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  • FIRST POST
    • Needhelpsaving
    • By Needhelpsaving 14th Nov 16, 5:58 PM
    • 775Posts
    • 3,202Thanks
    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
    • 2,317 Posts
    • 25,032 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 Travel savings £19,185
    • Needhelpsaving
    • By Needhelpsaving 29th Oct 18, 7:44 PM
    • 775 Posts
    • 3,202 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 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • Needhelpsaving
    • By Needhelpsaving 5th Nov 18, 8:20 AM
    • 775 Posts
    • 3,202 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 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • earthgirl
    • By earthgirl 6th Nov 18, 7:45 AM
    • 2,317 Posts
    • 25,032 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 Travel savings £19,185
    • Needhelpsaving
    • By Needhelpsaving 10th Nov 18, 5:26 PM
    • 775 Posts
    • 3,202 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 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • earthgirl
    • By earthgirl 11th Nov 18, 8:14 AM
    • 2,317 Posts
    • 25,032 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 Travel savings £19,185
    • Needhelpsaving
    • By Needhelpsaving 13th Nov 18, 8:09 PM
    • 775 Posts
    • 3,202 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 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • Needhelpsaving
    • By Needhelpsaving 15th Nov 18, 2:38 PM
    • 775 Posts
    • 3,202 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 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • Needhelpsaving
    • By Needhelpsaving 17th Nov 18, 10:38 AM
    • 775 Posts
    • 3,202 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 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • Needhelpsaving
    • By Needhelpsaving 20th Nov 18, 9:17 PM
    • 775 Posts
    • 3,202 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 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • Needhelpsaving
    • By Needhelpsaving 24th Nov 18, 8:11 PM
    • 775 Posts
    • 3,202 Thanks
    Needhelpsaving
    Hello!!!

    A busy few days in the NHS household - payday has been, money has been sent to various accounts for bills, savings (Wedding Fund) etc.

    Last week the kitchen cupboards were emptied and cleaned and I have stocked them up with non perishable items. I will need to buy some perishable items as we go through the month (with the exception of week before xmas - I am going no where near a shop as they are bedlam!). But we have a good stock of staple items that in some cases, may well see us through longer than a month.


    In other money news, my parents are putting towards a big present for DD1 and gave me their portion of money today , this will go into the wedding fund, as we had already bought the item.

    We do have a couple of family outings planned for Dec, but we have tried to keep it fairly budget friendly by doing one big outing (e.g. breakfast meet up) with multiple family members from each side. Other than this, we will probably go out one morning to do a santa visit with the girls in the local town, but that's it really.

    The only other thing we may have to keep an eye out for is the school events, they are having a school fair, but not sure what date, so will put £5 by for DD1 (she is given a budget and has to decide what she wants to use it on, otherwise I just become a bottomless money pit and get a house full of carp).

    Hope everyone is keeping warm x
    Target 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • Needhelpsaving
    • By Needhelpsaving 28th Nov 18, 9:07 PM
    • 775 Posts
    • 3,202 Thanks
    Needhelpsaving
    Hi

    I noticed this week that my diary is 2 years old! Where has the time gone?

    To keep us motivated on our journey through life (and our attempts to make moves towards financial security/independence), I wanted to post this as a reminder of where we started and how far we have come.

    So, in November 2016, we started this diary as a family of three with £0 savings, £7,000 owing to family and an £80,000 mortgage.

    Two years down the line, we have added to our little family and are now a family of 4 , we have £10,000 in an emergency fund and the family loan has been paid off. As well as this, we have paid our mortgage down to just over £58,000 and are currently cash-flowing our wedding plans.

    What a difference two years makes!

    Thank you to everyone who has joined us and motivated us on our journey (including all of you who's diaries I regularly stalk ), this community is truly inspiring xxx
    Target 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • greent
    • By greent 29th Nov 18, 10:55 AM
    • 7,733 Posts
    • 78,837 Thanks
    greent
    Wow - that's brilliant progress in 2 years!! Well done! x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £421.46/£5K
    Net sales 2019 £33.81/£500
    • earthgirl
    • By earthgirl 29th Nov 18, 7:24 PM
    • 2,317 Posts
    • 25,032 Thanks
    earthgirl
    That is amazing progress! What has had the most impact?
    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 Travel savings £19,185
    • Needhelpsaving
    • By Needhelpsaving 30th Nov 18, 1:43 PM
    • 775 Posts
    • 3,202 Thanks
    Needhelpsaving
    Thanks for stopping by Greent and Earthgirl, it's lovely to *see* you both.

    Earthgirl, your question has really made me sit an reflect.
    I think that all of the things we have achieved have impacted us in different ways.

