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  • FIRST POST
    • Needhelpsaving
    • By Needhelpsaving 14th Nov 16, 5:58 PM
    • 747Posts
    • 3,147Thanks
    Needhelpsaving
    Getting back on the MFW Wagon
    • #1
    • 14th Nov 16, 5:58 PM
    Getting back on the MFW Wagon 14th Nov 16 at 5:58 PM
    Hi

    I have attempted this MFW wannabe journey before, with little success and after reading so many threads on the forum, would like to try again.

    Looking back, trying to start a MFW challenge with a newborn was possibly not the best time for me as I had made grand plans, just when our income was decreasing.

    A little bit about us, I am 29, have an OH 34 and a LO aged 3. We bought our home 8 years ago and have a mortgage of 80,000, a family loan of 7,000 and 0 in savings

    Our first goal is to save a 1500 Emergency Fund by the end of February, whilst staying on track to pay off family loan (on target to pay off in June 2017).

    I have finished all my Christmas shopping, except 1 gift, so should be on track to save a decent chunk of my salary next month (I work part-time).

    I need to stay accountable in this journey and what better way than to publish it on the internet?!
Page 17
    • Needhelpsaving
    • By Needhelpsaving 23rd Sep 18, 9:04 AM
    • 747 Posts
    • 3,147 Thanks
    Needhelpsaving
    It's payday tomorrow! I know I have been too frivolous with last months pay, as i've been on countdown to the next payday

    I will be withdrawing the cash for the first weeks spends tomorrow and have made the grocery list and meal plan for the week ahead (this includes the demands for money from the school - harvest festival goods, school fund contributions etc).

    I must admit, I did have to laugh when they sent a letter home saying they wanted to celebrate the harvest festival and the hard work of the farming community, but wanted only tinned goods/pasta/long life goods, no fresh foods such as fruit/veg/eggs etc ... anyone know a baked bean farmer?

    Jobs for the week ahead;
    Grocery shop
    Get a refund on an unused item
    Continue with free activities to entertain DD's.
    Target 1b (revised) - Emergency Fund Currently 10,000/10,000

    Target 2b (revised) - Pay Mortgage Down to 55,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 58,667.91 (06/10)
    • earthgirl
    • By earthgirl 23rd Sep 18, 11:04 AM
    • 2,162 Posts
    • 23,929 Thanks
    earthgirl
    That is so funny! I always used to get sent to school with a massive marrow. Every year and it was the two mile walk to school with it that was the killer!
    15/5/12 Paid off Mortgage 1 (220k) Bought Dream House Dec 13 - Mortage 2 -116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k 5k Travel savings 3203/5k
    • Needhelpsaving
    • By Needhelpsaving 23rd Sep 18, 1:07 PM
    • 747 Posts
    • 3,147 Thanks
    Needhelpsaving
    That is so funny! I always used to get sent to school with a massive marrow. Every year and it was the two mile walk to school with it that was the killer!
    Originally posted by earthgirl
    That's really tickled me!

    I have settled on a bag of porridge oats, as at least I can explain to my five year old where they have come from and that they were actually grown by a Scottish Farmer.

    I have fond memories of primary school, but the world has changed completely - for example next terms topic is 'Superheroes'??? I'm just going to lump that under the heading of 'mythical creatures (but dressed in lycra and other highly flammable materials)'
    Target 1b (revised) - Emergency Fund Currently 10,000/10,000

    Target 2b (revised) - Pay Mortgage Down to 55,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 58,667.91 (06/10)
    • Needhelpsaving
    • By Needhelpsaving 26th Sep 18, 8:07 PM
    • 747 Posts
    • 3,147 Thanks
    Needhelpsaving
    Pay day shuffles are all done - 200 OP, 100 to wedding fund and replacement tyres for OH car.

    October and November are the months of MOTs, so OP's are a little more restrained around these times.

    Meal plan and food shop done, just need 1 bottle of milk which I will buy tomorrow.

    House repairs/maintenance fund will be dipped into this week as window handle has broken - the handle moves, but the mechanism doesn't, glazer called and will be over sometime this week, workload permitting.

