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  • FIRST POST
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Jul 17, 7:39 PM
    • 1,321Posts
    • 6,150Thanks
    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 25
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 3rd Apr 18, 6:51 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    We put £15/week aside for mot,tax and insurance. It!!!8217;s about £60/month, but £15/week seemed psychologically more achievable! We have been able to just squirrel it away and use wages to pay for it recently, but when I first met Mr S, there was a lot of stress trying to find the money, because he had to pay all 3 just after Christmas and he never used to save it up during the year. Now we have it ready if needed.
    Originally posted by Silence101
    Thanks Silence, I do put aside for insurance, breakdown & tax each month, but service, mots and 'when it goes wrong' has previously been a bit ad hoc, that will be changing.
    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 Apr 18, 7:08 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    I didn't sleep well last night, still awake at 1am when all the 'first of the month' dds went out, so I ynabed it all and filly tidied the pots. Halifxx have taken the 'old' monthly amount, I assume it's Becuase the new deal started on the 1st and payments are made in arrears not advance, am I right?

    I've done 1 day of the 1p a day challenge, worked out my mini targets for the mop pot this month, and one was so straight forward it's already done. I also sold the baby play pen today, only £10, but it's £10 more than I had and it's out of my house. Someone also posted on a fab group last night iso nursing tops, so I dug my selection out and posted what I've got in case she's interested. That could net up to £50, so we'll see, I've got the photos now so, if she's not interested I'll post them on the boot sale app.

    Not a nsd, took the Pickle to soft play this afternoon with a friend who finds school holidays really hard due to her mental health difficulties. Didn't partake in any of the snacks and drinks though. Tomorrow I'm hosting a play date for pickle's friends. I can't cope with a free for all, so I've planned a few activities based around a favourite book that includes making lunch. I do need to pop out first thing and buy some veggies to go with lunch, I'd forgotten I needed to feed Pickle lunch this week with him not being at the childminder this week oops!

    Just waiting for Pickle to give in to sleep then I can finish the play date prep. Still having an issue with the landline line rental saver, so that needs shifting to tomorrow's todo list. Boooooo
    Have a lovely evening everyone.

    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £4.26/£61.95
    C) £400 capital reduction: 0/£102.11
    D) mfw 2018 challenge amount: 0/£39.11

    2) 13 Step plan funding
    return off set pot to pre new fix level £177.62/£542.62

    3) nsds
    1/16

    4) 1p a day challenge
    5/30

    5) use the debit card
    1/20

    6) save the £2 coins (update monthly)

    7) 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 4th Apr 18, 10:59 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    Evening all, finally going to bed. Mum and Dad have made an unexpected visit, not entirely sure the ins and outs of their current travels, but it is lovely to see them, and well worth spending out on a takeaway this evening (although I know they'll contribute in kind to something else at some point. )

    Had a lovely play date for Pickle this morning a themed play date with lunch, which didn't cost me a penny.
    Have finally managed to sort my line rental saver, but due to issues they've already generated this month's bill, which is significantly higher than it should be due to all the issues. It does mean I should be in credit for most of May's bill, so it will work out just frustrating. So the £50+ of 'extra' in the annual line rental pot had to be split between extra on the monthly bill as well as the mop pot and STEP3.
    1 day of the 1p challenge & Tilly tidies done.

    Tomorrow is a trip out with a friend, hoping to get the washing out on the line before I go and that's about it. Another boring day financially it seems.

    Oh, I did pay my line rental on my rewards cc, and takeaway on my halifxx debit to get cashback rewards & via tab to get a huge cashback of 1.05%. Go me!

