misscousinitt's MF Diary
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Yay its Friday!!!!! Boo...its peeing it down!
Directors Report finished - tried to upload and it wouldn't let me as our income was less than £25k for the year! So completed the annual return and that was all I had to do. Glad its done out of the way though as we have our AGM coming up where the report will be presented to the Charity Membership.
Going to count our 50ps later as I am curious to see if we have another £20. Also must do a spreadsheet for DH to see our money building up - he says he trusts me and that he's not worried about it - but this contradicts the conversation we had a couple of weeks ago! Going to do it anyway!
Grocery shop so far:
£14 on Cat Food last week - special offers and £4 off voucher.
£25.52 in Herr A last night - got 3 bags of shopping for that, was quite impressed.
Mr T tonight. Will just about spend the £40 I need to get my £6 off - got a few coupons too so hoping the spend will be quite low tonight - not bad for a big shop!! Will also be getting my first £5 of savings stamps for 2014!
Tonights meal will be Turkey Stroganoff (one of DHs favourites - he's been feeling down and hopefully this will help cheer him up!)
Tomorrow I am doing us a Chinese meal (as its Chinese New Year weekend). HM Prawn Toast with Sweet Chilli Sauce followed by HM Chicken Chow Mein (another DH favourite).
Hope everyone has a great Friday and a great weekend - hope the rain stops - its yuk!
MCIMortgage Free x 1 03.11.2012 - House rented out Feb 2016
Mortgage No 2: £82, 595.61 (31.08.2019)
OP's to Date £8500
Renovation Fund:£511.39;
Nectar Points Balance: approx £30 (31.08.2019)0 -
Happy Friday mci. Thank you again for the pm xMFW.....Apr 33 Aim - Dec 260
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Have a good weekend MCI
Tilly x x2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
Well its Monday again...
Need to add £50 as DHs deposit will have gone in now.
Still need to count up 50ps in Penguin Pot - this will more than likely be the only other deposit this month.
Mr T shop was £28 on Friday (after taking off 2 cards and Mum's tights) - managed to get to £40 to minus £6 and had some other coupons too. Really pleased with this: approx £72 so far and I have bought all the major stuff - just the weekly top up shop required and something nice for us to eat on Valentines Day (think I am going to do Duck Ragu - just need 2 duck legs for that).
Charity meeting tonight - so Spag Bol from the freezer with garlic bread for tea.
Meal plan is going quite well - managed not to deviate so far!
Dry here at the moment, but pretty sure that will all change soon.
Hoping everyone has a good week.
MCIMortgage Free x 1 03.11.2012 - House rented out Feb 2016
Mortgage No 2: £82, 595.61 (31.08.2019)
OP's to Date £8500
Renovation Fund:£511.39;
Nectar Points Balance: approx £30 (31.08.2019)0 -
Charity meeting was pants! Not going to rant as it just makes me feel worse...
Been to get my MissNext order - can't wait to see if my shoes actually fit!
Out with my cousin tonight. Going to a Tapas restaurant (2 tapas for £5 on a Monday & Tuesday) - so should be a fairly cheap night out. Looking forward to it - so nice to catch up with family.
MCIMortgage Free x 1 03.11.2012 - House rented out Feb 2016
Mortgage No 2: £82, 595.61 (31.08.2019)
OP's to Date £8500
Renovation Fund:£511.39;
Nectar Points Balance: approx £30 (31.08.2019)0 -
Absolutely delish tapas meal last night and quite MSE too - worked out £15 per head including drinks and a tip -not too bad at all! Good compnay too - always good to catch up with my cousin and her husband.
Nothing really to report except got to go to Mr T tonight on the way home to get some bread.
Turkey Dinner tonight, with roast parsnips, lemon & rosemary sprouts and roast potatoes. Might use the pack of value stuffing I found in the cupboard too...
Happy Hump day everyone - can't believe Wednesday is here again already.
MCIMortgage Free x 1 03.11.2012 - House rented out Feb 2016
Mortgage No 2: £82, 595.61 (31.08.2019)
OP's to Date £8500
Renovation Fund:£511.39;
Nectar Points Balance: approx £30 (31.08.2019)0 -
I was looking back over my diary from about 12 months ago as I wanted to know when we decided to knock the house hunting on the head and therefore when we set our first target for house fund savings - it appears that it will be 12 months this month! We were saving before this, but I really can't believe that in a little over a year we are going to hit our target of £15k. (our regular payment at the end of Feb will do the trick!)
Not sure how we have actually achieved this - it just happened - but it does show what you can do when you put your mind to it. I do realise that I have been lucky enough to put lumps on money in from dividend, bonus and inheritance - but even if you take those deposits away, the amount we have saved has been incredible.
So we are coming up to the end of stage 2a and 2b beckons. Excited!
MCIMortgage Free x 1 03.11.2012 - House rented out Feb 2016
Mortgage No 2: £82, 595.61 (31.08.2019)
OP's to Date £8500
Renovation Fund:£511.39;
Nectar Points Balance: approx £30 (31.08.2019)0 -
Wow - well done.
And what is phase 2b?Re-mortgaged 20/04/12 MTiT-T3 No.7Start balance £89611.10 + £22500 = £112111.10/Current balance £85436.53
Original Mortgage Free Date April 2032
Target Mortgage Free Date July 2022/Currently August 2029 (based on no offset)
Total overpayments from 20/04/12: £8152.950 -
Thanks megela.
I decided to split my stage 2 (which is saving house deposit) into a, b, and c
a = minimum deposit I would want to have before moving £15k
b = ideal deposit £21k
c = ideal deposit + rennovation/decoration/furniture money £31k (not sure will get this far! but good to aim high)
Any shortfalls on these would need to made up with personal savings between us.
Good to see that written down actually...
MCIMortgage Free x 1 03.11.2012 - House rented out Feb 2016
Mortgage No 2: £82, 595.61 (31.08.2019)
OP's to Date £8500
Renovation Fund:£511.39;
Nectar Points Balance: approx £30 (31.08.2019)0 -
misscousinitt wrote: »
Not sure how we have actually achieved this - it just happened - but it does show what you can do when you put your mind to it. I do realise that I have been lucky enough to put lumps on money in from dividend, bonus and inheritance - but even if you take those deposits away, the amount we have saved has been incredible.
There is a saying; "The harder I try, the luckier I get"....
Well done!"Have nothing in your houses that you do not know to be useful, or believe to be beautiful." William Morris0
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