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  • FIRST POST
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Jul 17, 7:39 PM
    • 1,321Posts
    • 6,153Thanks
    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 22
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Mar 18, 8:16 AM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    The mortgage company have updated my balance with the latest interest charge. Thanks to it being a short month we are down in the low £60s. About £2.30 a day.
    What I also keep forgetting is more and more of our standard payment is going towards capital each month so my ops are having a REALLY good effect.
    This month, my first mini mop pot target is to achieve another brick on my count down house (need to update my signature later as I coloured in another brick last night).


    mse March Goals

    1) Mop Pot
    Target 1: next brick on the countdown house
    £15.00/£50.97 (from cash left in my purse)
    Target 2: monthly interest payment
    0/£13.52
    Target 3: mfw March target
    0/£145.51
    Target 4: new 2018 target (to catch up on January's low payment)
    0/£7.34

    2) Emergency fund growth
    £70/£150 (monthly contribution and money left in my purse)

    3) nsds
    0/16

    4) 1p a day challenge
    0/31

    5) save the £2 coins (update monthly)

    6) get in size 14 jeans (update monthly)[/QUOTE]
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 1st Mar 18, 4:57 PM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    A no spend day today (direct debits don't count in my rules) a great way to start the month. A bit of Tilley tidying from the bill pots, the 1p a day challenge - I've only done 1 day - 60p today as I don't know how this month is going to pan out at the moment.

    Second day of supply today, and last working day of the week. Time sheet has been handed in, so I will get paid a week tomorrow. The majority will go in wage storage, but I'll put the straggly, non round bits in the ef & mop pot.

    I need to blitz the house tonight - it's looking like a tip, and hubby starts a run of work away tomorrow, so I don't want to be attempting to play catch up once he's gone.

    As hubby has been home so much recently the freezer is full of batch cooked meals and I've got a huge stash of home made soups too, so I'm hoping I can stretch the foood shop out until at least next Tuesday, that could make March a '3 shop month'

    I should be out at knit club tonight, but my head is banging, and there is the tidying to do, oh well, another time.

    Have a lovely evening everyone. Keep safe and warm
    Wish.

    mse March Goals

    1) Mop Pot
    Target 1: next brick on the countdown house
    £18.14/£50.97 (from cash left in my purse)
    Target 2: monthly interest payment
    0/£13.52
    Target 3: mfw March target
    0/£145.51
    Target 4: new 2018 target (to catch up on January's low payment)
    0/£7.34

    2) Emergency fund growth
    £70/£150 (monthly contribution and money left in my purse)

    3) nsds
    1/16

    4) 1p a day challenge
    1/31

    5) save the £2 coins (update monthly)

    6) get in size 14 jeans (update monthly)
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • pinkypig
    • By pinkypig 2nd Mar 18, 10:59 AM
    • 1,204 Posts
    • 9,917 Thanks
    pinkypig
    All looking very positive Wish. Good luck for March xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 2nd Mar 18, 5:59 PM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    We are snowless here, but it's very cold still and gusting winds. Pickle and I did make it to visit poorly friend, but two hands firmly on the steering wheel at all times.
    Not sure what's up with Pickle, he's been very quiet all afternoon. I just hope that means we're not in for a loooooong night.

    A nsd, some more direct debits have left the account and associated tilly tidies completed 1p a day challenge done.

    Need to blitz the house this evening, it didn't get done last night as I was suffering with a migraine. Then knitting project and an early night.

    Errands to run tomorrow, so it won't be a nsd, but, if I plan well, I'll keep spends down.
    Wish.

    mse March Goals

    1) Mop Pot
    Target 1: next brick on the countdown house
    £23.77/£50.97 (from cash left in my purse)
    Target 2: monthly interest payment
    0/£13.52
    Target 3: mfw March target
    0/£145.51
    Target 4: new 2018 target (to catch up on January's low payment)
    0/£7.34

    2) Emergency fund growth
    £70/£150 (monthly contribution and money left in my purse)

    3) nsds
    2/16

    4) 1p a day challenge
    2/31

    5) save the £2 coins (update monthly)

    6) get in size 14 jeans (update monthly)
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 3rd Mar 18, 10:05 PM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    Today was not a nsd.
    A little shop for groceries (used a £10 random Christmas voucher & £4 of vouchers from a well known brand of crisps that I got sent after I complained that the seal had gone on a packet. )
    Some postal bags for sending off my knitted gifts to others, mother s day card & voucher for the mother ship and some post it note arrows for my bullet journal freezer inventory (another random voucher used)
    Cat food
    New bread bin ordered.
    All in all spent about £50 in cash today but, all the budgets still looking healthy.
    Tea at a friend's house. I took dessert which I 'shopped from Home' for.

    Terrible night with Pickle last night, pesky molars causing him a trouble. He's gone to sleep easily this evening though.