    DD2's arrival has been fantastic for us all, and it has been great to see DD1 step into the role of big sister, even if it does mean she's growing up far too quickly for my liking

    In terms of the finances, paying off the family loan was probably the most important part for me, as even though it was never an issue for the other party, we always felt like we had it hanging over us in a way.

    Then to grow our emergency savings has also meant that we have an element of security - we still have a long way to go to achieve financial freedom, but it has been a big step and the situations that would have previously caused us stress/got us into a hole financially, are now more like inconveniences (and we are very aware of how fortunate a position this is).
    Target 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • Needhelpsaving
    • By Needhelpsaving 2nd Dec 18, 8:38 AM
    • 775 Posts
    • 3,202 Thanks
    Needhelpsaving
    Good Morning x

    Yesterday was an NSD and I sold three items online, one needs to be posted tomorrow, one has already been collected and one is due to be collected today.

    I also cashed out £1.24 on Quidco, all of the money will be going towards the wedding fund.

    I do have about £20 worth of spends planned today, this has been budgeted. Other than this, the day will be spent getting ready for the week ahead.

    Have a good one, whatever you're doing x
    Target 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • Needhelpsaving
    • By Needhelpsaving 5th Dec 18, 7:45 AM
    • 775 Posts
    • 3,202 Thanks
    Needhelpsaving
    Good Morning!

    Just popping in with an update. All three items sold over the weekend have been paid for and then either collected or posted. All money made was sent to wedding fund.

    I have listed 3 more items/bundles, reviewed and removed some bits that just weren't selling (these were sent to charity shop). I have sorted 2-3 more items/bundles to be listed this week, hopefully I can shift some of these bits before xmas.

    Grocery shop was done yesterday;

    £5.80 spent in tesco (0.75p to be claimed back from shopmium).

    £3.45 spent in M&S - yellow sticker meat, which is now in freezer and some clementines. Should have been £10.45, but I used £7 reward vouchers to reduce bill. Plus, the clementine box is quite sturdy (like a thin wood), so I will be using it to keep some loose papers in DD1 craft cupboard together

    £32.44 spent in Aldi on some baking items, tonnes of fruit, cereal, yogurts, eggs etc.

    We are sticking to the meal plan, which is great, but still need to be mindful of food waste.
    Target 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • earthgirl
    • By earthgirl 6th Dec 18, 2:50 PM
    • 2,317 Posts
    • 25,032 Thanks
    earthgirl
    Do you have a weekly meal plan you alternate? Or just plan with what's there?
    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 Travel savings £19,185
    • Needhelpsaving
    • By Needhelpsaving 7th Dec 18, 6:48 AM
    • 775 Posts
    • 3,202 Thanks
    Needhelpsaving
    Hi EG,

    I do meal plan our evening meals, but the food waste bit comes from not using fruit and veg quickly enough/not storing them properly and not using up leftovers.

    I have started to store potatoes and root veg in the fridge, as I was keeping them in a cupboard, but it was clearly too warm in the kitchen (I don't have anywhere cool and dark like a garage or anything) and the veg was going off/rotting/sprouting.

    I have some potatoes in the fridge that have been in there for 2 weeks and I used them last night, no sprouting/rotting etc.

    I basically need to be more inventive/ look for better solutions to stop me from throwing food away. While my waste isn't as much as some people, I am becoming conscious of how much waste we create as well as the money that's being wasted.
    Target 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
    • Needhelpsaving
    • By Needhelpsaving 9th Dec 18, 7:24 PM
    • 775 Posts
    • 3,202 Thanks
    Needhelpsaving
    Evening all.

    I hope everyone is having a good weekend.

    We have had a fairly busy weekend, which is likely to continue now on the run up to xmas festivities.

    I have checked the bank accounts and have had to move some money around as I have overspent on food this month with stocking up - this is poor money management on my part.

    I have managed to list more bits for sale though and one is being collected and paid for tomorrow - long may this continue!

    In other news, the rising damp has returned - I thought that us having replaced the drain pipes at the back of the house (which were donkeys old cast iron/plastic mixture) that I had sorted it. No such luck. We are probably going to have to call in the professionals as the patch has
    not only grown now the cold weather has arrived, but another patch has appeared elsewhere.

    I am taking the view that the pipes needed replacing anyway and they led us to find a broken pipe under ground level that could have caused subsidence had we not discovered it. It's like whack a mole! you fix one thing, another pops up.

    I need to start thinking about the goals I want to set for 2019 and dream up ideas of how to get there.
    Target 1 - Wedding Fund Currently £185.00/£10,000

    Target 2 - Pay Mortgage Down to £30,000 by 31/12/19 Mortgage Starting: £58,073.00 Currently: £58,073.00
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