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  • FIRST POST
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Jul 17, 7:39 PM
    • 1,330Posts
    • 6,187Thanks
    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 26
    • Busy Mee1
    • By Busy Mee1 13th Apr 18, 9:29 AM
    • 598 Posts
    • 2,711 Thanks
    Busy Mee1
    Oo love a bit of bank account farming. I have just started putting all my "free" money into a separate bank account so that I can track how much this makes me. I find it very motivating to see all these small amounts adding up x
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Apr 18, 9:13 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    Oo love a bit of bank account farming. I have just started putting all my "free" money into a separate bank account so that I can track how much this makes me. I find it very motivating to see all these small amounts adding up x
    Originally posted by Busy Mee1
    Hi Busy Mee, I just pay any extras off the mortgage or put it into my offset pot, if I put it all in a separate account I wouldn't feel like it had a 'job' which is essential in Ynab. I've now sorted one account that I can use as my 'switching' account. But, I might do another one if I can find enough direct debits, this is the disadvantage of paying most of my bills annually, I don't have enough direct debits to go around.

    Hmm things to contemplate.
    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, 9:22 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    Evening all, I'm feeling slightly more on an even keel tonight.

    Today I did some grocery shopping £22.80 including 5 lots of 'just add hot water to the pot' porridges for my breakfasts while I'm away next week, 35p each is a lot cheaper than the hotel breakfasts where I'll be staying, I know it's all on expenses, but I do work for a charity so I am trying to be good.

    Hubby arrived home from his latest job, he's been away nearly two weeks. I expected him to nap when Pickle did this afternoon, but, when he was still napping at 4pm I got a little cross. Fortunately (for him) he did take himself off to bed around 7pm as there is no way he is going to be 'recovering' tomorrow. Nope, Daddy duties need to resume immediately!

    Sold an item on the boot sale app today, sadly it's not mine, we borrowed the item, friend said 'sell it for me when you are done with it' so I don't get to see the money. Sadly, she is not very good at repaying me when I pay for things for her, but I cannot not give her the money for this, it's not in my nature. I've already decided that, if I pay for something for her in the future, she has to PayPal me the money immediately. Maybe, when I give her the cash, she'll remember that she owes me some anyway - doubt it though.

    1 day of the challenge done, tilly tidies made. Ynab up to date.

    Let's see what tomorrow brings.

    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £23.99/£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
    18/30

    5) use the debit card
    7/20

    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 14th Apr 18, 7:48 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    A nsd - hooray. Pottered round the house this morning then a wander round a local town centre, just for a mooch, no spending for me. The boot sale app item was collected, so will put the money through my friend's door tomorrow. I should be sorting stuff out for going away tomorrow, but I think I'm just going to have an early night.

    1 p challenge done & Tilly tidies made, about to clear the credit card which counts as another debit card transaction

    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £25.99/£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
    6/16

    4) 1p a day challenge
    19/30

    5) use the debit card
    8/20

    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 14th Apr 18, 9:42 PM
    • 1,212 Posts
    • 9,945 Thanks
    pinkypig
    Have a good trip xx
    MFW 2018 #157 Target £15,000

    £7,288.13/£15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 15th Apr 18, 11:46 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    I've made it to the first stop on my road trip, and am staying with a friend tonight, we've had a lovely catch up and am now in bed. I 'shopped from Home' for a bottle of wine for us for this evening which is very mse and I'm 7 minutes away from my appointment in the morning. Life is good.

    Today has been a nsd. Woop woop.
    iPad is shut away at the moment so can't do my 1p a day challenge or any tilly tidies, but I will catch up tomorrow.
    After my appointment tomorrow it's a long drive from the midlands to the south west , then hotels for the rest of the week.

    I should be able to expense most things for the next week, so the question is, how many nsds can I have?
    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £25.99/£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
    7/16

    4) 1p a day challenge
    19/30

    5) use the debit card
    8/20

    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 19th Apr 18, 8:48 AM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    Hello world... quick check in whilst having a solo breakfast...

    I am exhausted, I've done 3 visits so far this week, another one today and again tomorrow, driven nearly 400miles already - which doesn't sound like a lot over 4 days, but is exhausting on top of the working day.

    Keeping within the work food allowance is proving challenging to get reasonable food, so I have topped it up a bit. I also need to pack more snacks as I've done a bit of supermarket shopping if snacks. So, basically, my plan for a week of nsds (apart from expenses) has gone out of the window. Never mind!

    I've had the confirmation that I'm going to be paid, tomorrow, for some freelance work I did in the autumn, I'd given up hope it was ever going to get paid, so it really is a bonus. For some reason, I've been taxed for it (something to do with it being because it was work in a school) but it's more money than I thought I was going to get and I'm putting the majority of it into the mop pot.

