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    • squirrelgirl
    • By squirrelgirl 12th Mar 17, 3:44 PM
    • 205Posts
    • 1,224Thanks
    squirrelgirl
    Squirrelgirls MF quest
    • #1
    • 12th Mar 17, 3:44 PM
    Squirrelgirls MF quest 12th Mar 17 at 3:44 PM
    I am venturing into the MF Wannabe world!!

    I have recently come to the end of my mortgage deal and have got a new one which runs to the 31st March 2019. My plan is to clear my mortgage on 1st April 2019

    I have an offset mortgage, so I can spend between now and then either paying off the capital or putting the extras into the offset savings - knowing me, it will probably be a combo of both as I really like seeing the figure I owe drop (it's a psychological thing!! ) until I get close to the end, then it will have to go into the savings so that I don't accidently pay it of too soon and end up with early repayment charges

    My mortgage is actually due to finish in 2024 - and although I have paid a considerable sum off over the past 5 years or so, I haven't made any op's for about 2 years as I took a break from work. I have several things that I need to sort financially between now and the end of November, so my bigger op's won't start till then, but I am going to make every effort to put at least 50 extra per month towards it until then.

    My ability to save money on food and household products is limited as I don't use supermarkets and buy everything as ethically as possible - this means that I am going to have to be creative and stretch what I have as far as possible I do have a massive stockpile of dried goods and a freezer full of stuff so I am going to be able to minimise my spends over the next month or so.

    I will go over my 'bills' budget too and see where I can make savings - I currently overestimate everything bill wise and can probably reduce the amount we put in by at least 10 - once I have checked out what is in there, I will tilly-tidy the surplus and make a start!

    I am reasonably confident that I will be getting a very small pay rise in April and hopeful that dh will too, so am intending to put that towards the mortgage - we have a persie amount each which is adequate for now so I'm happy to utilise any increases we have for op's.

    Right, off to check out the bill account and see what I can do!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
Page 2
    • squirrelgirl
    • By squirrelgirl 18th Sep 17, 4:15 PM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    I've been a bit stupid financially over the past week or so but I'm back on the wagon today!!

    I went a bit loopy on dd's birthday and ended up spending a great deal more than I intended but I have paid cash for it all - it means that I won't have as much to put to the overpayment but that's the only thing that will be affected. If I'm honest, I'm slightly annoyed with myself but it was spent on others and we had a really lovely day so I'm not bathed in shame!!

    Other than that, I have been reasonably good - not as good as I could have been but I've been crazy busy (hence not being on the boards much recently) and other than the birthday, I've pretty much spent nothing other than my necessary fuel top ups for the car and some snacks (which I shouldn't have bought )

    I am going to be able to op around 200 at the end of the week...I haven't looked at my mortgage balance since I was last on here - I think that I will check it at the weekend and set myself a little mini-target to the end of the year. I know that I have to have some cash for solstice - we have decided on a 'slush fund' which we will put into each month and things like birthdays, solstice, family stays etc will come out of that. We are going to keep it in the offset so that it helps with our ops though! we also have a few social engagements over the next few months which we will need additional cash for as they will require overnight stays so this will hopefully cover the bulk of those too. The additional food and drink costs will be met by our persie cash though - I'm not going to use other funds for that!

    I have to go away fairly soon for work - it will mean an initial outlay but I will get the majority of it back - I have decided that I am going to put 20% of any expenses I get into the op's from next month. The petrol allowance I get covers most of the car expenses I have and as I use cash for everything, the money is put aside, petrol bought and expense forgotten about. Saving 20% of what I get later won't seem like a hardship

    Right, I'd better go and get a jumper on....it's getting chilly with the wind picking up but I'm avoiding putting the heating on for now
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 23rd Sep 17, 10:39 AM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    Morning fellow MFW's

    300 to the mortgage today! 200 off the balance and 100 to the offset I have to see the balance coming down...I know that it's not necessarily financially the best option but it is as far as keeping myself motivated goes

    We have a gig to go to which we intended to stay over for, but we have decided that as it is within a reasonable travelling distance, we are going to come home afterwards...it's a very mature decision and it's starting to scare me!!

