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  • FIRST POST
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 13th Jul 17, 7:39 PM
    • 1,587Posts
    • 7,823Thanks
    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 32
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 16th Jul 18, 11:30 PM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    Another 'I haven't touched the bank account' day. Great news. Ice cream out, but paid cash. Loaf of bread purchased, but paid cash. I've got about £10 left in cash so that should be fine for tomorrow.
    Daily bank account allowance has gone up to £19.68. So,
    If I don't touch the account tomorrow I could take £20 out of the account on Wednesday without it affecting my daily amount.
    Wish

    MSE July goals

    1) Mop pot:£215
    1) interest added £61.95/£61.95
    2) nice round number £17.12/£17.12
    3) £400 mortgage capital reduction £23.08/£112.14
    4) MFW2018 target 0/23.79

    2) 13 step plan
    £345/£900

    3) Nsds
    5/7
    3a) daily allowance from 'lakes budget'
    £19.68 (+98p)

    4) 1p a day challenge
    34/31
    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 May 20/100 June 21/100
    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 17th Jul 18, 9:53 PM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    A no spend day today woo hoo. We went swimming with Pickle (hubby paid) the. Straight home and back out again to the Crèche for the little ones while the main conference is running. Nap time and then Pickle was hard work this afternoon. So we didn't leave the house again. All good
    For the finances.
    Wish

    MSE July goals

    1) Mop pot:£215
    1) interest added £61.95/£61.95
    2) nice round number £17.12/£17.12
    3) £400 mortgage capital reduction £23.08/£112.14
    4) MFW2018 target 0/23.79

    2) 13 step plan
    £345/£900

    3) Nsds
    5/7
    3a) daily allowance from 'lakes budget' £21.41 (+£1.19)

    4) 1p a day challenge
    34/31
    Last edited by wishingthemortgaheaway; 18-07-2018 at 6:23 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 May 20/100 June 21/100
    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 20th Jul 18, 6:36 AM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    Well and truly in 'middle of the month financial desert' with really not much going on. All the direct debits and automated debit card payments have been paid for the month, so no more tilly tidies to be done from there. It's overtime and expenses deadline today, my boss authorised by half day overtime (quiet month this month!) and expenses (only £50 ish) yesterday so they will be paid on the 30th. Between now and next deadline day I have 1 trip booked in, which is standard time, not overtime, but there will be some expenses.
    Yesterday was interesting. Hubby's stage manager was poorly, so I had to step in. I've not staged managed since my uni days, so it was a little tense, but everyone and everything ended up in the right place at the right time.
    As a result the top up shop didn't get done so tea wasn't exactly healthy due to the lack of veggies. A job for this morning. As long as I don't spend more than £64 today (I blooming hope it's not that much even in spensive supermarket) I've still got £20 a day in the budget. The next two weeks will be more expensive as more people are around for us to socialise with. Even so, I do feel I'm doing really well with the budget this year.
    Wish

    MSE July goals

    1) Mop pot:£215
    1) interest added £61.95/£61.95
    2) nice round number £17.12/£17.12
    3) £400 mortgage capital reduction £23.09/£112.14
    4) MFW2018 target 0/23.79

    2) 13 step plan
    £345/£900

    3) Nsds
    5/7
    3a) daily allowance from 'lakes budget' £21.41 (+£1.19) £22.75 (+£1.34)

    4) 1p a day challenge
    34/31
    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 May 20/100 June 21/100
    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 20th Jul 18, 10:25 PM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    Well, I was hoping o wouldn't spend more than the £64 and I haven't - just!!! B00th5 is sooo expensive. £27 for a few bits. £15 in the butchers, plus a pickle treat ice cream and breakfast pastries with a friend and that's £60 poof gone! My daily allowance is down to £20.22,
    So at least it is over the £20 I wanted and we should (I hope) only need some bread & milk until this time next week. As I've said previously. The next two weeks will be more spends than last week as we have more people here to see. My motivation to keep the spends down though is my 13 step plan.....
    Wish

    MSE July goals

    1) Mop pot:£215
    1) interest added £61.95/£61.95
    2) nice round number £17.12/£17.12
    3) £400 mortgage capital reduction £23.12/£112.14
    4) MFW2018 target 0/23.79