    All ticking along here, money wise.

    Hope everyone is well.
    Target 1b (revised) - Emergency Fund Currently 10,000/10,000

    Target 2b (revised) - Pay Mortgage Down to 55,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 58,667.91 (06/10)
    • Needhelpsaving
    • By Needhelpsaving 28th Sep 18, 1:16 PM
    • 747 Posts
    • 3,147 Thanks
    Needhelpsaving
    Happy Friday!!!

    Things have been moving along slowly but surely here ... mount washmore is still being scaled, but i'm almost there and i'm still on track to stay within the budget for this week. I have 1.82 left which will cover the loaf I need to pick up tomorrow.

    The window handle has been fixed and the front door job sorted by glazer - 30 from house repair fund. I withdrew 100, so clearly over estimated this!

    I have done the meal plan for next week and have done a click and collect order for the non-perishable bits I need (to be collected Monday), the other items will come from the local farm.

    The item return has been moved to Monday next week, as if i'm honest, i'm worried that if I go to the local shopping centre, my willpower will crumble and "i'll just pick up this or that while i'm here"

    I have found some more stuff to sell, so will list that over the weekend - however, i'm struggling with people trying to take the mick - I was selling one thing for 10 collection only, a lady offered me 7 including P&P costs!!!??? Do people actually READ these days?

    Hope everyone has a great weekend x
    Target 1b (revised) - Emergency Fund Currently 10,000/10,000

    Target 2b (revised) - Pay Mortgage Down to 55,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 58,667.91 (06/10)
    • Needhelpsaving
    • By Needhelpsaving 2nd Oct 18, 7:38 PM
    • 747 Posts
    • 3,147 Thanks
    Needhelpsaving
    Weekly shop has been done, within budget and I even have 8 change left to pay the window cleaner without going back to the bank

    I have also been gifted a shed load of unused body butters/scrubs from my mum who doesn't really use these bits of her bath sets. I insisted she kept a few expensive bits, but have totted up the rrp and transferred that from my personal savings to my wedding savings - as I see it as a saving (might be weird logic to some, but it keeps me motivated ).
    Target 1b (revised) - Emergency Fund Currently 10,000/10,000

    Target 2b (revised) - Pay Mortgage Down to 55,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 58,667.91 (06/10)
    • Needhelpsaving
    • By Needhelpsaving 8th Oct 18, 10:06 AM
    • 747 Posts
    • 3,147 Thanks
    Needhelpsaving
    Good Morning.

    It's beginning to feel rather autumnal - I had the heating on over the weekend (only on manual) as the weather forecast is saying it's likely to get warmer again.

    Weekly shop will be done today in line with the meal plan. The meal plans are working well at the moment, I just need to be mindful that I will need some variety to keep OH on board.

    Spends over the weekend were a chinese takeaway (a very nice treat for us) and two new school cardigans for DD1 (that is a whole other story ).

    We watched 'Drowing in Plastic' on catch up yesterday evening with DD1 - blimey that gave us food for thought and was particularly sad to hear a five year old's take on it ... i'm not getting all political ... but it's certainly worth a watch and has prompted us to think about our home

    10 cash in my purse for the week.

    Car in for service and MOT on Wednesday (Fingers Crossed )
    Last edited by Needhelpsaving; 08-10-2018 at 10:12 AM.
    Target 1b (revised) - Emergency Fund Currently 10,000/10,000

    Target 2b (revised) - Pay Mortgage Down to 55,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 58,667.91 (06/10)
    • Needhelpsaving
    • By Needhelpsaving 10th Oct 18, 11:36 AM
    • 747 Posts
    • 3,147 Thanks
    Needhelpsaving
    Good Morning!

    Yesterday was an NSD

    Today will be spent at home getting bits and bobs done. Car has been dropped off for MOT, one tyre needs to be replaced and has been factored into the budget.