    Other than that, and the updates below - nothing to report.

    Wish.

    mse March Goals

    1) Mop Pot
    Target 1: next brick on the countdown house
    £25.77/£50.97 (not quite accurate, ynab app isn't updating )
    Target 2: monthly interest payment
    0/£13.52
    Target 3: mfw March target
    0/£145.51
    Target 4: new 2018 target (to catch up on January's low payment)
    0/£7.34

    2) Emergency fund growth
    £70/£150

    3) nsds
    2/16

    4) 1p a day challenge
    3/31

    5) save the £2 coins (update monthly)

    6) get in size 14 jeans (update monthly)
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 4th Mar 18, 7:41 PM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    A nsd today. Woop woop
    Completely finished a knitting project.
    Washing all done - yay
    Pickle in bed asleep - hooray

    Hubby has had a job cancelled for next week, so he's a little bit 'bear with a sore head' grumpy one, I'm sure something will come along but, I'm the meantime he'll be under my feet...

    I hope everyone has a lovely week
    Wish

    mse March Goals

    1) Mop Pot
    Target 1: next brick on the countdown house
    £26.14/£50.97 (not quite accurate, ynab app isn't updating )
    Target 2: monthly interest payment
    0/£13.52
    Target 3: mfw March target
    0/£145.51
    Target 4: new 2018 target (to catch up on January's low payment)
    0/£7.34

    2) Emergency fund growth
    £70/£150

    3) nsds
    3/16

    4) 1p a day challenge
    4/31

    5) save the £2 coins (update monthly)

    6) get in size 14 jeans (update monthly)
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • gallygirl
    • By gallygirl 4th Mar 18, 10:08 PM
    • 16,589 Posts
    • 109,545 Thanks
    gallygirl
    Love your updates, so cheery and full of pot reshuffling shenanigans - reminds me of my money shuffling days . Especially loving the mortgage date coming forward in your signature .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Mar 18, 11:19 AM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    Love your updates, so cheery and full of pot reshuffling shenanigans - reminds me of my money shuffling days . Especially loving the mortgage date coming forward in your signature .
    Originally posted by gallygirl
    Thank you for stopping by Gallygirl, I love the 'move to' function on the ynab iPad app I use it all the time (see my next post....)

    I like small challenges that are achievable, I need the motivation and the competitive elements, otherwise the 'completed finisher' in me gets twitchy.
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Mar 18, 11:28 AM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    So, I must be the only person in the country who's been checking the council website daily to find out what the 18/19 rate is so that I know how much additional I've saved over the last year.

    The total to be redistributed was just over £300.
    So, some to the emergency fund
    Some to the 'white goods repair & replace' pot and some, of course to the mop pot.

    This means - another brick coloured in on the count down house, and another brick covered by the 'off set savings pot' just 75 bricks to go now.

    Mortgage 'free' in 29 months? I can do this (although this is all the 'easy wins' for the next few months though.) I guess I need to learn how to use Fleabay..

    I'll be back with my normal update later (but it isn't a nsd....)

    mse March Goals

    1) Mop Pot
    Target 1: next brick on the countdown house
    £50.97/£50.97
    Target 2: monthly interest payment
    £13.52/£13.52
    Target 3: mfw March target
    £58.96/£145.51
    Target 4: new 2018 target (to catch up on January's low payment)
    0/£7.34

    2) Emergency fund growth
    £220/£150

    3) nsds
    3/16

    4) 1p a day challenge
    4/31

    5) save the £2 coins (update monthly)

    6) get in size 14 jeans (update monthly)
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Mar 18, 8:24 PM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    Here I am, back with today's update , and I'm a little calmer than I was with my lunchtime 'council tax bonus' time.
    Breakfast this morning with a friend at the local cafe. Parcel posted and stocked up on stamps as I used the last of my stash for the mother's day cards. Then a little top up shop. Bread, cheese, mint sauce, and something else. Still, added to my Saturday grocery spends I'm still on less than £20 for the week.
    Other than that, not a lot achieved today. Half a day of work tomorrow, then I New to blitz the office - hubby has been moving things around.

    Save well my friends.
    Wish.

    mse March Goals

    1) Mop Pot
    Target 1: next brick on the countdown house
    £50.97/£50.97
    Target 2: monthly interest payment
    £13.52/£13.52
    Target 3: mfw March target
    £60.07/£145.51
    Target 4: new 2018 target (to catch up on January's low payment)
    0/£7.34

    2) Emergency fund growth
    £220/£150

    3) nsds
    3/16

    4) 1p a day challenge
    5/31

    5) save the £2 coins (update monthly)

    6) get in size 14 jeans (update monthly)
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Mar 18, 8:40 PM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    A nsd today and a full day of work in the end, with no time to do any chores (nor the energy to be honest) I need to get my bum in gear and do things tomorrow, Washing, tidying, Tip run etc. I am hoping that the supply agency don't ring, but I also need to get plenty done so that if they ring tomorrow for Thursday (which seems to be the day for work) I can do it without stressing.