    2) 13 step plan
    £345/£900

    3) Nsds
    5/7
    3a) daily allowance from 'lakes budget' £22.75 (+£1.34) £20.22 (-£2.53)

    4) 1p a day challenge
    34/31
    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 May 20/100 June 21/100
    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 20th Jul 18, 11:02 PM
    • 1,331 Posts
    • 10,603 Thanks
    pinkypig
    Have you arrived in the Lakes Wish? Sounds a great way of getting some extra family time
    MFW 2018 #157 Target £15,000

    £13,099.94/£15,000
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 21st Jul 18, 7:21 AM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    Have you arrived in the Lakes Wish? Sounds a great way of getting some extra family time
    Originally posted by pinkypig
    Yes we are here, week 2 starts today. As for family time, that's the theory, but there are a few personnel challenges this year tha hubby is having to cover, so we are seeing less of him.
    Never mind, lots of friends around for the next two weeks so lots of people to see.
    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 May 20/100 June 21/100
    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 Jul 18, 7:28 AM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    Oops, it's been a few days since I posted, but that's because my financial life is wildly boring and not because I've had some major retail blow out. It doesn't feel like the bank accounts have moved for days. I've had some low spend days and some no spend days, the budget for the remaining time away (11 days) is looking quite healthy. The most I've taken out of the bank in recent days is £10 and I've not used my card at all.
    I will spend today, the techie boys (sound, light& you tube streaming) are going to have their haircuts, so I'm going to tag along with Pickle and get his mop done too.
    We (or rather hubby) has had a bad night with him. The first one in ages, so not sure what the deal for today is: 7:20 and no sign of the Pickle being awake is concerning. How long were they up for in the night?

    My work payslip should arrive today, I know roughly what it will be, but tax rebates etc make it hard to know exactly. I can't wait to give YNAB a little Work out.

    Oh, can everyone stop talking about heatwaves please? It's not the whole country at all, in the lakes it's just 'not quite as rainy as normal'
    Wish

    MSE July goals

    1) Mop pot:£215
    1) interest added £61.95/£61.95
    2) nice round number £17.12/£17.12
    3) £400 mortgage capital reduction £23.12/£112.14
    4) MFW2018 target 0/23.79

    2) 13 step plan
    £345/£900

    3) Nsds
    5/7
    3a) daily allowance from 'lakes budget' £24 (+£1.78)

    4) 1p a day challenge
    34/31
    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 May 20/100 June 21/100
    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 Jul 18, 7:05 PM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    A beautiful Lakeland day today and, thanks to a non sleeping Pickle last night, much of it was spent inside. He had his lunch at 11 and was back in bed for a nap at 11:30 and didn't get up until nearly 2.
    After this he got his hair cut (£8) looks good we had ice cream (3 of us £7.50) and then I bought tickets for Pickle And I to a music show tomorrow afternoon (£8) this amazingly comes in at 50p under the daily budget. Miracles do occur.
    Tomorrow is another unknown quantity, then from Thursday we are into single
    Figures before we head home.

    Oh, in other news, Work payslip arrived today, I'm going to be paid for half an hour's over time not half a day! Oops, error. It will be rectified, but not until next month - oh well, it all goes into savings anyway.
    Wish

    MSE July goals

    1) Mop pot:£215
    1) interest added £61.95/£61.95
    2) nice round number £17.12/£17.12
    3) £400 mortgage capital reduction £23.12/£112.14
    4) MFW2018 target 0/23.79

    2) 13 step plan
    £345/£900

    3) Nsds
    5/7
    3a) daily allowance from 'lakes budget' £23.60 (-40p) - gone down becuase I took £20 cash out of the bank then paid an additional £8 on the card for the tickets. I still have some of today's cash left.

    4) 1p a day challenge
    34/31
    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 May 20/100 June 21/100
    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 26th Jul 18, 7:17 AM
    • 675 Posts
    • 3,028 Thanks
    Busy Mee1
    Hope Pickle slept better last night and that you can get out today to enjoy the good weather.
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 26th Jul 18, 7:06 PM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    Thanks Busy, yes, he slept much better - didn't call to be released from his prison (aka cot) until 7:30 this morning. We've been put a bit today but, dare I say it, it's just been too hot! (I have never said that in the Lake District before).

