NO MORE SPENDING
18. 09. 2014

Shoes

Here’s my shoe collection in its entirety – six pairs. Which if I’m honest, is not quite enough. I could do with a pair of low heel/flat black shoes for when summer ends and winter starts – I find boots and socks far too hot before November/December – and so I’m adding a pair to my wardrobe wish list.

My wish list is currently very short as I’ve not been focusing on my wardrobe at all over the last few months. But now that we’re approaching the cooler months, I realise that I need a few items. The shoes as mentioned and perhaps a couple two long-sleeved t’s.

The above shoes need a little tlc too. Shoe maintenance and cleaning is always on the list to get done, but never seems to….perhaps today is the day I change that!

Further Reading: My Minimalist Wardrobe

14. 09. 2014

Spending Report

I log my spending every week as it helps me to stay on track with my budget.

Monday
– No spend day

Tuesday
– £10.00 Oyster Card Top-Up
– £10.00 Lunch
– £3.92 Coffee
– £2.79 Fruit Snack

Wednesday
– No spend day

Thursday
– £44.11 Grocery
– £3.60 Magazine!

Friday
– £18.50 Dental Check-Up
– £20.00 Gift
– £8.80 Grocery (Toiletries)

Saturday
– £83.60 Rail Tickets x 6

Sunday
– No spend day

I went to London on Tuesday and had lunch with a blogging friend followed by coffee with my daughter. Thursday was my weekly food haul, but I then added to my grocery spending for the week by buying a few toiletries. I had a dental check up on Friday, all was well but I am going to the Hygienist in October for a clean etc.

On Saturday I purchased six rail tickets but I’m owed for two of them by a family member.

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12. 09. 2014

apartment living

When we first set out to look for an apartment we put together a couple of the usual home buying lists, essentials, would like, etc, that people make. The lists were so helpful in helping us to narrow down our search.

Some of the things were more important than others. For example, being able to walk to the train station was a must, so was being within walking distance of grocery stores. I didn’t put it on the list, but we were also trying to move closer to my Dad + reduce M’s commute to work.

We had two places in mind for our search. One, our preferred town, seemed out of our price range (to achieve mortgage freedom) and we sort of gave up looking there. The other, although in our price range, didn’t seem to have anywhere for sale that would work for us, but we kept trying anyway.

A brief history of our initial search in the non preferred town:

At the end of April we went off to Portugal and continued our search from afar. For some reason I started looking at town number one again, but everything was pointing towards us needing to take on a small mortgage – which we were hoping to avoid. However one morning a new listing appeared, and it seemed to meet a lot of our needs. We emailed the agents to arrange a viewing, keeping our fingers crossed that it wasn’t like all of the apartments listed above……thankfully it wasn’t.

We got home from Portugal on the Sunday, went to look at the area on the Monday (a Bank Holiday so no viewing opportunities), and then viewed on the Tuesday. We thought the apartment was a bargain, despite it showing signs of wear, and we put an offer in straight away as it seemed to fit a lot of our criteria.

Apartment Essentials:
– 2 Bedrooms – Yes
– In a town/city – Yes
– Long Lease – 85+ years – Yes, over double that.
– Parking Space – Yes
– Modern – Yes
– Close/Walkable to a station – Yes (one mile)
– Close to grocery stores – Yes
– Less than £125k – Yes

Apartment Would Likes:
– Walkable to grocery stores – Yes ( <one mile)
– En Suite – Yes
– Open plan – Yes (ish)
– Private/Gated – No
– Balcony – Juliette
– Dishwasher – There’s a space for one
– Built in storage – No

Not bad at all :)

And as for small apartment living? So far I LOVE it!

I can’t begin to even tell you how it feels to be mortgage free – it’s like a dream, but we’re very mindful that there’s still a.lot. of work to be done to achieve Financial Freedom*….especially as we have a goal of achieving it before the end of  2023.

* I plan to do quarterly (perhaps monthly) updates on our progress towards this goal. Right now we’re 8.62% of the way towards achieving it!

 

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photo credit: Khánh Hmoong via photopin cc