    A couple more things have been found to list for sale. I have a few watchers on items, but no bids as yet - it'll all come good in the end
    Target 1b (revised) - Emergency Fund Currently 10,000/10,000

    Target 2b (revised) - Pay Mortgage Down to 55,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 58,667.91 (06/10)
    • Needhelpsaving
    • By Needhelpsaving 13th Oct 18, 1:06 PM
    • 747 Posts
    • 3,147 Thanks
    Needhelpsaving
    Hi!!!

    Busy morning of balancing the books/accounts, meal planning and ordering groceries for next week.

    We are at the end of the grocery budget, with payday w/c 22/10 we are doing ok.

    Car service and MOT done, needed a new tyre and bulb. The cost was covered by my personal savings account. Although we did have over 1000 worth of 'ambers' listed on the service sheet, so this is something for us to be working on just in case.

    The plan is to run this car into the ground before replacing, but likewise we don't want to be throwing good money after bad, so will need to keep an eye on how things progress.

    A few bits on ebay have watchers, only 1 has bids, but i'm hoping that will change overnight before the items end

    Right off to do the ironing. Have a great weekend.
    Target 1b (revised) - Emergency Fund Currently 10,000/10,000

    Target 2b (revised) - Pay Mortgage Down to 55,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 58,667.91 (06/10)
    • Needhelpsaving
    • By Needhelpsaving 13th Oct 18, 4:58 PM
    • 747 Posts
    • 3,147 Thanks
    Needhelpsaving
    Soooo ... the ironing has been postponed as I fell asleep and have woken up to OH cooking us all a curry

    I did list a few more bits and pieces on ebay this afternoon and will add some more to ebay/shpock tomorrow to keep the momentum going.

    5 cashed out on RecieptHog earlier in the week, which has now landed in my paypal account and I am about 100 points off a 5 paypal from SB. All of these bits and pieces will be sent towards the wedding fund.
    Target 1b (revised) - Emergency Fund Currently 10,000/10,000

    Target 2b (revised) - Pay Mortgage Down to 55,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 58,667.91 (06/10)
    • Needhelpsaving
    • By Needhelpsaving 15th Oct 18, 2:35 PM
    • 747 Posts
    • 3,147 Thanks
    Needhelpsaving
    Hi.

    Sunday went well, a quiet day at home, so it was an NSD (as was Saturday).

    Three bits sold on ebay yesterday- one is still awaiting payment and I will chase this evening if still outstanding. The other two were posted this morning and I underestimated the postage costs on one item, so that has eaten into the profit. Not ideal, but I know for next time.

    The grocery shop for this week has been done and other than ebay postage, I am not anticipating any other spends.
    Target 1b (revised) - Emergency Fund Currently 10,000/10,000

    Target 2b (revised) - Pay Mortgage Down to 55,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 58,667.91 (06/10)
    • Needhelpsaving
    • By Needhelpsaving 23rd Oct 18, 10:30 AM
    • 747 Posts
    • 3,147 Thanks
    Needhelpsaving
    Good Morning.

    I haven't posted for a little while, as to be honest, there wasn't much to report.

    As we head towards payday, I have checked all of the accounts and made sure they're all where they should be in terms of funds.

    I have done the grocery shop for the week, which has come in at 5.35 under the budget (however I did forget cereal and squash, so this should cover these items that I can't stretch out until next week's shop).

    I have received payment for the item that was sold on Ebay last week and that, along with a second item sold over the weekend were posted yesterday

    I have cashed out 5 on SB, just waiting for it to hit my PP account and i've done two small typing jobs this morning to keep me moving forward. I sometimes struggle to do these with the LO's needing my attention, but I think it just takes time to get into a routine of sorts? I will persevere.

    Today's jobs
    1. Clean kitchen (mop floors, wipe down cupboards, check what items may be needed this month in terms of cleaning products etc).
    2. Take back library books.
    3. Pop to aldi for cereal and squash. 3.61 spent.
    4. Ironing to be done and put away.
    Last edited by Needhelpsaving; Today at 11:47 AM.
    Target 1b (revised) - Emergency Fund Currently 10,000/10,000

    Target 2b (revised) - Pay Mortgage Down to 55,000 by 31/12/18 Was 71,006.49 (01/01/18) Now 58,667.91 (06/10)
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