    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £10.71/£61.95
    C) £400 capital reduction: 0/£102.11
    D) mfw 2018 challenge amount: 0/£39.11

    2) 13 Step plan funding
    return off set pot to pre new fix level £207.62/£542.62

    3) nsds
    1/16

    4) 1p a day challenge
    6/30

    5) use the debit card
    1/20

    6) save the £2 coins (update monthly)

    7) 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 Apr 18, 8:35 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    An accidental nsd today, not that I'm complaining. Went to a nt place and I fell over, in he mud, so we ended up comin Home for lunch, rather than eating there.
    I have damaged my foot though and I'm in a lot of pain. I'm hoping it will ease up overnight and I've done nothing this evening in order to rest it as much as possible. Hubby is away, so I've got to keep going whilst Pickle is up.

    Mum and dad left £20 in cash as their contribution towards the takeaway last night. If I had a bank close by, I would actually be paying it in as I'm getting a fair bit of cash in my purse at the mo, I don't want to spend cash, I want to put everything on my rewards credit card and pay the credit card off with my debit card to get my £5 reward. Oh well, never mind.

    No idea what's happening tomorrow, depends on my foot.

    Off to bed now, feeling sad and miserable. (Yes, it's only 8:30, but I might as well as I can't do anything useful)

    1 day of the 1p a day challenge & associated tilly tidies done.

    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £10.75/£61.95
    C) £400 capital reduction: 0/£102.11
    D) mfw 2018 challenge amount: 0/£39.11

    2) 13 Step plan funding
    return off set pot to pre new fix level £207.62/£542.62

    3) nsds
    2/16

    4) 1p a day challenge
    7/30

    5) use the debit card
    1/20

    6) save the £2 coins (update monthly)

    7) 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
    • DrSpendLittle
    • By DrSpendLittle 5th Apr 18, 9:33 PM
    • 293 Posts
    • 1,011 Thanks
    DrSpendLittle
    Sorry to hear about the foot, Wish! Hope it eases overnight!!
    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
    • pinkypig
    • By pinkypig 5th Apr 18, 10:12 PM
    • 1,204 Posts
    • 9,912 Thanks
    pinkypig
    Oh no, poor you

    Hope it's better tomorrow, take care xx
    MFW 2018 #157 Target £15,000

    £7,288.13/£15,000
    • newgirly
    • By newgirly 6th Apr 18, 7:16 AM
    • 6,269 Posts
    • 43,314 Thanks
    newgirly
    Ive just been catching up with your diary wishing - you are so focused well done! I hope the foot is a bit better today
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Apr 18, 7:37 AM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    Thank you all, just walked to the bathroom and back owwwwww! No bruise though and no swelling I can see, so it's an interesting 'injury' I'll see how it goes, I don't think it's serious enough To bother a&e with, but it does hurt. I'll keep the painkillers topped up today and see what happens.

    I'm other news, I'd forgotten that you can pay money into your bank account at a post office, need to check whether I can for any of my accounts, but that could be very useful.

    Have a lovely day everyone. The Pickle has had a lie in, but is waking up now.
    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
    • shangaijimmy
    • By shangaijimmy 6th Apr 18, 8:37 AM
    • 2,705 Posts
    • 13,350 Thanks
    shangaijimmy
    Plenty of ice/frozen peas today. get rid of any swelling (may well be some inside that you cant necesarily see yet). 10mins on, 1 hr off, then repeat as many times as possible.
    MFW: Turning June 2036 into March 2025... 38//120 Payments Challenge, Diary Reduction £40,984.38
    Aug 2009: £163,051 // Current: £95,015.63 // Avg Daily Interest £4.27
    MFiT-T4 #8 - 74.24% of £41,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 6th Apr 18, 6:56 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    Plenty of ice/frozen peas today. get rid of any swelling (may well be some inside that you cant necesarily see yet). 10mins on, 1 hr off, then repeat as many times as possible.
    Originally posted by shangaijimmy
    Thank you, I've been icing as much as I can with a 'nearly 2 year old' to run around after.
    Strangely, strapping it into my shoes this morning made it far more comfortable, I'm just about to take my shoes off and see what it's like now we are at the end of the day.