    A nsd hooray - not keeping count this
    Month, but feel like I'm not doing too worse than normal, I also counted up and I've got £9 ish in cash in my purse too, that's nearly half a day's allowance.

    Down to 9 day's remaking of this little trip and tomorrow's allowance will increase to £26.22. I do have another 'weekly shop in the spensive supermarket' coming up, but working on a basic allowance of £20 a day, I think I can cover the shopping with the amount above that £20. We'll see though.

    All in all, very boring in Wish's financial world. End of the month coming up, but I've already done most of my tilly tidying and I've only got my wages (reduced due a payroll error) and work expenses left to account for. I'm not going to make my £900 mop pot target and probably not even my mfw target either this month - it's amazing how much difference a couple of half days of supply makes.
    Never mind.
    Come the 4th August, anything left in the current spends pot will be transferred into the 13 step plan and mop pot, I've got a work trip with decent mileage expenses
    Coming up, and I'll receive the pay I won't get at the end of this month. So loooking better already.
    September should be at least 2 additional work days and October already has 1 additional day booked
    Wish

    MSE July goals

    1) Mop pot:£215
    1) interest added £61.95/£61.95
    2) nice round number £17.12/£17.12
    3) £400 mortgage capital reduction £23.12/£112.14
    4) MFW2018 target 0/23.79

    2) 13 step plan
    £345/£900

    3) Nsds
    5/7
    3a) daily allowance from 'lakes budget' - £26.22 (+£2.62)

    4) 1p a day challenge
    34/31
    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 May 20/100 June 21/100
    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 30th Jul 18, 7:31 AM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    Just Popping in with a quick 'pay day' update. All money for the month is now in and targets haven't been met but, I've still added £600 to the 13 step plan, to put this in context, my normal, basic salary is £591 (net) so I've saved my entire salary this month (thanks to supply work, over time, expenses and being savvy) I really cannot complain about that. There is also the mop pot and the 1p a day challenge amount which are in addition to the £600 in the 'offset' plan.
    We're on the final stretch of our time away. Daily allowance amount has fluctuated slightly. Today should have been £28.50, but my 13 step plan was sitting at £595, and I couldn't let that happen, so I sacrificed £5 from the entire amount which has less than £1 a day effect on my daily allowance.

    I've not decided what I'm going to do about August yet, need to number crunch. By not meeting this month's targets August's targets will increase as it's based on the average required each month for the plan, alternatively I can keep the starting target the same as this month, then roll over the undersave to catch up.
    Hmm
    I'm thinking towards option 1 as it's August, no supply work, and only half a day additional hours at work.
    I'm hoping I'll have a little boost at the start of the month with any 'holiday' money left over being able to be added to the pots.
    Hmmm ponder ponder....
    Have a good day everyone.
    Wish

    MSE July goals

    1) Mop pot:£215
    1) interest added £61.95/£61.95
    2) nice round number £17.12/£17.12
    3) £400 mortgage capital reduction £39.94/£112.14
    4) MFW2018 target 0/23.79

    2) 13 step plan
    £600/£900

    3) Nsds
    5/7
    3a) daily allowance from 'lakes budget' - £27.66

    4) 1p a day challenge
    34/31
    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 May 20/100 June 21/100
    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 Aug 18, 9:34 AM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    Here we are 1st August, my diary is just over a year old and all the monthly money stuff has happened. So here I am with my targets for August:

    The Lakes Budget
    4 days to go
    Daily allowance £19.25
    Dropped below £20 a day for the first day in ages, but I bought a film on download last night for a techie widow's girlie film night. I can't see me spending much today, but we'll see (we also had brunch out yesterday with a friend and it was my turn to pay.)

    Mse August Goals

    MOP Pot £315.81 (massively under achieved last month)
    1) Next brick on the countdown house £32.44/52.53
    2) interest added 0/10.68
    3) nice round number 0/£89.32
    4) MFW2018 August amount 0/57.47
    5) MFW2018 July catch up amount 0/105.81

    13 Step plan
    £120/£600

    NSDs
    0/6 (really not home much this month either)

    1p a day challenge days
    0/31
    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 May 20/100 June 21/100
    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 Aug 18, 9:59 PM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    we go home tomorrow (briefly!) most things are packed, just the last bits and bobs to go. I'm looking forward to being home, but will miss it here.

