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  • FIRST POST
    • MeandO
    • By MeandO 10th Nov 17, 11:39 AM
    • 1,443Posts
    • 6,849Thanks
    MeandO
    MeandO's mortgage-free musings
    • #1
    • 10th Nov 17, 11:39 AM
    MeandO's mortgage-free musings 10th Nov 17 at 11:39 AM
    *sneaks in from DFW board*

    Hello, I'm MeandO, I'm thirty something just and I'm a mortgage-free wannabe.

    To cut the backstory short, things kind of went like this:

    2008: Married, mortgage free.
    2011: Mini MeandO arrived.
    2013: Moved house > £60K mortgage with (now ex) husband.
    2013, later: Life went a bit pear shaped.
    2015: Single, £102K mortgage to buy ex out of house.
    2017: Moved area to a £30K cheaper house to enable me to go P/T to be around for Mini MeandO and eradicate need for childcare.

    Mortgage now: £78789.15

    So, last year I moved from a new build to an old house which needed a bit of work, mostly decorative and now 70% done. The rest will be tackled as and when (and if!) I can afford it. I went P/T at work which has increased our quality of life tenfold, but has obviously had financial implications. I also have a small business I run from home which has greatly helped to build up some savings in the past few months, but I will be closing this down soon for a variety of reasons. Hopefully one day I will be able to develop that income source again, but not right now.

    DS's Dad and I still get on well depsite being (almost) divorced and he does his fair share of parenting, so I live alone with my little boy for half the week and DS spends half the week with his Dad.
    I have a lovely man in tow now, we don't live together but are only a short walk from each other which is lovely. Hopefully one day we will 'combine households', but I don't see that happening imminently.

    My mortgage deal is fixed but expires in May 2018, so I am trying to overpay as much as possible before that date. With long term goals in mind, if I can manage to knock at least 10 years off the mortgage (currently 24 years left to run ) then I will be ecstatic.
    I'm not in the position to overpay in large chunks, apart from last year with funds from the sale of the old house, but I frequently throw pennies/pounds/chocolate buttons at the online mortgage account to reduce it by what I can. Every penny counts and all that...
    Link to my old thread for those interested:

    http://forums.moneysavingexpert.com/showthread.php?t=5650914&page=16

    Feel free to drop by for a virtual cuppa and cake, I'd pull up a chair though, I think I'll be here some time...

    M
    X
    Last edited by MeandO; 11-01-2018 at 1:42 PM.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
Page 5
    • MeandO
    • By MeandO 11th Jan 18, 2:04 PM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    My OP aim for 2018 is to overpay my mortgage by a MINIMUM of £100 a month. I know this isn't a lot to some people, but to me, a single Mum and working part time now, it's quite a lot to find sometimes whilst balancing everything else out. I'm hoping to be able to make it much more than that when I can, but it's a good starting point for me to aim for every month. It would also mean I would clear my mortgage 6 years & 7 months earlier and save me £9377 in interest!

    So far this month, I've managed to overpay by £92.19, so I have another £7.81 to find which will be no problem.

    As I won't be paying council tax for the next two months, that sees a saving of £81 a month to me. (Less than half of what I was paying in my last property which was over £163 a month WITH single person discount!!!). I shall be splitting the £162 between the savings and the mortgage - £80 towards the savings, £82 OP to the mortgage. Gosh, this overpaying lark gets addictive doesn't it!
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 11th Jan 18, 2:15 PM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    FOUND IT!!!

    I just found £15 in my purse that I didn't realise I had, so I've allocated £10 of that to the groceries budget on YNAB and paid off £10.07 to the mortgage (getting rid of that pesky 7p!).

    So that's January's target reached, anything I can overpay now for the rest of the month will be a bonus.

