Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Jul 17, 7:39 PM
    • 1,215Posts
    • 5,569Thanks
    wishingthemortgaheaway
    Taking it slowly, but doing it well.
    • #1
    • 13th Jul 17, 7:39 PM
    Taking it slowly, but doing it well. 13th Jul 17 at 7:39 PM
    Good evening all,

    I'm rejoining this thread and you lovely people after a break of a few years.

    I've got a new user name, but only because I can't get back into my old account. (My old diary was called 'Today is not a NSD'

    I've kept the start of my username the same, so it's still a big wave hello from me, Wish.

    A quick (I promise) update from me.

    I'm about to turn 35 (still wish I was 25)

    I now have a 1 year old little boy - Pickle

    I'm currently on extended maternity leave/career break/unemployed (I took the statutory maternity pay from my high pressured, long hours, no social life job, handed my notice in whilst on mat leave and , because I didn't take any occupational maternity pay, I didn't have to repay any money. )

    Husband is still a freelance audio visual engineer in the entertainments industry

    Still in our 2 bed Victorian terrace, which we still love.

    We still want to be mortgage free, but it's going to take a little longer than we thought when I was last here.

    So, why am I back?
    I need some motivation and some accountability, need to get back on the no spend days. Need to curb some bad financial habits that have crept back in.
    Need to lose some weight - nsd will help by no cake shop stops or treats from the discount supermarket at the end of the road.

    I'm at the end of my maternity savings.

    When I found out I was pregnant I stopped overpaying the mortgage and diverted all that cash into a maternity leave 'fund' to that I added my statutory maternity pay as it came in, £5k from an inheritance and a £5k gift from my parents.
    The total of those savings have allowed us to live as we were for 15.5 months without hubby having to contribute anymore to our household expenses than he had previously.

    I am very pleased with what we have achieved. But, that 'half month' is August and then the money is gone, I have no income and we will have to manage on hubby's self employment earnings.

    I am meant to be applying for agency work, in my field, for 3 days a week from September. It's not happened yet due to hubby being run off his feet with work. I'm not worried about this, I will sort it when I can.

    We have no debts, other than our mortgage (which currently stands at just less than £37k and has 12years 3 months left to run)

    We receive child benefit, but nothing else (previous warnings have been too high to receive tax credits or anything else)
    We have no family living nearby, so will need to pay out for childcare come September for 3 days a week, as I'll be agency and hubby is self employed we can't get childcare vouchers, but should be able to open one of the new tax free childcare accounts saving us 20% on childcare costs, which will be around £120 a week.


    This is what I already do:

    YNAB all my accounts - this is how I've managed to have 15 months off work
    Use ynab to save for all annual bills, overpaying each section so I have a little bonus when it comes to paying the bill

    Meal plan & cook from scratch

    Try not to spend too much on things for Pickle, and try to sell on things he has finished with (this has had mixed success)

    I'd love to have your support as I attempt to pay off the mortge earlier than planned. I'm aiming, from August, to overpay the same amount as the interest added to the account. This isn't much, but it's a realistic challenge given out current circumstances.

    Thank you for reading

    Wish.
Page 20
    • debtfreeforlife
    • By debtfreeforlife 3rd Feb 18, 5:54 PM
    • 150 Posts
    • 899 Thanks
    debtfreeforlife
    Like your Feb goals wish - good luck!! Hope you manage to get some rest this weekend.
    GC Feb 18: £204.97/£200 | Mar 18: £207.93/£200 | Apr 18 £165.53/£200.00
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 3rd Feb 18, 8:37 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    Thanks Debtfreeforlife, Iím definitely trying for the rest. Currently sitting in bed chilling before an early night.

    A nsd today which was desperately needed if I stand any chance of hitting this monthís target.

    £Co confirmed £2.20 cashback so thatís been withdrawn and added to the mop pot. Mobile phone bill has been generated so that pot has been tilly tidied. Thatís the end of the easy mop pot wins until the end of the month now, so the hard slog begins.

    We head home tomorrow so need to meal plan and write a shopping list but my bank rewards are offering £10 cashback on a £30 spend along side 12.5% £Co cashback on an 1celamd food shop, so may sort that in the car on the way home tomorrow too.

    Updates below. Sleep well everyone.