    I have a been let down as far as one of the items I had ordered for the living room so I have also made the decision to go for the much cheaper option for the time being and once the mortgage is paid I will get the bespoke one made - that will hopefully free up an additional 500 + to put to the mortgage I am going to have a really frugal October wherever possible - this month didn't go to the original plan but I'm set up ready for October - I know exactly how much I have to spend and I'm sticking strictly to my budgets....no excuses this time - I have nothing that I cannot live without for a month and I will have fulfilled most of my social engagements by then. I want to be able to pay a chunk off as I'll need slush fund money for solstice

    Right, I'm off to read the boards.....have a fab weekend!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 4th Oct 17, 3:33 PM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    Oops!! went out yesterday with dd and dgs - ended up buying toys and clothes!! Oh well, that's what grandbabies are there for I suppose...it just means that I'll have to be really good for the rest of the month!!

    I've cooked food for tonight purely from stocks - I spent 15 on nuts yesterday to make my 'goats' cheese but there is enough there to last me the next 6 - 8 weeks so not a massive expense really. I think that I will be able to eat from stores for the rest of the month but we will see how it all goes....I am still hoping to be able to put some additional cash to the mortgage later in the month but will it will definitely be less than originally intended!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 15th Oct 17, 4:36 PM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    Okay, the front room is practically done!1

    The curtains and pole have arrived, the radiator cover is on order and I have finally made a decision (a temporary solution) on the fireguard. I have spent pretty much all that I need to now on this so it's a case of being able to start on the mortgage. I'm pretty happy about this but then the old spanner gets thrown in the works when the decision is made that it wouldn't take a lot to get the bathroom done and it would make a huge difference to the house.

    The decision has not yet been made - in all honesty, I could do it with the cash that I have from October and a bit of Novembers - it would make a huge difference and it already is the next thing on the list but I was so close to starting to make a difference to the mortgage, I can't decide on the best way forward!

    So, that's currently where I am....things are going according to plan pretty much, I just need to make this decision!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • debtfreeforlife
    • By debtfreeforlife 21st Oct 17, 9:10 PM
    • 152 Posts
    • 927 Thanks
    debtfreeforlife
    Hi squirrel, followed you here from your other thread, hope that's ok! Am interested to see how you save, as a fellow veggie/vegan MFW I have some of the same issues re reducing grocery spends!

    Did you make your decision? That's a tricky one, not sure what I would do either!
    GC Feb 18: 204.97/200 | Mar 18: 207.93/200 | Apr 18 165.53/200.00
    • squirrelgirl
    • By squirrelgirl 11th Nov 17, 8:02 AM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    Hi dffl ... lovely to see you!
    Yes, the decision was made and the bathroom is being ripped out and replaced mid December!

    It is a double edged sword but I am paying cash for all of it and it means that I can begin next year with the knowledge that other than my dh's car which will probably need replacing in April, all of my money can go to the mortgage It will make dh really happy too and it hasn't been done since the house was built in the early 50's so it is in dire need!

    My plan is to really hit the mortgage next year - I'm intending to be mortgage neutral by next December ready to clear it when the fixed term is up After that, I'm having the rest of the work done on the house then starting my travel plans

    I've got to get myself firmly back on the money saving tracks to achieve it, but I'm confident that I will make it....just got to get through these next couple of months then it's full steam ahead!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • michelle09
    • By michelle09 11th Nov 17, 11:41 AM
    • 790 Posts
    • 4,416 Thanks
    michelle09
    Wow, looks like you're on track to do brilliantly well. New bathrooms are wonderful, hideously expensive, but it makes life so much nicer.
    • mortgage_girl
    • By mortgage_girl 12th Nov 17, 8:55 AM
    • 852 Posts
    • 3,916 Thanks
    mortgage_girl
    Just wanted to stop by and say hello. I'm aiming to be mortgage neutral by next December too, so I'll be following your thread with interest.

    MGx
    2018: 1313.85 / 9,300
    2017: 7646.64 / 11,000 2016: 4557.98 / 11,000 2015: 10,230.37 / 11,000 2014 =6703.26 / 11,000 2013 = 4288.51 / 8000 2012 = 1600/5000 2011 = 2579/3000
    MF date was Nov 2041 - now April 2022

    • squirrelgirl
    • By squirrelgirl 28th Nov 17, 1:30 PM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    So, after making the decision to do the bathroom, we have decided that next year, rather than go on a massive holiday and pay off the mortgage in April 2019, we are going to do the house up and skip the holiday until the work is done and the mortgage is paid off! Admittedly, the cost is not too dissimilar but it's definitely not the same so I have a lot of work to do if we are to succeed!