    The Lakes Budget
    1 day to go, £10 of the budget in the bank, a few pounds in my purse (plus £6 in £2 coins that now don't count and need putting with the rest of them at home! )
    I feel like I've done quite well, but am a little sad There is no surplus for the mop pot. Tomorrow I think Pickle and I will end up with a brunch out before we leave. I also want to get a bottle of whiskey for hubby for our wedding anniversary in a couple of weeks, this will have to come out of the August pot. I have upped the amount I put aside each month for this trip from £50 to £60 a month, that means in 2019 we'll have £700 for these three weeks and 2020 we'll have £720. By 2021 Pickle will be in school so we won't be able to come for as long.

    Mse August Goals

    MOP Pot £315.81 (massively under achieved last month)
    1) Next brick on the countdown house £40.62/52.53
    2) interest added 0/10.68
    3) nice round number 0/£89.32
    4) MFW2018 August amount 0/57.47
    5) MFW2018 July catch up amount 0/105.81

    13 Step plan
    £135/£600

    NSDs
    0/6 (really not home much this month either)

    1p a day challenge days
    0/31
    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 May 20/100 June 21/100
    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 Aug 18, 6:16 AM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    6am Monday morning and whilst we are currently at home, that will change in the next few hours as we set off on our next trip. This time it's a work trip for me
    Combined with some holiday.

    It has actually been a speedy weekend. I bought a Christmas present (Christmas budget) wedding anniversary present for hubby (random stuff budget) a bottle of gin for me (spending money budget) some groceries to get us through the weekend (groceries budget) and then treated Mum and dad to a meal out yesterday (restaurants budget) so lots and lots of decimated budgets and not really much chance of recouping anything.
    Travel expenses for this week will be repaid at The end of the month, and I'll have some overtime. I do have a meeting on 24th August where hopefully they will propose putting my hours up. We will have to see (but I need it to get the job done more than anything else)

    Just about finished packing. Have been up for hours thanks to the little one. Just had a shower, so will sort myself out before rousing the rest of the house.

    The Lakes Budget
    Well, we came in just a few pence under budget, if you discount the bottle of whiskey for hubby and bottle of gin for me, but both of those purchases would have been 'afforded' within the budget at the 'new' £700 level for 2019 - so increasing this is definitely the way forward.

    Mse August Goals

    MOP Pot £315.81 (massively under achieved last month)
    1) Next brick on the countdown house £42.82/52.53
    2) interest added 0/10.68
    3) nice round number 0/£89.32
    4) MFW2018 August amount 0/57.47
    5) MFW2018 July catch up amount 0/105.81

    13 Step plan
    £135/£600

    NSDs
    0/6 (really not home much this month either)

    1p a day challenge days
    0/31
    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 May 20/100 June 21/100
    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 Aug 18, 10:44 PM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    I'm out of the habit of a daily update as my life has had no routine for weeks. Next week it will return to some normality. And so may my mse ways.

    A nsd today, and Monday. Yesterday I bought an ice cream whilst on the way home from work, so quite low spend days.

    Next week hubby was meant to be away working, but the job has been cancelled. He's managed to negotiate half his fee due to the late cancellation, but it does mean he's likely to be kicking around at home costing me money on food when otherwise Pickle & I would be eating leftovers from the freezer.

    Ho hum, never mind!

    Wish.

    Mse August Goals

    MOP Pot £315.81 (massively under achieved last month)
    1) Next brick on the countdown house £44.73/52.53
    2) interest added 0/10.68
    3) nice round number 0/£89.32
    4) MFW2018 August amount 0/57.47
    5) MFW2018 July catch up amount 0/105.81

    13 Step plan
    £135/£600

    NSDs
    2/6 (really not home much this month either)