    Budgets are looking incredibly squeaky at the moment (hubby doing lots of top up grocery shops at home - grrrr) but, we're away all weekend somewhere where we can't spend money. And then there is only next week and 1 weekend. Phew!

    Have a lovely sunny day every one.
    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 19th Apr 18, 9:50 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    Well, wonders never cease. A nsd - just money spent on the Work credit card.
    2 days of the 1p challenge done - and tilly tidies made.
    Money from freelance work arrives in the morning, so I can make the mortgage overpayment for the month.
    I've cashed £28 out of PA - need to do some surveys to build it up again. I'm going to see if I can make enough overpayments to colour another brick on the count down house in. I may get there, we'll see. I've also got my offset target to meet, so I need to be busy on some income generation next week.
    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £30.54/£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
    78/16

    4) 1p a day challenge
    21/30

    5) use the debit card
    17/20

    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 22nd Apr 18, 10:41 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    Well, 7nights and 700 miles later and I'm finally at home. A very long and, at times, stressful week. This weekend has been spent with our fabulous church family on a weekend away. It was great. And it's meant two nsds. I've got a lot to do this week so I'll explain the financial happenings as, after all, that's why we're here.

    Fuel spends - as predicted I've had to wam my fuel budget but, unless I have to make a work trip this week (possible, but unlikely) I shouldn't need to fill up again.

    Payment for freelance work: this cleared in my account on Friday. I filled my work expenses pot up, only need to keep it at around £50 now thanks to the credit card, but it immediately went into use for the fuel spends on Friday. The rest of the money went into the mop pot, meaning I've reached & exceeded this month's target. Woo hoo. There is already an additional £42 in the mop pot, £196 would colour in another brick on the countdown house and bring the mf date a month closer, game on for this week!

    Cashed out £28 ish from PA, shrapnel in the mop pot, £25 into 'step 3, wage storage' on,y £300 to go to hit this month's target. (Should be covered by wages owed)

    3 days of the 1p a day challenge done

    Upcoming money in:
    Sold a sling on the boot sale app, needs to be paid for & I'll need to post, should clear £20, much less than I'd hoped to get, but it's not a popular sling and 1 high street shop sells them at massively less than the rrp, but at least it will be being used.

    Day of supply on Wednesday should be £120 a week on friday (will affect may's figures not April's sadly, but a good start.)

    Email from the train company £30.30 refund coming my way. Woo hoo.

    Wages & expenses will be paid on Friday.
    Wish.

    mse April Goals

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

    2) 13 Step plan funding
    return off set pot to pre new fix level £242.62/£542.62

    3) nsds
    10/16

    4) 1p a day challenge
    24/30

    5) use the debit card
    17/20 internet banking off line, will update later

    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 23rd Apr 18, 7:13 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    A very lazy day today, we haven't left the house. It does mean it's a nsd though.
    New washing machine has arrived. A+++ so it may save us a few pennies on the electric bill. It's got a 14minute quick wash which, when used with an extra spit cycle (10mins) it's done a good job.
    Work from home day tomorrow, Pickle back at the childminder's. Hopefully a nsd too, we'll see.
    Need an early night as I'm still very tired from the weekend and last week.
    2 days of the 1p challenge done and associated Tilly tidied made.
    Debit card use target met, should get my £5 reward with this now. Will just use the credit card now to get the points.
    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £61.95/£61.95
    C) £400 capital reduction: £102.11/£102.11
    D) mfw 2018 challenge amount: £39.11/£39.11
    Extra target: £43.08/£196.83

    2) 13 Step plan funding
    return off set pot to pre new fix level £242.62/£542.62

    3) nsds
    11/16

    4) 1p a day challenge
    26/30

    5) use the debit card
    20/20

    6) save the £2 coins (update monthly) 1 (you can see how little I use cash...)

    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
    • gallygirl
    • By gallygirl 23rd Apr 18, 9:19 PM
    • 16,589 Posts
    • 109,552 Thanks
    gallygirl
    New washing machine has arrived. A+++ so it may save us a few pennies on the electric bill. It's got a 14minute quick wash which, when used with an extra spit cycle (10mins) it's done a good job.
    Originally posted by wishingthemortgaheaway
    Doesn't use much water either by the sounds of things .

    Quickest wash on my machine is 59 minutes .
    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 25th Apr 18, 9:50 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    Doesn't use much water either by the sounds of things .

    Quickest wash on my machine is 59 minutes .
    Originally posted by gallygirl
    Oh dear Gally, my fat fingers are getting me into trouble again......
    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 25th Apr 18, 9:57 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    I'm not entirely sure where the last couple of days have gone. But they've gone by in a blur of stress and sleeplessness.
    Work is causing the stress, a poorly pickle causing the sleeplessness.
    Money wise: lost out on a day's supply today because the little one is poorly. But, this is why I do supply, so, if he needs mummy, I can be there.
    Small spend in the supermarket today to sort some fresh fruit and something nicer for tea tonight.
    5 days of the 1p challenge done - target reached for April.
    Tilly tidies made.