    I don't mind waiting for the holiday - I have recently had a reason to look at my lifestyle with a critical eye and realise that I need to change it. I have been incredibly lucky health wise but I know that I have taken it for granted for as long as I possibly can so I have to start being kinder to myself and respecting what I have.

    It also brought to mind that we can manage on one salary - including paying the mortgage off and all the bills plus having a reasonable amount for fun. The additional salary now is for things like overpaying the mortgage, redoing the house & garden, going on holidays etc. It makes sense that while we have the luxury of doing so, we should spend the money on the house first - if anything happened to either of our roles, we would at least be able to live in our personal sanctuary - the memories of a holiday are lovely but rarely daily for long

    The final salary of this year is already spoken for so its going to be a 15 month quest - Jan 2018 to March 2019 - save 19k to offset/pay off mortgage & 15k for home improvements. It's possible but certainly incredibly stretching - I really am going to have to be massively creative to make budget savings which will allow for this but I'm reasonably convinced that we can do it. Anything left over from December salary will go towards it too - I know what I need to achieve so now I've just got to get on with it. I am still going to buy ethically - I'm not going to change my ethical stance on anything, I'll just have to stretch what I have and be adventurous! I will do my best to keep this diary updated at least twice a week - it's an important part of maintaining motivation regardless of if I'm the only one who reads it. I have, many times, been re-directed to the course when I have realised how far I have come and the ways I have travelled. It's part of keeping focus and being mindful of how any decision may affect the outcome I ultimately want.

    I want to live in my personal sanctuary and own it all outright by April 2019 without compromising my personal ethics.

    Everything that I do from today has to be part of that. However hard this is going to be, I am absolutely determined to do it. I am going to work out my maximum budgets for Solstice and then the menu & shopping list. I am going to use as much from the house as possible - it's going to be lovely but I'm going to do it in as money saving way as possible. I will minimise expenditure wherever possible - I know that I have been careless with cash over the past few months but I also didn't have a definite plan in my head with a timeframe. Now I do, I can buckle down and get things sorted.

    Sorry for the long post - just had to get this down while I have the clear plan in my head!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 12th Dec 17, 12:05 PM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    bathroom renovations are now in full flow and all my social functions for the year have been completed

    I still haven't decided on the solstice plans....we are going to have a small 'do' on the day itself and then have a big celebration the following weekend...I was planning on going through the cupboards this week to decide on what to cook but I can't get into the kitchen at the moment as it's full of my bathroom fittings

    Money wise, I have to get this month out of the way (major travel issues on my London jaunt this weekend meant it ended up a great deal more expensive than expected) so I don't think I will be able to start the new year with as much as I had hoped as the credit card took a bit of a hit however, I think I can still clear it all and start January fresh....

    I haven't put anything additional to the mortgage this month, but I am still determined to get the whole thing paid and the house sorted by April 2019....onwards and upwards as they say!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 17th Dec 17, 3:12 PM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    Bathroom done and paid for! I'm happy with the result and things are getting back to normal... I have had a really lazy weekend..I needed the proper break after a long run of busy weekends so I have no regrets about wasted time

    I am feeling pretty good about where I'm heading now...I know where I am financially and I'm in the right place to live frugally for 15 months...

    I want to achieve this more than anything else at the moment..it's such a short period of time yet will have such an impact on my quality of life it's worth any temporary discomfort I may experience....and I do expect it to be pretty uncomfortable for a good few weeks!

    However...the rewards will be more than worth it!!

    I will check the mortgage balance on 1st January, work out 15 months interest and add that plus 15k for renovations and that will be my target. It begins on 22nd....
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 20th Dec 17, 7:50 AM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    I have my spending diary at the ready!!

    I've been thinking a lot about the next chapter on my journey....it's going to be an exciting but difficult year with a complete change of lifestyle for me although I have spent wisely in many ways this year (paid off the od; the cc; bought a car; new sofas, carpets, curtains etc for the front room and a new bathroom) I have also wasted shed loads of cash I don't feel too bad about it if I'm honest...having two years away from work left me needing to enjoy the freedoms that two salaries brings and I've done that as well as sorting the stuff that needed doing

    Spending pretty much as I wanted this year has also given me the boost I need for the 15 months ahead....I know that I can live differently and I'm at a place where I want to now - if I hadn't had the opportunity to blow out occasionally this year, I'd probably feel resentful about the financial restrictions I am imposing upon myself in the future.

