Another month is over! I know I say this a lot but I cannot believe how quickly this year is passing by. As if it’s going to be July tomorrow. It is definitely true when they say that time passes more quickly the older you get; I don’t remember school years passing this quickly, far from it. I have felt much more in control in June with our spending, after a somewhat frivolous May, which I’m pleased about.


June marked the year birthday mark for The Frugal Cottage, and I am still really enjoying it. I worry that I’m not exciting, or the things I ramble on about are not interesting or relevant for people to read, but as I continue on our journey, I am finding my voice more and more, and the creative process of writing and thinking through posts and options is something that I relish in. I absolutely love getting comments on my posts and the more knowledge I can glean from other readers means that I continue learning as I go. Thank you so much for every comment left, for every post shared and encouragement left through social media. Are there any particular posts you would like to see on The Frugal Cottage in the future?


June review


Anyway, back to June and the review!


Our Financial aims for June were:

– Have 20 NSpend Days (or NSDs)

– Overpay our mortgage by £120

– Put £700 into savings


20 NSDs seems to be a safe and achievable number for any given month, as I have met this target. I had hoped I might get 21, but 20 NSDs it is. I think I’ll stick to this for now, as I feel like we’re at a comfortable routine in terms of spending. In terms of our overpayment, I have transferred £120.19 to the mortgage this month. The extra 19p is there just to tidy up the mortgage amount (does anyone else do this?) so it’s a nice even number. It makes me feel excited that by the end of the year our mortgage should be under six figures, which is a huge achievement in the three years we’ll have had our mortgage by then. Savings have also been much better this month; the combination of not spending much, plus being careful when we have had to spend means that I have managed to transfer £909.12 into savings this month. Woop! Totally smashed the target set and back on the band wagon when it comes to prioritising savings over spending.


My Personal Aims for June:

– try out a new recipe

 eat healthily 

– get a new carpet for the spare room


Now, this is a bit embarrassing to admit, but I can’t think if I’ve tried any new recipes this month. I can blame in on the baby brain (which apparently is a real thing!) but it doesn’t help with the aims for the month. I don’t think we have tried something new, but I can’t be 100 percent sure. As my “morning” sickness (try 24/7 sickness) is back, healthy eating has taken a back seat a bit; a lot of fruits seem to repeat on me a lot and I’ve been craving a lot of comfort food. A favourite this month has been sliced banana in custard. I suppose in terms of cravings and calories, it could be a lot worse! The spare room, which is actually going to be our nursery, finally has a carpet in! In fact, we’ve now got that room pretty much sorted, apart from putting up a couple of prints on the wall.


All in all, June has been a good month for us, both in terms of financial and personal goals. Here’s to July being just as good!


How was your June? Have you hit your aims? I would love to hear about it!

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