    Question for you all, I've got £30 of cashback 'tracked' on £Co. Estimated payable date 13th April, when will I get it?

    I'm hoping Pickle sleeps better tonight, I'm exhausted and need to do some work tomorrrow.
    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £61.95/£61.95
    C) £400 capital reduction: £102.11/£102.11
    D) mfw 2018 challenge amount: £39.11/£39.11
    Extra target: £44.39/£196.83

    2) 13 Step plan funding
    return off set pot to pre new fix level £242.62/£542.62

    3) nsds
    12/16

    4) 1p a day challenge
    31/30

    5) use the debit card
    20/20

    6) save the £2 coins (update monthly) 1 (you can see how little I use cash...)

    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 25th Apr 18, 10:07 PM
    • 1,212 Posts
    • 9,945 Thanks
    pinkypig
    Poor you, the last thing you need on the back of an exhausting work trip. Hope everything is better tomorrow and that you get some decent sleep xx
    MFW 2018 #157 Target £15,000

    £7,288.13/£15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 26th Apr 18, 7:23 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    Thanks Pinky, I have been really tired this week, but did sleep much better last night.
    Pickle went to the Childminder's today, I swallowed a huge Work frog (and dealt with several Safeguarding issues)
    I sold a Sling, received the money, posted it and purchased it's replacement (at last!) so, not a nsd, but no effect on my 'everyday' spends.
    Hubby got home late last night and left at 9 this morning, but he did do some housework jobs to help me out, I think he's realised how much I've struggled this week (especially as
    It felt like I had a golf ball lodged in my throat this morning. )
    Payday tomorrow, wages are all allocated in ynab, but I've still got my expenses to do. Only a little bit this month (half a train fare and a taxi payment) next month's will be huge due to my 700 miles of travelling last week.

    Tonight I could do with doing some housework jobs to keep on top of things, tomorrow Pickle and I need to do some shopping tasks. Then Saturday we're going red squirrel hunting with some friends.
    I 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: £61.95/£61.95
    C) £400 capital reduction: £102.11/£102.11
    D) mfw 2018 challenge amount: £39.11/£39.11
    Extra target: £48.09/£196.83

    2) 13 Step plan funding
    return off set pot to pre new fix level £252.62/£542.62

    3) nsds
    12/16

    4) 1p a day challenge
    31/30

    5) use the debit card
    20/20

    6) save the £2 coins (update monthly) 1 (you can see how little I use cash...)

    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 27th Apr 18, 8:44 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    such a lot of money news today... hold on tight for a bumpy ride.
    Pay day pay and expenses in the bank today. Various pots filled - childcare for May, £100 to step 5 for May, shrapnel to the mop pot, then the rest (not very much I only really work 1 day per week) into various steps of the 13 step plan.

    Spending today
    Mum's coffee, well it is Friday and a bit of spending in c0stc0. Thanks to some cashback vouchers from hubby buying some tires last month, cat litter, cat food, toilet rolls, 30 cans of my caffineated fizz and a huge amount of dishwasher tablets cost me £1.78. What a win.
    £20 on 2 pairs of custom, hand made knickers. My friend has a sewing business, and has just branched out into clothing including adult pants. They are so much more comfortable than my previous underwear choice (cheap from supermarket or mr sparks) and are normally £16 a pair, but they are on special offer this weekend, so two pairs purchased. Had to do a bit of warming to cover the cost, but it's worth it.

    Other stuff
    I thought I needed new tires on my car (was hoping for some more cashback vouchers) but apparently the tread is fine on them all, and one just needed a new valve and reselling which the men in C0stc0 did for free, which was amazing.
    I've put another sling up for sale this evening, just waiting for someone to get back to me, then that's sold (there's quite a queue behind this person so it should sell tonight, and I can post tomorrow or Monday)
    Tilly tidies done
    1p challenge, 1 day done.

    I'm currently £70 short of my target for the 13step plan this month, if the sling sells and I get the money for It by Monday, once I've paid postage, I should clear £30, so nearly half way there. There is currently a little tiny bit left in the spends pots for this month, but not sure if they'll survive until Monday. I do however have over £50 in the mop pot still, this is after I've met my mop pot target for the month. So I could wam from the mop pot to the 13Step plan, overall effect is the same.... hmmm decisions decisions, I'll see what I feel like on Monday.

    Tomorrow we are hoping to go red squirrel hunting and will Be taking a picnic, could be a cheap day out. Not going to hit my nsd target for this month, but I'm not actually too fussed about that.