    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £19.84/£71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £58.82/£150

    3) NSD
    1/16

    4) Complete Bullet Journal Tasks
    0/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • pinkypig
    • By pinkypig 3rd Feb 18, 8:42 PM
    • 1,133 Posts
    • 9,435 Thanks
    pinkypig
    You'll do it. Enjoy your early night and have a safe journey home. Xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th Feb 18, 8:56 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    We are home.
    We had the best south to north run that weíve had in a while today (thanks Pinky for the positive vibes last night)
    We did stop at the expensive, but oh so nice farm shop on the way back. They sell raw (unpasteurised) jersey cow milk from a self service vending machine. It is delicious. Hubby loves it in his coffee, Pickle drinks it hot, cold and on his cereal. Iím hoping itís going to make an excellent white sauce for cauliflower cheese tomorrow.
    So milk, cheese, cauliflower and a few other bits bought. £15 ish damage but hey ho, itís a short month.

    One load of washing has been done, another is in the wm, on the timer. Should be ready when we get up in the morning.

    Unpacking to finish tomorrow, food shop, swimming lunch with a friend, make tea, bake club baking and nurture the small child. Iím tired just thinking about it, so night all. Updates below.

    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £20.81/£71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £58.82/£150

    3) NSD
    1/16

    4) Complete Bullet Journal Tasks
    1/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Feb 18, 9:55 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    I really can!!!8217;t post about Mse things tonight.

    My friend had her histology results today and it is terrible news.
    I!!!8217;m going to visit tomorrow.
    Her brother messaged me this evening to tell me (incurable, chemo to shrink but not cure) he doesn!!!8217;t know if she!!!8217;ll tell me, and she doesn!!!8217;t know he!!!8217;s told me, but felt I needed to know.

    My hubby does not cope well with these sorts of things, and he!!!8217;s going away for two nights with work. So he!!!8217;s now not going to bed as he had planned to, and will most likely spend the night dosing on the sofa, stressing. Stress then sets his wierd stomach issues off and he!!!8217;ll lose all appetite and be a grumpy sod.

    I!!!8217;ll just watch copious amounts of tv, try and keep on top of house jobs and pretend it!!!8217;s not affecting me.

    Urghhhhhh truly truly terrible news. Another friend of mine (a chemist) says she thinks that I!!!8217;m a few hundreds years, historians will look back at our times and there will be books/programmes/museums about the terrible, inhumane and truly
    Awful thing that chemo therapy was. And question why we, as a human race ever subjected our fellow man to it and it!!!8217;s horrors.

    But, I have to believe that, as awful as it is the pros outweigh the cons until such time
    As something better comes along.

    How long she has, who knows? Her quality of life - no idea.
    Her determination? Two weeks ago she was adamant she was going to win the battle, I!!!8217;ll find out tomorrow if she!!!8217;s still in a fighting mood.

    Sometimes life just truly
    Sucks.

    Wish
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • pinkypig
    • By pinkypig 6th Feb 18, 6:39 PM
    • 1,133 Posts
    • 9,435 Thanks
    pinkypig
    Awww Wish I'm so sorry, what terrible news. Having her friends and family there for her will mean everything. Sending you strength and best wishes - its going to tough xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Feb 18, 11:44 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    so, today is another day.

    Thank you PP, for your kind wishes, I feel much better having been to visit friend today. She is I need good spirits and is determined to prove science wrong. I really hope she does. At the moment she is better than she was before the op because the main tumor that was casing the issues, has been removed, and she can now get nutrition because her intestinal system isn't blocked and making her sick up all food. Sadly, chemo is going to make her more poorly before she gets any better.

    Still, in money saving news:
    Not a nsd.
    I thought hubby had filled my washer fluid bottle up yesterday evening when he did his... seems not, £3 for a bottle of stuff from the service station garage, in a snowstorm on my way to the hospital.
    £20 out of the bank to pay for parking at the hospital, I'm going to put this aside as February's hospital parking money, it's £3.50 each time I go, so that's 5 week's worth, and she may be home by then.

    I've started filling in my work expenses form. £300 plus a bit of change. That will replenish my work expenses pot and mostly pay for a group weekend away in April, I think I'll have just under £50 to find on top of the expenses amount. So, should be reasonably easily do able.

    Hubby had a little, not grump, but something at me. Pickle has been gifted a bag of clothes from a friend round the corner. It includes some socks (I didn't know there were going to be socks in the bag) I asked hubby to sort through the bag last night, friend said, what you don't want/need take To the charity shop.
    Hubby sorts through, photograph s the piles and messages me the photo with an explanation of what is I need each pile.
    Conversation continues:
    Me: Oooh socks, that's useful, he's not got many socks that fit him properly at the moment.
    Hubby: we can buy him socks you know? In fact, if he needs clothes, just buy him clothes. We're not poor, we can afford to clothe our child.