    Mortgage total: £78089
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • VDOT47
    • By VDOT47 11th Jan 18, 2:26 PM
    • 121 Posts
    • 350 Thanks
    VDOT47
    Well done MeandO - sounds like you are doing well! Next target must be to get rid of that pesky £89 off the balance! Make sure when you sell the broken phone that it has any personal data wiped from it first - that is the thing that always puts me off selling old phones.
    Original Mortgage (Feb '17) £269,995
    Current Mortgage (12/04/18) £246,637.06
    End Date Aug 2040 Original End Date February 2042
    • MeandO
    • By MeandO 12th Jan 18, 8:50 AM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    Thanks VDOT47, the £89 is definitely the next port of call, although I think it will have to wait until the main mortgage payment comes out now.
    I got home to leaking pipework around my boiler yesterday which I only had put in last year, so I have a plumber coming out today which will deplete my savings pot no doubt.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 12th Jan 18, 9:06 AM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    Had to pay £6 this morning to DS's school for 'fruit money'. I wouldn't mind, but I know he won't touch the fruit with a bargepole and never eats any of it...

    I've had breakfast at my desk today and have brought lunch in again too to save the pennies. The thought to buy a nice breakfast out did cross my mind, but I don't want to part with the money in my purse and really didn't need it. I'm quite glad I've used up the vat of soup I made last week as I was getting fed up with it every lunchtime. As tasty as it was it will be nice to have something different today!

    I got some nice YS sausages out of the freezer this morning to defrost for tonight. I have lots of onions from a sack I bought at costco for £2.50 last week, so I will cook some onions, garlic and mushrooms together and steam a bit of broccoli from the fridge to go with it. Yum!

    A few more surveys completed this morning, the points are building up nicely and I'm still very close to the £5 payout on one, just willing a couple more surveys to come along.

    Annoyingly, I had a payment come out of the account that I wasn't expecting - it's a new life insurance/critical illness policy I took out in November and they've staggered the payments. Would have been nice to have been told though - I had to phone them a couple of days ago to say I still hadn't received the policy documents from them so they're going to 'resend' them... Anyway, I've transferred money from one of my other less important pots to cover it for now.
    Last edited by MeandO; 12-01-2018 at 11:42 AM.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 12th Jan 18, 11:50 AM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    I've been playing around with my various online savings 'pots' this morning to see if I can make things work better for me.

    I have one account which I have been saving between £150 - £350 every month for the past few months. Although it's nice to see the balance build up, I have been dipping into this for everything that requires savings - the car, house, credit card and I don't think it's the best way to be working. This morning I have renamed a few of my online 'pots' and allocated monthly funds as such.

    Savings: £150pm (I'd like to leave this untouched as my emergency fund).
    Car: £100pm (maintenance, tax, insurance, but not fuel)
    House projects: £75pm (lots needs doing!)
    Gifts: £50pm (Christmas & birthdays)
    Holidays: £25pm (not planning any this year, so this will be used for school hols etc)

    Along with the bills, groceries, diesel, personal spends etc, this leaves round a £20 a month buffer which can be used to cover anything else that crops up or as an overpayment towards the mortgage.
    Roll on payday so that I can implement my plan!
    Last edited by MeandO; 12-01-2018 at 11:54 AM.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • Eager_Elephant
    • By Eager_Elephant 13th Jan 18, 8:38 AM
    • 4,405 Posts
    • 25,233 Thanks
    Eager_Elephant
    I work my savings the way you are going to move to as I find it easier to know what each pot is for - if I had them all in one I would probably spend on all sorts of things and then when the car went wrong not have the money to cover it.

    I use YNAB and you are supposed to keep all your money in one account but I cant do that at the moment as I dont trust myself.

    I have loads of online savings accounts linked to my bank account, all with different names. No one usually sees them but me but I paid some Xmas money in the other week and the cashier said 'Wow you have loads of linked accounts;', I told her it was so I can keep track of everything and also I change the accounts when the interest drops and get another one and then wait a few months and get the old ones closed down. She must have thought I was mad!!!
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • MeandO
    • By MeandO 15th Jan 18, 10:59 AM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    Glad to hear it works for you too Eager_Elephant.
    I have dabbled in doing it this way before, but the money never really stayed in any of the accounts for long and topped up the main account when I overspent. Since using YNAB properly I am much more protective of my pennies, so tend not to overspend like I used to.