    I've been considering contentment today, was briefly involved in a mention of it on another thread. I do feel really content with our'lot' at the moment. Things are looking ok, we are all happy, reasonably healthy (just standard winter colds/bugs) and we have a plan for the future, now things may change but, in the meantime I think I will enjoy being content. Now, if I can only find the rest of that £70 without warming the mop pot.....

    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £61.95/£61.95
    C) £400 capital reduction: £102.11/£102.11
    D) mfw 2018 challenge amount: £39.11/£39.11
    Extra target:£58.62 /£196.83

    2) 13 Step plan funding
    return off set pot to pre new fix level £472.62/£542.62

    3) nsds
    12/16

    4) 1p a day challenge
    32/30

    5) use the debit card
    20/20

    6) save the £2 coins (update monthly) 1 (you can see how little I use cash...)

    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 28th Apr 18, 8:31 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    The weather has been beautiful today.
    Two loads of washing dried on the line
    Lovely day out red squirrel watching
    Bbq with another techie widow and her little ones in the back yard.
    I did do a bit of spending to supply the bbq today for this evening so I'm actually further away from my £70, but never mind. £10 in household goods and the cash in My purse (about £7) to last me until Monday. I can do this!

    1 day of the 1p challenge done
    Tilly tidies done

    I need to have a good tidy of the house this evening, it's getting a little bit ridiculous, so a bit of diary reading and then bed.

    Wish.

    mse April Goals

    1) Mop Pot
    a) next brick on the countdown house: £6.83/£6.83
    b) interest added: £61.95/£61.95
    C) £400 capital reduction: £102.11/£102.11
    D) mfw 2018 challenge amount: £39.11/£39.11
    Extra target:£60.18 /£196.83

    2) 13 Step plan funding
    return off set pot to pre new fix level £472.62/£542.62

    3) nsds
    12/16

    4) 1p a day challenge
    33/30

    5) use the debit card
    20/20

    6) save the £2 coins (update monthly) 1 (you can see how little I use cash...)

    7) get in size 14 jeans (update monthly)
    Last edited by wishingthemortgaheaway; 28-04-2018 at 9:27 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
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 29th Apr 18, 3:43 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    Please give me your thoughts:

    Of the targets I set myself at the beginning of the month, I have achieved my mop pot target and I'm £70 short of my 13 step plan target for the month.

    When I hit my mop pot target I kept tilly tidying into the mop pot, it's now at £60.18. There is £10 in the household goods pot.

    Even if I spend tomorrow it will be a good shop for May, so, I'm sure I'm done spending April's money.

    I may (because it's never certain) get some money in tonight/tomorrow from a Sling I'm selling, after postage & fees this should be about £30.

    So do I:

    Wait until tomorrow to do my end of the month round ups or do them today?

    Do I: shuffle the money in the mop pot & £10 left in household goods to make £70.18, put the £70 in the 13 step plan and 18p overpayment or.... pay the lot off the mortgage?

    If the Sling money arrives tomorrow and I've met my 13 step plan target, do I add it to the 13 step plan or replace the money taken from the mop pot?

    What would you do? I don't know!!!

    (Interest rate wise, paying it off the mortgage is the most sensible thing to do, but it's hardly big enough to make a huge difference)

    Thank you oh wise ones.
    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 29th Apr 18, 5:53 PM
    • 598 Posts
    • 2,711 Thanks
    Busy Mee1
    Hi Wishing
    I am not sure what 13 step plan is but if you have set a target for April and you will feel better if you have hit your target, then I would do that and overpay the sling money as soon as you get it.

    Although it makes more financial sense to overpay your mortgage, it won't make a huge difference. Personally looking at your circumstances, a young family with a small mortgage and still a long working life, I would look to keep some fluid savings for the next stages of your life...bigger house, another child or even look at starting to save towards the future ( university or retirement). It all happens much quicker than you think it will !
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 29th Apr 18, 7:34 PM
    • 1,330 Posts
    • 6,187 Thanks
    wishingthemortgaheaway
    Hi Wishing
    I am not sure what 13 step plan is but if you have set a target for April and you will feel better if you have hit your target, then I would do that and overpay the sling money as soon as you get it.

    Although it makes more financial sense to overpay your mortgage, it won't make a huge difference. Personally looking at your circumstances, a young family with a small mortgage and still a long working life, I would look to keep some fluid savings for the next stages of your life...bigger house, another child or even look at starting to save towards the future ( university or retirement). It all happens much quicker than you think it will !
    Originally posted by Busy Mee1
    Thanks Busy, I'm going with reaching the target and pretending April finishes today.

    The 13 step plan is 13 mini targets so that in 27 more months we are mortgage neutral. The idea being we have some fluid savings for a bigger house initially. (Money so that we'd don't have to add any fees or charges to the next mortgage)

    I have already started saving for Pickle for the future and retirement planning is the next elephant we need to tackle,

    Thanks for your thoughts. It confirmed what I thought I would do.

    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 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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