    I can see his point, and maybe we should meet somewhere I need the middle, but Pickle grows out of clothes so quickly and needs so many of them, he's a messy pup, that if I were to buy new all the time, even from the supermarkets, we would be broke. I do tend to buy a lot of bundles from friends, then pass on when we are done.

    Hey ho, things to consider.
    Tomorrow, tidy the house, full day of work, evening of tv and knitting, hoping for a nsd.



    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £24.49£71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £58.82/£150

    3) NSD
    1/16

    4) Complete Bullet Journal Tasks
    3/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Feb 18, 6:57 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    A nsd today, struggling a bit with these in February. But successful today. I'm feeling a bit pants today, a bit fed up and urgh. I'm sure it will pass. Early night and a good list for tomorrow.

    Updates below


    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £24.60/71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £58.82/£150

    3) NSD
    2/16

    4) Complete Bullet Journal Tasks
    3/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • pinkypig
    • By pinkypig 7th Feb 18, 8:23 PM
    • 1,133 Posts
    • 9,435 Thanks
    pinkypig
    Not surprised given what you've got going on but hang on in there the weekend's nearly in sight. Hope you feel better after your your early night xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 8th Feb 18, 8:44 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    another day of feeling a bit urgh, but I did get 1 visit report written and sent off. Only 3 to go, but now I've done 1 it should be easier. Not a nsd as I had to get out of the house is morning as I felt like the walls were caving in, so went to work in a local cafe. £6.10 spent on drinks and food.
    Had a boot sale app sale collected and paid for today, so that's £6 into the mop pot, not a lot but probably more than I'd get at a traditional car boot sal, and a tiny bit of clutter has left my house.

    Our weekend starts tomorrow, hubby is home, Pickle has finished his child care week, so family time starts.

    I need to be a bit more productive next week.

    Updates...


    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £31.67/71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £58.82/£150

    3) NSD
    2/16

    4) Complete Bullet Journal Tasks
    3/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th Feb 18, 1:32 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    This is really the update from yesterday as I was too tired last night to post and have been too busy with Pickle this morning. Now we are travelling back home from the house of my parents. Hubby is driving, Pickle has just fallen asleep and I have got my knitting to crack on with shortly.

    Yesterday was not a nsd. Pickle is cutting his last tooth and it is terrible painful so we needed another bottle of teething spray. I did pay a Christmas cheque into the bank and we took Pickle for his first haircut, which the hairdresser, who has cut my hair since I was 7, didnít charge us for, we have got a lock of his hair to keep and a certificate marking the occasion.

    Dad is going to put some money in my bank to refund me for two lots of washing machine liquid that we bought at C0stc0 for them, so I will put that back into the household goods pot which is where the money originally came from.

    Iíve done a little tilly tidy, but no other updates from yesterday.

    Updates...


    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £32.54/71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £58.82/£150

    3) NSD
    2/16

    4) Complete Bullet Journal Tasks
    3/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th Feb 18, 9:21 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    today did not end up being a nsd as I pooped to the soopermarket when we got home to pick up a few bits for tea. However, I have meal planned for the week mostly from the stores, so my shopping list for the week is looking very short. I hope it stays that way for when I actually go shopping.

    Iíve done the washing and mostly unpacked from our travels and made tea for tomorrow.
    Tiny tilly tidy done, and now for some catch up Olympic tv and bed. Night all.

    Updates...


    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £32.58/71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £58.82/£150

    3) NSD
    2/16

    4) Complete Bullet Journal Tasks
    3/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • pinkypig
    • By pinkypig 11th Feb 18, 12:47 PM
    • 1,133 Posts
    • 9,435 Thanks
    pinkypig
    Hope you're feeling better Wish. Have a restful weekend (or as restful as you can with a teething toddler ) xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 11th Feb 18, 9:36 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    Today has been a no spend day. Woop woop. They are proving to be a bit of a challenge this month.
    I keep opening ynab Iím the hope that something has changed, but obviously nothing has.
    Child benefit is paid tomorrow, so a bit of income for Pickle and Pickle related things, but nothing else on the horizon.

    I need to get back into the fly lady work this week, going to be a bit funny though as hubby is around and will get in the way making things worse rather than better.
    Iím hoping he will take Pickle to the childminderís At least a couple of days this week allowing me to crack on with things.