    I wonder if the bank cashier has taken a leaf from your book now though and has lots of accounts of her own!
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 15th Jan 18, 11:36 AM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    I've had a surprisingly rewarding weekend of getting things done in the house and feel really good about what I've achieved.

    I removed the old tiles in my bathroom and re-tiled the remaining part that needed doing, managing to take all of the old tiles to the tip too. I filled walls that needed filling, removed the horrible electric towel rail and bathroom cabinet that has been there since I moved in; put up the new bathroom accessories and started to drill holes for the new mirror but need a new drill bit.
    I even managed to strip and re-make both beds, do 4 loads of washing, put up a blind in the spare room that had previously fallen down, attempt to put up the other one in the other spare room (but failed), and hoovered through the house. Twice.
    I even made sure I ate well, stuck within a daily calorie limit and felt pretty virtuous for doing so! A productive weekend...

    Today a plumber is at my house, fixing a leak that was discovered on Friday (caused by the last plumber who did a cr&p job). He is also installing my new shower and replacing a rusty radiator for a really reasonable price.
    I also have ordered UPVC panels for the shower, rather than tiles. The plumber pointed out that it will be a lot harder remodelling the bathroom as planned than at first thought, so he has suggested I do things a different way which means I can do most of the work myself and save the need to have a builder in. I have been waiting for almost a year for a builder who promised to do the bathroom within a couple of months and had saved the £975 it would cost. If I do the work myself this way, I will save around £500.
    I'm up for that challenge!

    The panels have cost me around £220 and the tiles and materials I needed this weekend cost me £23 after returning an item I no longer needed. The plumber is costing £180. Hopefully, the rest of the bits I need won't cost more than £50 and I'll have some new skills under my belt.
    I had already bought some items for the original plan of work, but have listed these on gumtree to hopefully sell them for not much less than purchased.

    I've just had an email to say my old mobile phone has been received by the company I sent it off to, I should hear today about the result of that and hopefully the £65 will be in my bank account very soon.

    I purchased a few Christmas gifts on Saturday night (yes, Christmas! ). They were reduced from £25 to £10 each, so I purchased 3 which will mean 3 couples can be ticked off mine & OH's list and 2 more smaller gifts have been bought. One I will be giving to DS's Dad for Father's Day and one will be put away for OH's birthday. I've transferred the money from the savings pots to cover this.

    I also received the £5 amazon reward ordered from surveys last week, so have credited that to my amazon account. Hopefully I'll earn another this week.

    Ooh - just had someone ask to collect one of the bathroom items for sale, so that will be £35 coming my way, hopefully tonight.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 15th Jan 18, 2:01 PM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    Another £5 amazon voucher earned from surveys today
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 16th Jan 18, 9:34 AM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    £35 received from yesterday's sale and a big space cleared in my spare room. I would have like to put that money in one of the savings pots, but will keep it in my purse for now to pick up a few bits of shopping that we need. Any left will hopefully go in the bank when I get a chance to pay it in.

    I ordered DS something else to go towards his birthday last night - £14.99 reduced from £24.99 and something I know he'll love. Just need to pick that up when DS is at his Dad's later this week.

    Tea last night was chicken noodles and I made double the portion so that I had a portion for lunch today. I've got tortellini out of the freezer for DS tonight and smoked haddock for myself and OH who is coming round for food. I'm still eating well and feeling much more positive for it.

    The low fuel light came on in the car this morning so will definitely have to get fuel tonight. I usually fill the car up but wll only be putting £25 in tonight as that is pretty much all that will be left in the main account once everything else is accounted for!

    Still no email about the phone trade in, will contact them today.

    YNAB all up to date.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 17th Jan 18, 12:03 PM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    £25 of diesel in the car last night, as planned.
    £29 spent in home bargains on groceries and household items, paid with the cash from my purse.