    Thank you all for your best wishes.
    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 Apr 18, 6:57 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    Ive just been catching up with your diary wishing - you are so focused well done! I hope the foot is a bit better today
    Originally posted by newgirly
    Thank you Newgirly, I do try and keep the targets moving so I don't lose interest, I am becoming a little bit of a tightwad though, so I may just have to loosen the purse strings slightly at some point.
    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 Apr 18, 7:17 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    Usual Friday morning Mum's coffee meet up today, this is a time I really enjoy, the cafe we go to is so family friendly that Pickle can just play with his little friends without me having to worry.
    This afternoon was the food shop, I probably could have stretched it out until Monday, but I've found out about a holiday activity at a local art gallery I'd like to take Pickle to, so shopping today.

    Shopping came to around £47 (including two of my branded bulk buy must have coming to £11 in themselves) and household goods to £8.00. Quite pleased with that. Due to 1p a day challenge (two days done today) and Tilly tidies, I'm down to £100 left in the grocery category for the rest of the month. I'm not too worried, which is good considering we're technically not even a week in yet, but my plan is to go shopping a week today, then due to work and a weekend away I won't go again until 23rd April. So it should be fine.

    In other mse news, I bought a couple of items from the shopm1um app, haven't done that for ages, one will be free and one will only cost me £1 when it's all paid out, cashback claim done. And I've paid my reward credit card with my debit card, so that counts as another debit card transaction, I'm going to try paying the credit card off daily with the debit card and see how many transactions to the same payee I can get away with to get to the 20 I need for the £5 cashback, may be playing the system a little, but we'll see what they do about it. I can't see anything in the tes &cs that say it has be unique payees. Once all the pending transactions clear I'll be up to about 200 points, Need 1000 points for a £10 amaz0n voucher, so will be saving those for Christmas & birthday presents throughout the year.

    Tomorrow, if it's dry Pickle and I will head off to the bird sanctuary/reserve so he can feed the ducks, have a run around and we can all get some fresh air. I'm also going to take a picnic so, apart from £1 for the duck feed it should be a nsd and, if I only spend the £1 I'm going to count it as a nsd, as I've got a 'free' pound that I found I never a trolley at the supermarket today.

    Have a lovely evening everyone.

    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £11.43/£61.95
    C) £400 capital reduction: 0/£102.11
    D) mfw 2018 challenge amount: 0/£39.11

    2) 13 Step plan funding
    return off set pot to pre new fix level £207.62/£542.62

    3) nsds
    2/16

    4) 1p a day challenge
    9/30

    5) use the debit card
    2/20

    6) save the £2 coins (update monthly)

    7) 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 Apr 18, 8:17 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    So... today wasn't dry, but as Pickle found his 'feed the ducks bucket' first thing this morning and was up early we decided to risk the water birds sanctuary. It's safe to say, I need new waterproof trousers as they are not fit for purpose.
    Pickle had a fabulous time splashing in puddles and feeding the ducks. But we did get very wet.
    It wasn't in any way shape or form picnic weather, so we ate in the cafe, we had a 'proper meal' rather than a lunch so it was quite pricey (but covered by the money Mum and Dad left for the takeaway the other night.) we came home straight after lunch.

    This afternoon was spent playing trains and watching the commonwealth games highlights, and Pickle has now gone to bed and gone straight to sleep, so that could mean another 5:30/6am start tomorrow

    Sh0pm1um have confirmed a £2.39 cashback
    2 days of the 1p a day challenge done
    Tilly tidies made

    I need to get back on the survey band wagon, especially PA.
    For the last couple of months I've had some easy wins for the mop pot & 13 step plan - surplus money from the annual bills pots, tax rebates, additional hours at work. In a 'standard' month, I can't squirrel away enough money to make my targets from the 'normal' income.

    Amaz0n vouchers from the rewards cc will hopefully offset some Christmas spending,
    I've probably got 3 additional days of work coming up before the summer
    I'm owed over £200 in Work expenses.
    I need to be a bit more enthusiastic and pushy about supply work for May (3 weeks due to half term) and July (2/3 week's due to Summer holidays)
    And then there are surveys....