    I'm really looking forward to the time off work ahead....it will give me the opportunity to plan ahead and get a complete handle on my finances....I will be starting my new year on Friday with nothing outstanding, a full amount of cash in the food and petrol budgets and plenty of food in the house I had oil delivered last week, I've stocked up on bird & squirrel food and I've got enough alcohol in the house to keep me going until I return to work

    I can't wait!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • greent
    • By greent 20th Dec 17, 3:02 PM
    • 7,153 Posts
    • 72,834 Thanks
    greent
    Sounds great, sg 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. 2018 OPs (#18) 2772.47/4000
    Net sales 2018 558.92/1000 PAYDOX18 (#15) Done 18918.90
    • squirrelgirl
    • By squirrelgirl 21st Dec 17, 7:50 AM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    Happy Solstice!!!

    I've been busy over the past 24hrs...all shopping for the rest of the year completed, most of tonight's dinner prepared and the credit card bill paid in full!! Tomorrow I start with a clean slate and a purpose!!

    Only two more working days and then peace and tranquillity for almost a week....I'm really desperate for this break...it's been a really long year!!

    On the money front, I need to shop around for a new broadband supplier...mine changed hands and the bill increased by 50% which I'm not impressed with!! on the plus side, I've had a small pay increase so I will have a few extra pennies to throw at my challenge!

    Right, better get ready for work...have a fab day!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 24th Dec 17, 5:37 PM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    solstice is done and my shopping for 2017 complete!!

    I am having a totally relaxing day....I need to clean the house following yesterday's celebrations and I need to do my food inventory, menu plans and budgets but it can all wait until tomorrow...I've just had enough - the past few days have been really lovely but busy and I just need today as some proper me time...this morning was sorting the basics out and saying goodbye to the visitors, this afternoon has been completely relaxing and doing nothing. This evening will be a combination of snoozing and watching bits of dvds or whatever dh watches...tomorrow, I am going to have a mega lie-in and then sort the house and the inventory etc.....

    My determination to succeed over the next 15 months is absolute - nothing will be putting me off what I need to do. I'm turning into a total bore with all this money saving stuff but I'm pretty convinced that it's worth it!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 25th Dec 17, 3:50 PM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    happy Christmas!!

    The inventory is done - we'll be having at least one dish a week based on nori and one with polenta for the next few weeks!! I'll also need to do one seitan dish per week to use all that up - I'm going to do slow cooked seitan in red wine later in the week to use up some that I have in the freezer and a bottle of red that dh won in the works crimbo raffle

    I have basically sorted the menu - it follows my new rules:-

    1. A minimum of two meals per week entirely from stores
    2. Every other meal using a minimum of two items (other than spices/stocks) from stores
    3. No waste allowed - all leftovers 'recycled'; any veg or fruit that is not usable prior to it being past it's best will be either pickled, turned into jam or chutney, dehydrated, frozen etc....
    4. All items, wherever possible, to be locally produced and in season (current 'use up' period will allow for exotics as I already have them in stock but I'll only buy local fresh produce whenever I can)
    5. Every expense accounted for and no spur of the moment purchase allowed. If I see something I want, I will give it a 24hr cooling off period before I make a purchase. I will keep a spending diary daily.

    I am going to be draconian for the first three months - it takes that long to build a new way of life apparently and the first 28 are the worst - I am happy to ride that wave of discomfort with the knowledge that in 66 weeks, my mortgage will be paid off and my home will be how I want it to be. I can deal with that....it's not a great deal of time in the big scheme of things and it is worth the ride.....I've just got to stick with the plans and keep my eye on the prize1
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 26th Dec 17, 2:02 PM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    Inventory's done, menu plan for the next week done using only stuff in stock and the budgets sorted. I have had a good day!!

    I've had the convo with dh - he is totally on board so no struggles there really - keeping him on track will be an ongoing battle but at least he's happy with the way I'm thinking!!!

    I have a mountain of things to eat in my head - weekends, I will sort my beans - pressure cook then put into portion sizes in the freezer. It's a minimum of one nori based meal and one polenta based meal a week to get some of the older stock gone....that suits me down to the ground as I love Japanese food and it's great for lunches. I have a soup mug now for work too, so ramen and sushi leftovers for lunch sounds great!! Soup will be a once a week cook on a Saturday - I am going to do our shopping on a Tuesday night from now on - it's a night that I don't see my grandbaby, the weekend food will have been sorted and leftovers eaten on the Monday so Tuesday seems like an ideal time. I will cook on a sunday for Monday and Tuesday's food - then Wednesday to Friday will consist of some sort of pasta dish on one day and probably a curry of some description, plus something from the freezer - I can then start again on the Saturday. I know it all sounds very regulated but I really think that it's the only way that I am going to be able to get through the next three months spending the absolute minimum - sometimes regularity is the way to go.