    I've just started planning a week away for work for April, so could do with cracking on with hotel bookings etc. STill waiting on one confirmation, but that's the appointment for the Monday, so if it isn't confirmed, it's not too bad.

    A little tilly tidy from the 1p a day challenge.

    Happy saving everyone.
    Wish.

    mse March Goals

    1) Mop Pot
    Target 1: next brick on the countdown house
    £50.97/£50.97
    Target 2: monthly interest payment
    £13.52/£13.52
    Target 3: mfw March target
    £60.42/£145.51
    Target 4: new 2018 target (to catch up on January's low payment)
    0/£7.34

    2) Emergency fund growth
    £220/£150

    3) nsds
    4/16

    4) 1p a day challenge
    6/31

    5) save the £2 coins (update monthly)

    6) get in size 14 jeans (update monthly)
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Mar 18, 11:05 AM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    I am determined to be mortgage neutral by the time we would be remortgaging in July 2020 (we do have a remortgage due in July this year, but have decided to stay put for another 2 years, then move).
    So, this morning I have 'bullet journaled the life' out of my plans.

    I've broken down the amount (£34000 at the end of Feb 2018) into 13 steps to help me feel like I'm achieving something and so it doesn't feel insurmountable.

    I've updated my ynab categories and sub categories to help me. And my bullet journal has been suitably set up.

    Here are my steps:

    Step 1: standard payment & overpayment reducing capital owed by £400 per month (£11,600)

    Step 2: Emergency Fund £2000

    Step 3: 1month wave/expenses buffer £2300

    Step 4: white goods repair & replace £1000

    Step 5: New house 'bills increase' a conservative estimate that the new house would cost £100 a month more to run than this one (£2900 - I'm going to budget the £100 a month to this category so it should look after itself)

    Step 6: estate agent fees (worse case scenario) £3600

    Step 7: mortgage arrangement fee £1000

    Step 8: stamp duty £2750

    Step 9: legal fees £1275

    Step 10: survey fees £400

    Step 11: Removal costs £1400

    Step 12: Mortgage Neutral £3000

    Step 13: Commercial clean of old & new properties £375

    It doesn't really matter how accurate these figures are (for estate agents/removals etc) it's all about breaking down a huge amount of money into achievable steps.

    We are starting ahead a little bit (about 3months) from the savings I've already made for these categories. I will try not to harp on about this too much, but hope it will be a motivating factor to save, declutter and take on any small bits of Work I can.

    Here we go....
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • DrSpendLittle
    • By DrSpendLittle 7th Mar 18, 9:14 PM
    • 293 Posts
    • 1,011 Thanks
    DrSpendLittle
    Hi Wish! I really like how you've laid this out - it is a fantastic way to break down your 'insurmountable' goal and I'm 100% sure you will achieve this sooner than you plan to, given your determination and commitment!

    Moving house is always a good way to focus debt slaying and its something that definitely caused me my LBM back in early August.

    Do keep 'harping on' about it as we like reading your mop pots and break downs of spends!!
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £2,529.99/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £1,263.28/£1,894.92
    Emergency Fund: £329.81/£500 (65.96%) | Total Debt Repayments: £5,359.34/£12,585.14 (42.58%) | LBM Debt Exposure: £13,915.17 | Average Monthly Repayment: £836.17 | Outstanding Debt: £7,225.80 | DFD: 30/09/18
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 7th Mar 18, 10:39 PM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    DSL thank you for your support, I can only wish (ha ha) that my plans will come to fruition sooner than planned. There are targets, stretch targets and super stretch targets, this is a super super stretch target.
    Please keep popping in with encouragements, it really means a lot.

    Today I have had a day at home without any work. Good for the house, bad for the finances.

    Washing is all up to date, house is tidy, Pickle's toys have been swapped round and I've spent a good chunk of time in the room of doom (the office) it was getting to the point where there was a narrow gap from the door to the desk and that was it.
    The floor space is now clear, I've decluttered as good chunk of stuff and put things away properly. There are so many things up there to fleabay/boot sale app, I need to get cracking. Might ask for help from an experienced ebayer I know as it scares me.

    It's been a nsd (woop woop)
    payslip from supply Work last week has arrived, so I've entered it on ynab with Friday's date.

    I've also started planning the mega work trip, this means my 'expenses slush fund' will take a real hammering, but that's what it's there for (in fact I may need to add to it- eeek) I know I'll get it all back, but still, I don't like spending money.