    Ho hum... here we go!
    Have a lovely evening everyone.

    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £12.81/£61.95
    C) £400 capital reduction: 0/£102.11
    D) mfw 2018 challenge amount: 0/£39.11

    2) 13 Step plan funding
    return off set pot to pre new fix level £210.62/£542.62

    3) nsds
    2/16

    4) 1p a day challenge
    11/30

    5) use the debit card
    2/20

    6) save the £2 coins (update monthly)

    7) get in size 14 jeans (update monthly)
    Last edited by wishingthemortgaheaway; 07-04-2018 at 8:20 PM.
    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
    • Busy Mee1
    • By Busy Mee1 8th Apr 18, 7:19 AM
    • 598 Posts
    • 2,707 Thanks
    Busy Mee1
    Hi Wishing
    You sound incredibly organised and doing really well. You seem to have a great balance between being frugal and enjoying life with your little Pickle. Enjoy they do grow up far too quickly x
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 8th Apr 18, 6:37 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    Thanks Busy, he really is growing up quickly, he'll be 2 in about 5 weeks, scary! Which means, I'm 1 more week I will have left 'proper'teaching 2 years ago.
    Time flies! And sadly I don't miss it.

    I do try and balance frugalness with having a life, I just wish I had more money to save, but don't we all?
    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 Apr 18, 6:46 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    Finally, a nsd- these seem to have been a little thin on the ground this month. Hopefully I can pull it back a bit this week while I'm working, hubby is away and Pickle is back at the Childminder's.

    I reconnected with some survey sites last night.
    VO is good for vouchers, but takes a long time to build them up, I will check this once, maybe twice a day.
    Qm33 is good for instant reward, I've got 13p on their to cash out, I'm going to leave it in the 'account' until it hits £1, or the end of the month.
    I had 600 points on SB, and have spent last night and some of today boosting it to 800 points so I could cash out £5, which I've done. I managed to complete the entire to do list today, first time ever.
    I love PA the surveys are so much more interesting, I've done 2 today, only adds up to 59p total, but I already had £10 sitting there, so less than £10 to go until I can cash out for free via circle. I will get back into this, it means I avoid reading rubbish on FB and I can help 'the plan'

    1 day of the 1p challenge done, tilly tidied the shrapnel.

    Not planning on doing much tonight, need an early night and I actually need to go to sleep tonight!
    Have a lovely evening all

    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £13.78/£61.95
    C) £400 capital reduction: 0/£102.11
    D) mfw 2018 challenge amount: 0/£39.11

    2) 13 Step plan funding
    return off set pot to pre new fix level £211.62/£542.62

    3) nsds
    4/16

    4) 1p a day challenge
    12/30

    5) use the debit card
    2/20

    6) save the £2 coins (update monthly)

    7) 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 Apr 18, 7:03 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    so, today could have been a free/very cheap day out, it has been a medium day out, it could yet prove to Bean expensive day out.

    Expensive, if I've totally messed up on the new bus only bits of the main road, not just a bus lane, but no cars at all, by the time I got my head around the signage, I was committed, let's hope a £30 fine is not winging its way to me. Stupid council! Grrrr

    Medium expensive because we had lunch out, with friends again, and had to pay for parking a seat I couldn't find any free on steet parking.

    Could have been free if I'd found on street parking and we'd known it was going to be such lovely weather and we'd actually taken a picnic.

    Had a really successful day survey wise on Pa, lots of quite high value surveys, one was even for £4.50, so, if they all pay out, which they usually do on PA I'll have around £27 coming to me. (I guess I'm going to have to work up to the £30 I need to pay the penalty charge notice now right?)

    1 day of the 1p a day challenge done, no Tilly tidies today. But it is child benefit day so Pickle has contributed his £2.80 rent to the mop pot.

