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  • FIRST POST
    • Needhelpsaving
    • By Needhelpsaving 14th Nov 16, 5:58 PM
    • 758Posts
    • 3,163Thanks
    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 18
    • earthgirl
    • By earthgirl 28th Oct 18, 8:02 AM
    • 2,222 Posts
    • 24,392 Thanks
    earthgirl
    Thanks NHS, hope you are getting enough rest!

    Thats a great amount to bring in extra.

    I contacted tax people about tutoring and got the info in writing so that I knew it was ok - but I'll have to contact them again - good reminder.
    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 29th Oct 18, 7:44 PM
    • 758 Posts
    • 3,163 Thanks
    Needhelpsaving
    Hi.

    Took yesterday off and had a very lazy day - the late nights and early starts had started to catch up with me, so I had a rest day (and it was very much enjoyed).

    I have spent today catching up with ironing (i'm a thrill seeker, what can I say? ) and made chocolate brownies with DD1 ... that are disappearing very quickly.

    Accounts have been checked and are all in line with the budget

    Hope everyone is well.

    Right, off for a cuppa.
    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 5th Nov 18, 8:20 AM
    • 758 Posts
    • 3,163 Thanks
    Needhelpsaving
    Morning!

    Low spend week over the half term week, which was great. Grocery shop was done on Saturday and came in on budget (it included light bulbs and stuff too, so quite pleased).

    We did go to a local fireworks display on Saturday, which we all enjoyed and was budget friendly.

    Yesterday was an NSD and today will be a LSD as have to get some childrens paracetamol from the pharmacy.
    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 6th Nov 18, 7:45 AM
    • 2,222 Posts
    • 24,392 Thanks
    earthgirl
    Could you get the medicine on the minor ailments scheme?
    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 10th Nov 18, 5:26 PM
    • 758 Posts
    • 3,163 Thanks
    Needhelpsaving
    Hi.

    This week has been very low spend, with the exception of next weeks grocery shop, which was done early as we have quite a busy weekend.

    Most of the week has been spent at home due to DD1 having a bug. All better now, but it has meant that all bar one day so far have been NSD's

    We have a planned spend tomorrow as we are out with family, this has been budgeted.

    I have done some typing work, but not as much as I would have liked with DD1 being unwell, but I will try to pick up a bit extra next week.
    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 11th Nov 18, 8:14 AM
    • 2,222 Posts
    • 24,392 Thanks
    earthgirl
    Sorry to hear about dds bug, hope family day was good.
    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 13th Nov 18, 8:09 PM
    • 758 Posts
    • 3,163 Thanks
    Needhelpsaving
    Happy Tuesday!

    The weekend went by in a flash - very busy, but ended up being quite frugal. There was no movement in my accounts and I think OH spent 5 of his personal money.

    The family meal we had planned was very generously paid for by a family member - it was a lovely gesture that was much appreciated.

    Into this week and I have done the grocery shop - it was a well planned top up shop that came in at 12.01

    At present, I have no other spends planned - only if something unforeseen arises.

    Have a great week!
    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 Nov 18, 2:38 PM
    • 758 Posts
    • 3,163 Thanks
    Needhelpsaving
    Well, I have officially lost my mojo, i've become really tired this week. Hopefully a slight change in diet and a few early nights will combat this.

    I have managed to make myself useful today and have done a thorough clean of the living room, including washing cushion covers etc to keep the housework ticking over.

    I have also made a list of jobs to be done around the house, as we have a number of jobs that we've been putting off/procrastinating about (some bigger than others), but hopefully the list will allow us to get jobs completed and ticked off bit by bit. Shamefully the list includes the 3 jobs that I put on our goals for 2018 - redecorate the hall/stairs/landing, replace dining table and get blinds fitted in the kitchen

    Tomorrows goal - clean out kitchen cupboards (wipe out, organise etc).
    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 17th Nov 18, 10:38 AM
    • 758 Posts
    • 3,163 Thanks
    Needhelpsaving
    :Good Morning!

    So, yesterday was quite productive (well, as productive as it could be with a baby ).

    I got cracking on the jobs list I made on Thursday and I put grout reviver on the kitchen wall tiles to make the grout white again, it tends to get a bit dingy after a while and I thought it made a huge difference

    I also cleared and wiped out two kitchen cupboards - they have been re-organised and all items replaced where they need to be. I have done DD1 craft cupboard (again) this morning - this is something that will need to be done regularly as she seems to hoard all sorts in there.

    Today I will wipe out the kitchen drawers and two remaining cupboards. Tomorrow's jobs will be cleaning out the fridge freezer and seeing what we have as we move into the festive season - I would like to think about doing some batch cooking to make life more streamlined/nutritious. Plus I need to action some paperwork that has for the moment, just been placed in a pile so I know where it is when I come to work through it.

    I'm feeling more inspired by just powering through a couple of days.

    I hope everyone has 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 20th Nov 18, 9:17 PM
    • 758 Posts
    • 3,163 Thanks
    Needhelpsaving
    Hello!

    Just dropping in with an update to keep me on track. The last couple of days have been less productive, but I have still managed to get jobs ticked off the list.

    All kitchen cupboards and drawers have been emptied, cleaned and sorted - the fridge freezer is still to be sorted, but I have been working my way through the contents of the freezer using all those odds and sods that are lurking.

    I also managed to list about 5 things for sale - so basically everything is moving (slowly) in the right direction.

    Have a great week!
    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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