    I received the £65 from the phone trade in yesterday too. I've spent a bit on supplies for DS's birthday and birthday cake, so there's £45 of that left in the account now. I think I'll leave it there for the time being, then split it between the savings and the mortgage if it's still there by payday next week.

    Last night I made 5 portions of yummy soup with veg from the fridge that needed using up. I've brought one for lunch, the rest are split between the fridge and freezer at the moment.

    I had another rubbish night's sleep last night - it's got to the point where I can't remember when I last slept well, so I feel like I'm running on empty at the moment. I've also hurt my back somehow - no idea how or when - but it's painful today and was really sore in the night. I'm hoping a hot bath and paracetamol will help tonight.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 17th Jan 18, 1:03 PM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    So, I guess I'll be paying any spare cash into the savings after all... just got rumbles that work is in trouble, and I have just lost the option to return full time, I now have to be perm part time.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 19th Jan 18, 10:33 AM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    I completed more surveys last night and this morning, so I'm all up to date with those now.

    I've received a refund of £52 to the credit card for the wrong parts I purchased for the bathroom. Thankfully, the company alerted me that X wouldn't fit with Y before they sent it out, so they have sent me a link to the parts I need which have the added bonus of being over £30 cheaper! Great service from this company.

    I had already paid the money off the card using the savings, so, once some other items are refunded (which I've chased today), I think I'll accidentally have a positive balance on the credit card. Not to worry, I will order some more of the materials I need for the renovation and it'll soon go...

    I've brought breakfast and lunch into work today and dinner for OH and I tonight is defrosting. DS is with his Dad tonight.

    Tomorrow I plan on dropping a couple more bags to the charity shop and clearing them from my spare room. I also want to enquire with a DIY store as to whether I can return the other bathroom item I no longer need. It's still in the packaging, but was a few months since I bought it. It's worth asking, even if a credit note is issued.

    Payday is less than a week away and boy, it can't come quick enough.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 22nd Jan 18, 11:43 AM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    The weekend goes by so quickly, suddenly it's Monday again.

    At the weekend, I dropped the bags at the charity shop on Saturday and helped OH take some things to the tip. We listed a few other items on gumtree for him (one being collected tonight) and got rid of loads of cardboard boxes from his attic.
    I returned the last bathroom item to the DIY shop (after checking the day before that they would take it back - it's heavy!) and they refunded £40 onto a card for me. I lost £10 on it as I originally paid £50, but happy to get rid of it as it was taking up space and at least get some money back. The gift card will be used soon enough, I'm sure.

    I have bought OHs birthday presents now which have been paid for on the credit card, but I have had a refund of £128 credited to it today (which I had to chase ). A few other bits for the house have gone onto the card this weekend too, but the balance shouldn't be so large that it's not difficult to pay off within the next month.

    I have a few more surveys to do today and also list a few more things on a fb selling page locally for OH.
    Payday is 3 days away, I am counting the days. This month seems the longest ever, both financially and time wise.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 22nd Jan 18, 2:55 PM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    I had to dash home at lunchtime to accept delivery of the last remaining bits for the bathroom renovation - some cladding panels thingies to cover up the really dodgy tiles in the shower cubicle.
    Now I have no excuses not to finish it all off except I don't know what the heck I'm doing.
    I predict a steep learning curve and lots of swearing ahead.

    I need to get my backside back to the healthy eating again this week. Today is a write off, as was the weekend, but tonight I shall meal plan again. I felt so much better last week for eating well and lost 4lbs in the process. I've probably put that back on after the weekend of eating whatever was quick and easy.

    There is still a 'spare' £27 in my bank account which I'd really like to use as an overpayment, but I'm thinking it may be better to hold on to it until payday... but I do have around £15 in my purse that I can use too... and the temptation to OP is burning a hole in my bank account - think i'll use some of it to make a teensy eensy overpayment to the mortgage now...
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 22nd Jan 18, 3:01 PM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    I OP'd it...