    Thanks for your visit Pinky, yes, I am feeling a little better thank you. A good blitz of the house will help Iím sure as will crossing off a lot of items on my work to do list.

    Have a good week everyone.
    Wish


    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £32.58/71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £58.82/£150

    3) NSD
    3/16

    4) Complete Bullet Journal Tasks
    3/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 12th Feb 18, 6:54 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    Another nsd, hooray. Two in a row, that's a first for February. I will have to go shopping at some point this week, but I'm seeing how long I can eek it out for. Hubby has just taken a work booking for Thursday, so I think, if I juggle the meal plan I don't have to go shopping before then (can you tell how much I hate the food shop?)

    Child benefit hit the bank today. I usually tilly tidy the odd £2.80 into the mop pot, classifying it as 'pickle's rent' but, this time, I've put it in his 'spends' pot and tilly tidied an additional 10pinto that ynab line to give him a nice, round £150 in his spends pot. That's 3 lots of child benefit spends he hasn't spent. (The other £30 each one goes straight into his savings accounts) I mainly use this money for his shoes & swimming lessons. He does seem to have slowed down growth wise generally which is why the pot has lasted so well. If we are still in this situation in 4 weeks time I'll put the entire amount we get into his savings pot.

    Tomorrow is a full day of work, then I'll work Wednesday morning. Then that gives me 1.5 'work' days to continue to flylady the house and my life. (But the best laid plans have a habit of being scuppered round here)

    Tonight I'm going to watch 'today at the winter olympics' while starting to sew up my latest knitting project, then a very early night.


    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £32.58/71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £58.82/£150

    3) NSD
    4/16

    4) Complete Bullet Journal Tasks
    3/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • pinkypig
    • By pinkypig 12th Feb 18, 7:26 PM
    • 1,133 Posts
    • 9,435 Thanks
    pinkypig
    Good luck with the cleaning and clearing, I've done nowt so far. Thursday is earmarked, we'll see...

    Love it when you can drag out the need for a food shop, its so satisfying being able to hang on to your budget and whittle down your stores. Be honest, do I need to get out more?

    PP xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Feb 18, 7:34 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    Good luck with the cleaning and clearing, I've done nowt so far. Thursday is earmarked, we'll see...

    Love it when you can drag out the need for a food shop, its so satisfying being able to hang on to your budget and whittle down your stores. Be honest, do I need to get out more?

    PP xx
    Originally posted by pinkypig
    You do get out PP, all that running and walking. I'm the one who has become a recluse.
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Feb 18, 7:44 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    All in all a successful day:
    3rd Nsd in a row
    All work reports written & sent off
    Inbox dealt with and cleared as much as I can.
    Pancakes made and eaten with Pickle
    Pickle in bed and sleeping.
    Friend discharged from hospital and home.

    Pretty pleased with all of that.

    The completed reports and clear inbox means I don't have to work tomorrow now so can crack on with the house.

    My aim, for this evening, is to cleaner proof the house before she comes tomorrow then crack on with the office as soon as I get back from dropping Pickle off at the childminder's.

    Hopefully I'll get to the baby group I used to volunteer with tomorrow afternoon, it will be nice to see everyone.

    That then leaves Thursday as a full day to tackle a deep declutter and clean in our bedroom, which is my room of the month.

    So, potentially some spends tomorrow (things to post) but hopefully nothing for Thursday, we shall see.

    Wish


    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £32.58/71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £58.82/£150

    3) NSD
    5/16

    4) Complete Bullet Journal Tasks
    3/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 14th Feb 18, 10:31 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    Another day of MSE wins:
    4th nsd in a row
    Hq have confirmed my additional hours payment (from Nov) will be paid this month.
    Rang hmrc to get my tax allowance split between both employers
    Set up ynab on the downstairs computer (office computer's os no longer supports drop box)
    Sorted out my ynab categories to include a couple of new savings pots
    Downloaded the skint dad's 1p a day challenge sheet and moved money around to 'catch up' £14 in new 1p a day challenge pot.
    Sold 4 pairs of Pickle's trousers, only £1 each, but I paid very little for them in the first place.
    Eeked out the stores for another day to avoid shopping (will have to go tomorrow)
    Webbing I had previously ordered arrived and I 'fixed' the brokenseat on the wingback chair (Saving £45 as a repair would have been £50 & the webbing cost less than £5)
    Dad put the money for the washing machine liquid into my bank - I've put it back into the household goods pot in case we need a top up of such things this month.

