. Haven't sorted hubby's girts properly yet, I do have the Christmas/birthday fund, but trying not to raid it as if I can take money from revenue rather than capital I'm better off long term. The wool is my major weakness though. It is so lovely to knit with.

wishingthemortgaheaway · 7 May 2018 at 8:09PM

Back home now and still melting. A lovely weekend with amazing weather. I spent £37 on brunch this morning but my friend has already given me their family's share £20, so I've got that as cash that will be spent in dribs and drabs over the week.
I know many debt busters exclusively use cash for spending, but I find it much easier to fritter away cash than cards (I think it's becuaae I YNAB everything, but don't track cash in YNAB life is too short for that for me. )

Once we were home I played with Pickle in the paddling pool for the rest of the afternoon and I'm now going to bed because I ache all over.

3 days of the 1p challenge done. Tilly tidies made and ynab up to date. Shame I've got a washing mountain and the house is a tip. But that will all keep for tomorrow.

Enjoy the bank holiday sunshine.

Wish

mse May Goals

1) Mop Pot (Target total £241.72)
Interest added: £48.29/£65.63
£400 capital reduction: 0/129.26
Mfw 2018 target amount: 0/£15.11
Nice round number: 0/£31.72

2) 13 Step plan funding
£210/£872*

3) nsds
4/16

4) 1p a day challenge
11/32

5) use the debit card
3/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target)

wishingthemortgaheaway · 8 May 2018 at 4:28AM

Urghhhhhh has the temperature dropped at all overnight? I'm lying here, listening to the dawn chorus and can't even find a cool side to the pillow. There is no breeze which I think is the biggest issue.
Pickle is, thankfully still asleep, but he's had quite an unsettled night. I haven't had to get up to him, but he's been very vocal and wriggly. I was a little worried he may wake up cold in the night as he's in short sleeved pjs and the thinnest gro bag we have. Looks like I made the right choice.

Anyhow! Have not wasted my awakeness. Checked the bank accounts (TSB down) and my £Co cashback has landed in my account £30 to the 13 step plan. Car has it's mot today. There is £280 in the maintainence pot. Hopefully that will be sufficient, if it isn't then I'm going to have to raid the 13 step plan pot as there is no wiggle room anywhere else. I'm hoping I won't need to spend other than that. Will just have to wait and see.

mse May Goals

1) Mop Pot (Target total £241.72)
Interest added: £48.29/£65.63
£400 capital reduction: 0/129.26
Mfw 2018 target amount: 0/£15.11
Nice round number: 0/£31.72

2) 13 Step plan funding
£240/£872*

3) nsds
4/16

4) 1p a day challenge
11/32

5) use the debit card
3/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target)

wishingthemortgaheaway · 8 May 2018 at 5:46PM

Well today has not gone to plan and I don't really know where to start.

Here goes:
7:30 am have to wake a very grumpy & clingy Pickle, he did not want to wake up.
8am take excess cardboard to the tip for recycling while hubby takes Pickle to the Childminder's.
8.20am, hubby rings me - Pickle threw up on Childminder's front step and he was bringing him home (which means no Childminder's tomorrow either)
8:30 go to drop off car for mot a time the garage - mechanic oversleeps, doesn't arrive until 8:45.
9:00 get home (walked back from Garage) Pickle having a melt down over something. Hubby and I tag team sitting in the sofa with him all day - This now means I'm going to have to make my work hours up over nap times and evenings all week.
11:30 - Garage ring. Car failed mot on several points. Will be a minimum of £591 to fix :eek: can't get it finished today, so will need to work out someway of picking the car up tomorrow with Pickle unwell, and car seat in hubby's car at the house.

I have given up on today.

Money news:
£6.07 in groceries to see us through the next few days (hopefully not much else needed this week)
Car maintainence pot currently only has £280 in it - £311 short. If I wam from the 13 step plan I'll be -£71 for this month's challenge - I could cry. Think I'll have to hit the survey's and bump some sale posts to try and cover the £71 at least.

mse May Goals

1) Mop Pot (Target total £241.72)
Interest added: £48.29/£65.63
£400 capital reduction: 0/129.26
Mfw 2018 target amount: 0/£15.11
Nice round number: 0/£31.72

2) 13 Step plan funding
£240/£872*

3) nsds
4/16

4) 1p a day challenge
11/32

5) use the debit card
3/20

6) save the £2 coins (update monthly)

7) get in size 14 jeans (update monthly)

*This is the amount I need to add into the 13 step plan for each of the next 27 months in order to achieve the ultimate goal (this is on top of the £210 mop pot target)

wishingthemortgaheaway · 8 May 2018 at 8:04PM

Ok, just spent some time looking at the the 13 step plan amounts.
There is good news even though I'm going to spend out nearly £600 on the car tomorrow.

The good news is.... even if I don't make up any of the money I've taken out of the plan for the car, by the end of the month I am still on track to hit my goals, I'm just not as far ahead in the plan as I thought.

Also, I'm going to pay for it on my credit card, so that will be lots of lovely points on my reward card.

Phew.... doesn't mean I'm not going to try hard for the rest of the month though. (Haven't factored in hubby birthday pressies yet).

Taking it slowly, but doing it well.

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