    I really don't know what to do tomorrow, hubby will be around for most of it, getting under my feet and preventing decluttering (one day I'll tell you about hiring a skip and him not realising things had gone!)
    A few work emails to send, but that's about it. I don't want to, or need to hit the shops, so we'll have to see.

    I hope everyone is enjoying the positively tropical weather.

    Wish.

    mse March Goals

    1) Mop Pot
    Target 1: next brick on the countdown house
    £50.97/£50.97
    Target 2: monthly interest payment
    £13.52/£13.52
    Target 3: mfw March target
    £81.84/£145.51
    Target 4: new 2018 target (to catch up on January's low payment)
    0/£7.34

    2) Emergency fund growth
    £250/£150

    3) nsds
    5/16

    4) 1p a day challenge
    7/31

    5) save the £2 coins (update monthly)

    6) get in size 14 jeans (update monthly)
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • gallygirl
    • By gallygirl 8th Mar 18, 7:43 AM
    • 16,589 Posts
    • 109,545 Thanks
    gallygirl
    The targets are wonderful - just think of the spreadsheeting and graphing opportunities for each one .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 8th Mar 18, 10:20 AM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    The targets are wonderful - just think of the spreadsheeting and graphing opportunities for each one .
    Originally posted by gallygirl
    Mse confession time...

    I don't use spreadsheets or graphs for personal finance one of my jobs involves designing and managing very complex spreadsheets and databases. I like my personal finances to be a bit less 'work like'

    I use Ynab and my bullet journal. Love it.

    I do love a good spreadsheet, but don't go near computers (not counting phone and tablet of course) much in my personal life - even playing around with ynab categories needs entering as a 'job' in my bullet journal as it takes effort!

    Thank you for the support Gallygirl.

    Have a great day.
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 8th Mar 18, 7:29 PM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    Today is most definitely defined as a mental health day, it involves spending £12 on lunch , but it was a very good lunch. And a lovely catch up.

    £2 cash on a set of knitting needles in a size I can't believe I didn't have. (And need for my next project)

    I've then had a massive sweep of my pots - I'm losing patience which is
    Bad as it's only the 8th of the month.
    1p challenge done.
    I'm off to knit now... night all.
    Wish.

    mse March Goals

    1) Mop Pot
    Target 1: next brick on the countdown house
    £50.97/£50.97
    Target 2: monthly interest payment
    £13.52/£13.52
    Target 3: mfw March target
    £90.17/£145.51
    Target 4: new 2018 target (to catch up on January's low payment)
    0/£7.34

    2) Emergency fund growth
    £250/£150

    3) nsds
    5/16

    4) 1p a day challenge
    8/31

    5) save the £2 coins (update monthly)

    6) get in size 14 jeans (update monthly)
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Mar 18, 9:24 PM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    Another day of spending far too much on 'food out'. Usual friday morning 'mum's gathering followed by a first visit to a local church who do a friday morning coffee morning with cake. I needed to get out of the house, so it is worth it.

    This evening I've meal planned and done a shopping list, Pickle and I will be up and out to get that done straight away tomorrow. No idea what we're doing with the rest of the day. Hubby is away and our friends all seem busy. We'll think of something to do I'm sure.

    Sunday is Mothering Sunday, And hubby is not getting home
    From his job until around 4am, so it's one of the days when I need to get Pickle up and out of the house as quickly
    And as quietly as I can to allow hubby to sleep.
    Normally we descend on friend's houses who have kids up as early as us and have breakfast there, but nobody wants us on Mothering Sunday do they. Boooo

    I'm sure we'll find something.

    mse March Goals

    1) Mop Pot
    Target 1: next brick on the countdown house
    £50.97/£50.97
    Target 2: monthly interest payment
    £13.52/£13.52
    Target 3: mfw March target
    £90.49/£145.51
    Target 4: new 2018 target (to catch up on January's low payment)
    0/£7.34

    2) Emergency fund growth
    £250/£150

    3) nsds
    5/16

    4) 1p a day challenge
    9/31

    5) save the £2 coins (update monthly)

    6) get in size 14 jeans (update monthly)
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • pinkypig
    • By pinkypig 10th Mar 18, 5:44 PM
    • 1,204 Posts
    • 9,917 Thanks
    pinkypig
    Awwwww, I would have made you breakfast Wish xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th Mar 18, 8:22 PM
    • 1,321 Posts
    • 6,153 Thanks
    wishingthemortgaheaway
    Awwwww, I would have made you breakfast Wish xx
    Originally posted by pinkypig

    Ah thank you Pinky, that would have been lovely.
    We've actually teamed up with friends who are avoiding Mothering Sunday (her parents are away, and his mum died last summer) and are going to hit the local prem inn all you can eat:kids eat free breakfast. Well- if you are going to screw over the eating out budget, I may as well do it properly.

    I hope you are spoiled by your children tomorrow.
    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 April 19/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
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