    Back to work and the childminder's tomorrow so I'd better get some sleep tonight.

    Hope everyone has a lovely evening.
    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £16.58/£61.95
    C) £400 capital reduction: 0/£102.11
    D) mfw 2018 challenge amount: 0/£39.11

    2) 13 Step plan funding
    return off set pot to pre new fix level £211.62/£542.62

    3) nsds
    4/16

    4) 1p a day challenge
    13/30

    5) use the debit card
    2/20

    6) save the £2 coins (update monthly)

    7) 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 Apr 18, 7:00 PM
    • 1,204 Posts
    • 9,912 Thanks
    pinkypig
    It sounds like a lovely day Wish

    How's your foot? Xx
    MFW 2018 #157 Target £15,000

    £7,288.13/£15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th Apr 18, 10:40 PM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    Hi PP and everyone else.
    The foot is still quite sore, my friend is a podiatrist so I think I'm going to get her to take a look at it (she's a biomechanic pod, not just a toe nail extracting pod)

    Today has been a nsd wooho. I've worked all day, I was shattered by the time I finished at 4:30 and went to get the Pickle from the Childminder's. He was also very tired, I don't think he's had much of a sleep today. He ate his hm fridge bottom soup - declaring it 'mmm nice' and I feel happier knowing he has a decent amount of veg in him.

    This evening I hosted bake club, it was a biscuit decorating special, so a good chin wag and, for once, not much cake eating.

    Mse wise - nsd as stated, but did use the debit card to pay what has now cleared on the cc.
    2days of the 1p challenge done, Tilly today made and some surveys on pa completed.

    Tomorrow is an adult day out with a friend, but I've no idea what we are actually doing, won't be a nsd but hopefully won't be too disastrous on the finances.
    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £18.36/£61.95
    C) £400 capital reduction: 0/£102.11
    D) mfw 2018 challenge amount: 0/£39.11

    2) 13 Step plan funding
    return off set pot to pre new fix level £212.62/£542.62

    3) nsds
    5/16

    4) 1p a day challenge
    15/30

    5) use the debit card
    3/20

    6) save the £2 coins (update monthly)

    7) 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 13th Apr 18, 9:12 AM
    • 1,321 Posts
    • 6,150 Thanks
    wishingthemortgaheaway
    Morning all, I've been awol for a couple of days as I've had YNAB issues, not with ynab itself, but with the syncing of it across devices, due to how it uses Dropbox and the os on our computers not being supported any more. So I've bitten the bullet and upgraded to nYNAB, it will cost me each year, rather than just the one off payment I made originally, but I can't imagine life without it now. It's taken me two evenings to get everything sorted. I've also continued my passive money making from my bank accounts. As I messed up my autuomatic bank account switch, I'm going to keep my original Hsbc account, as I know all the account details by heart, which is useful. I've upgraded the joint Halifax account to the reward account, switched the necessary direct debits to be able to claim the rewards. I just need to switch the life insurance into the TSB account to sort all the direct debits needed to claim £5 a month from them, and then use the debit card to claim the further £5. This is the account that I will use on automatic switching if the offers I've got now stopped and I want to claim more money. It seems taken some organising, but, apart from ringing the life insurance in a minute, it's all sorted.

    I've also made a right mess of my bu,le t journal notebook doing all this and I was getting cross, so I've done what I should have done when I started bullet journaling and I'm using my ring bound diary system, much better.

    I have a massive to do list today which I'm going to write when I've finished here, hubby is home later and pickle is jusT staring at the tekebox after a very tiring week with the childminder.

    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £23.26/£61.95
    C) £400 capital reduction: 0/£102.11
    D) mfw 2018 challenge amount: 0/£39.11

    2) 13 Step plan funding
    return off set pot to pre new fix level £212.62/£542.62

    3) nsds
    5/16

    4) 1p a day challenge
    17/30

    5) use the debit card
    6/20

    6) save the £2 coins (update monthly)

    7) 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
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