    So;;;;;
    sundays - lunch - soup; dinner - sushi & ramen
    Monday - lunch - leftover sushi & ramen; dinner - polenta & sauce + salad
    Tuesday - lunch - leftover polenta, sauces & salad, dinner - lentil dish
    Wednesday - lunch - leftover lentil dish, dinner - veggie dish
    Thursday - lunch - leftover veggie dish; dinner - pasta
    Friday - lunch - leftover pasta; dinner - curry
    Saturday - lunch - leftover curry; dinner - grains & beans

    It sounds pretty boring, but I will jazz it up - the veggie dishes will include potato cake with chutneys'; lots of interesting salads will also be made and I will be creative in all the dishes I make to ensure I don't die of boredom!! It's going to be easy to use stuff up this way and will definitely minimises what I am spending....it's all for the greater good!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 27th Dec 17, 6:44 PM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    Tonights dinner was lush!!
    I cut figs in half, drizzled with maple syrup, covered with finely chopped vegan chorizo & feta plus fresh basil then whacked in the oven for 25 mins...omg...beyond gorgeous and used up the figs, the remains of the chorizo and basil and some leftover roast parsnips went with it so very frugal!!

    Tomorrow I am using up the opened nuts and seeds, the remains of the yeast free bread and vegan cheeses plus some leeks, cranberries and herbs to make a roast - I'm serving it with sprouts, potatoes and roasted beetroot.

    Friday I am at work then out at a friends so dh will eat any leftovers- Saturday will be butternut squash & red bean saute with buckwheat and millet.

    Absolutely all of this is from stock so I'm definitely on track to do well in week 1!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 30th Dec 17, 9:25 AM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    Went to work - managed to clear absolutely everything that I had outstanding so will be starting fresh next week!!

    I didn't go to my friends - too much illness around so spent the night in front of the fire with a glass of loveliness I finally feel like I am on holiday now....the past few days my head has been spinning with budgets, plans etc and I haven't really relaxed....now that it is all done and I know exactly where I am heading and how to get there, I can finally switch my head off!

    I'm having a lazy day today....I'm going to make some soup, pop up to the farm shop to see if they have their bargain onions in (I can sometimes get a sack for 2.50 - I then prepare and freeze them so that it's easy to grab a bag and put some food together) put another fire on and spend the day doing very little!

    No more news on the mortgage front - I have looked at the budget for bills and although I could probably reduce what we are putting into it, I have decided against it - I like to have a buffer just in case and the additional cash in the account allows me the peace of mind that makes me happy - I have decided on a maximum limit though so once it gets to that, I will transfer any excess to the mortgage. I put my expenses in yesterday (won't be paid them until the end of Jan) so I am pretty confident that we will meet the additional 265 in January with the cash that dh will put to it. Obviously, the more we can do early on, the better. Dh normally has to do some overtime in March/April for stocktaking so anything he gets from that will also go towards the total....I was debating whether to put the 'free' months of council tax and water to the savings but I have decided to leave them in the bill account so that I can get to my target quicker there! It's all very complicated!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • squirrelgirl
    • By squirrelgirl 7th Jan 18, 12:30 PM
    • 205 Posts
    • 1,224 Thanks
    squirrelgirl
    Happy new year!!

    It's been a good start to the year - although I have spent a lot more of the grocery budget than I wanted to so far, I am still on target to meet the monthly requirement so not all bad... in all honesty, I have an unexpected but very welcome houseguest at the moment so I bought a lot of nibbles etc along with other food for dinner last night and breakfast this morning which has had a huge impact on the figure but I can make any shortfall up from my persie if necessary.

    I have finally cleaned my house to a standard I am happy with (motivated by the imminent arrival of the houseguest! ) ; I'm up to date and on top of things at work; I've made soup and a casserole for lunch and dinner today (leftovers will be used tomorrow); I am doing well on NSD's and I am taking in lunch plus using up some of the teabags I have so minimising the lattes I'm pretty impressed with my first week of progress

    I have checked my mortgage balance and my interest is now down to 1.06 per day so I'm happy with that - I will obviously pay less as the savings build in the offset for the house improvements so I can't wait to start to get that put in!

    Right, guest is out of the shower and roaming now so I'd better go and do some hostessing!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
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