2011 mfw

Needhelpsaving wrote: »

:mad: I am going to hang my head in shame . . .
QUOTE]

Ah don't do that Laura. Things happen from time to time and the servicing of a relatively low cost debt sometimes has to go further down in the priorities. You're still fighting the good fight so hold your head up high

I have a lob-sided bathroom. Yep. The sinks out of plumb and so's the bath. Tiles are not flush with one another. Some DIY-disaster-twit did it about 20 years ago (Must have been same person that did some of the doors as the architraves are out as well). I lie in the bath and I can see the skewed water line. It's almost funny. I have some money in an ISA earmarked for the project but I keep putting up with it and putting it off - prefer the money earning a measly 2.85%.......It's only me in the house so as long as I don't have anyone round its not too embarrassing

Will be OP'ing another £800 tomorrow - this is a Bonus Payment relating to last year but only just been approved.

Just because I'm sad and I like messing around on Spreadsheets and I'm struggling to concentrate on real work this afternoon and can't read any more upsetting or worrying reports from Japan; I've worked out how my OP's have been financed since I started OP'ing in June 2008.

As of tomorrow I will have OP'd a total of £9639 in 34 months = £283.50 monthly average.

£178.21 monthly average excluding Bonus (ie. Money saving efforts)

1) Bonus Money 37.14%

2) Savings 27.53%

3) Budgeted OP 21.48% (a budget item I treat like a bill to myself)

4) Under-spending on other budgets 5.5% (ie when I've saved money on Insurance that I've saved up for)

5) Extra Income 2.9%

6) Halifax Rewards 2.39%

7) Cashback 2.38%

8) Interest earned on Savings diverted to Mortgage 0.68%


Right, now I REALLY must get back to real work

Hope you all have a great weekend

[QUOTE=curlygirl1971;42093906
I have a lob-sided bathroom. Yep. The sinks out of plumb and so's the bath. Tiles are not flush with one another. Some DIY-disaster-twit did it about 20 years ago (Must have been same person that did some of the doors as the architraves are out as well). I lie in the bath and I can see the skewed water line. It's almost funny. I have some money in an ISA earmarked for the project but I keep putting up with it and putting it off - prefer the money earning a measly 2.85%.......It's only me in the house so as long as I don't have anyone round its not too embarrassing [/QUOTE]

Must have been the same guy who did our house - god forbid you look at the tiles when you are drunk - they are all over the place!! Thanks you have cheered me up x

lady 1981

right direction is all that matters--reduced mortgage/debt

well-done

keep at it

# 217 reporting a £158 OP for end February - mid March.

have currently OPed £338 of £1500 target for the year, or 22.5 %.