Hello February! I can’t believe that we are already into the second month of the year. January flew by, so as February is a shorter month, I’m sure it will too. February should be relatively quiet for The Frugal Cottage household. We have got a couple of family days out planned which should be lovely. Other than that, nothing else planned, so far!


February always seems like a bit of a nondescript month. Nothing particularly exciting. Still kind of miserable and gloomy. Though Spring is round the corner, it still seems a while away. Especially when getting up in the dark! Lots of things plodding along in the background too, which I am hoping to share soon.


Financial aims for February:

– Have 20 NSpend Days (NSDs)

– Overpay our mortgage by £50

– Put £1000 into savings


I almost hit my NSD aim for January, so I am keeping it the same in February, in the hopes I can hit it! Although that only leaves 8 spend days, I am optimistic at this stage. I am continuing with plodding along with mortgage payments, though I am aiming for an even smaller number. This is because I want to continue building my investments and dividend income. The savings aim is huge but it’s what I need to be consistently hitting. I didn’t meet it in January so I’m going to try even harder in February!


Personal Aims For February:

– start my sourdough starter kit

– launch Frugal Cottage Coaching

– start to get rid of some of my clothes


As I didn’t complete any of these in January, I have kept these the same for February. I also need to get better at managing my time I think, as it seems to slip by so quickly. By the time Alfie is asleep in bed, I get about an hour to myself before I’m so tired I can’t focus on anything any longer. I need to make the most of that time and also at the weekends when I have a bit more time to get things done.


So, here’s to February being great! What are your aims for the month?


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