    New mortgage balance now: £78,062

    OP 2018 (£100pm): JAN: £129.26/£100

    If I 'find' £62 in the next two days, I know what I'm doing with it!
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 22nd Jan 18, 10:46 PM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    I guess iíve got quite a bit done since getting home from work today, but feeling a bit like Iíve missed out on an evening for some reason... probably because iíve been fleabaying for a good while tonight.
    Iíve listed lots of stuff for OH and also joined a local fb selling page and listed a few bits on there. Iím not entirely hopeful of much shifting tbh, but it would be nice if at least some of it does. OH has had a ridiculous amount of expense the past couple of years (think particularly nasty ex and a court case ) and it show no sign of let up presently. He also needs to get some major work done in his house and the money just isnít there.

    Onto other things, I managed to drill one of the two particularly difficult holes in the bathroom that have taken me days to do. Iím drilling through tiles, but itís proving a real labour. One is finally done though, the other I will try and do tomorrow then I can get on with putting the mirror up and grouting the tiles.

    I made a big cheesey/sweet potatoey/beany version of a cottage pie tonight for DSís and my dinner tomorrow. (Whether DS will eat it or not is another question...). There will be at least 2 or 3 portions to freeze too and itís used up some mince I had in the freezer for ages and some root veg from the bottom of the fridge.

    Iíve also started compiling a shopping list to place an online order next week, after payday, and when we really need it, not before. We are going to see my parents this weekend so we wonít need groceries this weekend. Diesel costs on the other hand, will be more than normal as itís at least a 3 hour drive each way on a good day.

    The woman who was supposed to be collecting an item tonight rearranged for a later time then nevertheless showed up. So annoying. I will see if another person who emailed me still wants the item.

    Two loads of washing have been done and dried in the tumble dryer. I canít wait until the weather is nice enough to peg washing out again, it feels like a long time ago since that was possible.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 23rd Jan 18, 2:10 PM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    More bad news at work today - more redundancies are in the pipeline. It's not my department this time, but still feel bad for those that it does affect.

    Not much moneysaving to report, apart from me dipping my toe back into swagbucks today. I have an account from years ago but never really bothered with it that much, however, I've seen some real successes on here so thought it would be worth trying it again. I find it all a bit confusing tbh, even the guide to it on the 'up your income' doesn't seem to sink in easily. I have reached my target for the day though (which wasn't very high to be fair), so I may look into it again later at home.

    I need one more survey to earn another £5 Amazon voucher, funnily enough I've been screened out of the three I had today...

    Some of OHs items listed on ebay last night sold this morning, so that's around £12 in the pot once fees and postage are accounted for.

    I've just been writing down my budget for the coming month.
    I plan to put around £400 into various savings pots this month, which will boost the cofferes somewhat. I should be able to save an extra £100 too, hopefully, as I don't have to pay one bill until the end of March now. I also haven't factored in the council tax savings this month. I am hoping to pay that off the mortgage as an overpayment, but as it's DS's and OH's birthdays this coming month and DS needs new school uniform, I'm not sure how feasible that is.
    Last edited by MeandO; 23-01-2018 at 2:12 PM.
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
    • MeandO
    • By MeandO 23rd Jan 18, 8:00 PM
    • 1,443 Posts
    • 6,849 Thanks
    MeandO
    Iíve finally been able to cash in the £5 survey voucher, although iíve opted for PayPal this time rather than amazon vouchers. This is 25 Ďpointsí extra, but I donít really need the vouchers atm. Think iíll use it as a little mortgage overpayment which always boosts morale.

    Iíve grouted the bathroom tonight and put the new mirror up, now a bit bored and not sure what to do with myself. !!!128532;
    Mortgage Feb 2015: £102,000 Mortgage now: £75,900

    2018 OP's: J:£129.26 F:£287 M:£150 A:£157.31 M:£164.19 J:£427.95
    Emergency Fund: £1000/£5000
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