    I'm really Pleased With all this. Hoping tomorrow is as good.

    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £47.59/71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £88.82/£150

    3) NSD
    6/16

    4) Complete Bullet Journal Tasks
    3/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 15th Feb 18, 7:30 PM
    • 1,215 Posts
    • 5,569 Thanks
    wishingthemortgaheaway
    Although the Winter Olympics are doing nothing to promote my productivity, they are supporting my financial savvy ness.

    Whilst watching today I have,
    Rung the gas/electric company to request some of my credit back. I've requested £150 of the £232 they hold, this should still leave enough credit to get us through the winter. Should be in my bank account in the next 10 day's, so will form part of February's financial targets.

    I spoke to my mobile phone provider as my upgrade is available from today. My phone is fine, so sim only is the way to go. They can offer me a sim only package that for £10 per month that my broadband supplier will give me for £6 a month - no brainer there then, however, my broadband/phone/tv is not due for renewal until the beginning of April, so I'm just going to hang on a month and change it all at once. I think, if I can renew on a similar broadband/phone/tv deal I've got now and move my mobile over, I'll be saving around £30 a month.

    I had a play around with my ynab categories on the desk top version today and changed the way things work, not sure if it will work, but we'll see.
    Up until now my 'major categories' have been based on my physical bank accounts, but I've now switched things around so my major categories are:

    Discretionary/everyday spends - groceries, household, spending money, eating out, diesel etc
    Monthly bills- mobile, broadband, utilities
    Annual bills - council tax, landline line rental, Insurance's etc.
    Savings: emergency fund, wage storage, Christmas, Holiday, etc
    Pickle: money to move to his savings accounts (I think he may get more categories as he gets older)

    I've done some calculating as to how far 'ahead' I am (think ynab month ahead) and I've only got a couple of hundred pounds to go until I'm a month ahead (and that's without the gas/electric refund)
    Pre-Pickle I put pretty much every additional penny into the mortgage, (hubby has cash savings accounts and I have some ns&i inheritance money) but now my income is a lot less, and much more precarious, I need to up my cash savings.

    I did the grocery shopping today, not as cheap as I wanted it to be, but I've stocked up on a few things like nappies. I've now got £90 left in the groceries pot and £40 in the household goods pot. Which doesn't sound like a lot for only half way through the month, but I've only got a maximum of 1 small and/or 1 larger shop to go this month.

    Pots have been tilly tidied and I've funded my 1p a day challenge pot.

    End of the 'working' week today, tomorrow we'll probably have family breakfast out (or nice brekkie at home) as hubby is working all weekend. Then Puckle needs his feet measuring (and therefore probably new shoes) also, he's moved up to the 18-24 month trouser size and, although he's got lots of nursery/messy about trousers, he could do with a couple of pairs of slightly smarter trousers, so we'll have a look for those at the outlet too. It's a good job Pickle's got £150 in his spends pot isn't it?

    Tonight is more olympics, sorting out the washing, maybe some knitting and hunting for some wine or gin.

    Have a good evening everyone.

    Wish
    MSE February Goals

    1) £210 Mop Pot
    Target 1 - Interest added
    £49.04/71.56
    Target 2 - Next brick on the countdown house
    0/£102.11
    Target 3 - MFW 2018 challenge amount
    0/£36.33


    2) Emergency Fund Top Up
    £88.82/£150

    3) NSD
    6/16

    4) Complete Bullet Journal Tasks
    3/16

    5) Save the £2 coins
    (Monthly Update)

    6) get into the size 14 Jeans
    (Monthly Update)
    The 100 payment countdown (each payment = £400) 2018 Starts at 13/100 o/s £34,750.
    Jan 18 14/100 Feb 15/100 March 18/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1400ish/£2,500
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,135Posts Today

7,242Users online

Martin's Twitter
  • I've decided my weekend starts here while the sun's glow is still baskable. So I'm signing off. Have a great weeke? https://t.co/9FxNEpDs6p

  • No not correct. The big six do, but you can get fixed tariffs guaranteed not to rise and about 25% cheaper. Just tr? https://t.co/B2ft5OS3Ig

  • Baaaa! Scottish Power has bleated and followed the herd, today announcing it's putting up energy prices by 5.5%. R? https://t.co/vi3hBxo4Hn

  • Follow Martin