    1p a day challenge days
    0/31
    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 May 20/100 June 21/100
    Term Mortgage free date: October 2029 Current mortgage free date: April 2025 March 2024 Jan 2024
    MFW 2018 Challenge Member #162 £1600ish/£2,500
    • doingitanyway
    • By doingitanyway 9th Aug 18, 9:04 AM
    • 3,241 Posts
    • 17,255 Thanks
    doingitanyway
    At least you and Pickle get hubby's company
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 9th Aug 18, 10:20 PM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    At least you and Pickle get hubby's company
    Originally posted by doingitanyway
    You are right DIA, it will be nice having him around for a bit - we are back to 'normal' routine next week, Childminder etc for three days and I have a mountain of work to do, I'm hoping hubby may use some of the time to get some tasks around the house done, which he hates, but are in desperate need of some attention.
    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 May 20/100 June 21/100
    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 Aug 18, 10:25 PM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    A low spend rather than no spend day today. We took a trip into central London's, so have paid out a little on transport to take Pickle to Tate Modern. He loved the view from the top of the new building and made some good observations of some of the art we saw (pleased the artists weren't around though, I think they may have been a little upset to hear their creations described as a den and Sand castles' ) still a lovely day and I enjoyed the rain.
    Heading home tomorrow and back to reality, after pretty much a month away, I'm ready for it!

    Wish.

    Mse August Goals

    MOP Pot £315.81 (massively under achieved last month)
    1) Next brick on the countdown house £45.13/£52.53
    2) interest added 0/10.68
    3) nice round number 0/£89.32
    4) MFW2018 August amount 0/57.47
    5) MFW2018 July catch up amount 0/105.81

    13 Step plan
    £135/£600

    NSDs
    2/6 (really not home much this month either)

    1p a day challenge days
    0/31
    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 May 20/100 June 21/100
    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 10th Aug 18, 9:38 PM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    Oh my Word! The worst journey back from London, 10.5 hours (should be about half of that!) I have no energy to do anything now, I just need to go to bed! Spends today have been low (amazing how cheap sitting in a car all day is!!!)
    Tomorrow I need to get back into 'Home' routine! I'm meant to be meal planning and writing a shopping list tonight, but that will have to wait for tomorrow now!

    Wish.

    Mse August Goals

    MOP Pot £315.81 (massively under achieved last month)
    1) Next brick on the countdown house £48.56/£52.53
    2) interest added 0/10.68
    3) nice round number 0/£89.32
    4) MFW2018 August amount 0/57.47
    5) MFW2018 July catch up amount 0/105.81

    13 Step plan
    £135/£600

    NSDs
    2/6 (really not home much this month either)

    1p a day challenge days
    11/31
    Last edited by wishingthemortgaheaway; 10-08-2018 at 11:11 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 May 20/100 June 21/100
    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 11th Aug 18, 8:59 PM
    • 1,587 Posts
    • 7,823 Thanks
    wishingthemortgaheaway
    Back to reality with a bump. But actually it's been quite nice. All the washing has been done and there are only a few bits left hanging in the bathroom to dry. Everything else dried in the sunshine this morning. Spends we're only the groceries today following a meal plan and shopping list writing. Under £50, so there is £113 left in the pot for the last two weeks of August, hubby is away from bank holiday Saturday so it's only really 1 week to go.

    I've also decided I need to apply some mse mindsets to my health and general levels of fitness. I had a quick scoot round some of the boards here but unsurprisingly can't find a health & fitness diary board. So, I've roped in a few friends who are going to be my accountability partners. I'm not going for any particular weight or dress size targets to start with, just a general 'be a bit more healthy'

    I'm using the 'blink' bot on fb messenger to send me a list at 9pm each evening which I will fill in and send to said friends. I'm going to be counting,

    Number of steps
    Portions of fruit & veg
    Amount of bread eaten
    Snacks consumed
    Water drunk
    Anything else.

    Hopefully my the time of sister in law's wedding do come October these habits will be a little more ingrained and I can move onto something else! (And if I'm a little less like an elephant that will be good too)

    Night all.
    Wish.

    Mse August Goals

    MOP Pot £315.81 (massively under achieved last month)
    1) Next brick on the countdown house £50.72/£52.53
    2) interest added 0/10.68
    3) nice round number 0/£89.32
    4) MFW2018 August amount 0/57.47
    5) MFW2018 July catch up amount 0/105.81

    13 Step plan
    £135/£600

    NSDs
    2/6 (really not home much this month either)

    1p a day challenge days
    11/31
    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 May 20/100 June 21/100
    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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