Batten down the hatches.....

Evening money savers

Thursday 29th June
* NSD
* PA survey
* 0nep0ll surveys
* i-S@y survey
* Youg0v survey

Today
* £5.29 in the c0-op
* 1p roadkill found
* PA survey
* 0nep0ll survey
* VO survey

Another month over so it's time for the stats

June stats

PA - £72.17....................total YTD £206.56
Youg0v - 575pts/£5.75..................total YTD £39.75
SB - 0.....................total YTD 1107SB
Pinec0ne - 0....................total YTD £6
P0pulusLive - £5..................total YTD £42
VO - £9.25..................total YTD £43
TCB - £4.63................total YTD £31.38
i-S@y - 75pts..................total YTD 540pts
Inb0x£s - 47p..................total YTD £2.78
Other income - £25...................total YTD £79.34
Roadkill - 1p..................total YTD 14p
0nep0ll - £7.15...................total YTD £52.25
Opini0n Outp0st - £5.50.......................total YTD £61.45

June total - £134.93
Year to date - £569.65


Other totals:

• Nati0nwide sweeps - 0..................total YTD 0
• FD sweeps - 0.................total YTD 0
• NSD's - 8...............total YTD 65
• Books read - 0....................total YTD 0
• DVD's watched - 0....................total YTD 0

DMIC (Daily Mortgage Interest Challenge - earning more than £4.06 a day) - 12/30 :T
CHEFS account!(Cruise Holiday Entirely Funded by Surveys) - £215.55 :j:j

doingitanyway wrote: »

Is there room to get the price down a little on the flat you want so you can accept the offer?

Funny you should say that DIA........I have negotiated a wee reduction and they've accepted :T:T:T

I accepted the offer on mine too so fingers crossed it will all go smoothly :D

I'm not really celebrating yet though as I'm so worried it's all going to go wrong. I don't think I'll stop worrying until I get the flat keys in my hand actually. My friend has said not to worry and that I can't do anything about it, so what's the point in worrying but I've got so much pinned on this move, that I really don't know what I'll do if it falls apart. I mean, obviously I'll just have to get on with it, but I feel like I've only got this one chance to get moved, buy this flat which is so affordable and start the new job. I need it to all come together but if my sale falls through and I don't get a buyer again, I'll have to let the job go, maybe lose the flat and stay where I am. I'd have to get a new job here as I can't stand much more of my current job but at least I'd get to stay in my beautifully decorated little house. It will feel like second best though. But then getting a poorly paid job here may mean ruling out ever moving back to my hometown as I just won't be able to afford the prices there.

I know I'm over thinking, over worrying but I feel like I've waited so long, moaned so much about ditching my job and having a change of life and finally I'm doing something about it so I just need it to happen.

So I'm going through the motions, I've appointed a conveyancer, and I've sorted my mortgage appointment for next week. I've already had a moving quote which is very reasonable. I sorted out my "house" paperwork ages ago, things like guarantees and certificates for electrical work. I've started bringing boxes home from work and might pack a few things but I think I'll really get cracking after my buyers have their survey and are happy. I'm a bit worried they'll find a problem, not that I think there is, and then try and negotiate further but I have no room for that. Must stop worrying!!!!!!!


Saturday 1st July
* £5.98 in B@ndM
* £18.35 in L1dl
* PA surveys

Sunday 2nd July
* NSD
* Youg0v survey

Monday 3rd July
* £4.70 in T3sco
* P0pulusLive survey
* 0nep0ll surveys
* VO surveys
* Opini0n Outp0st survey
* PA survey

Today
* £9 in T3sco
* £30 for fuel
* Opini0n Outp0st survey
* 0nep0ll surveys

Thanks ladies. :)

Things seem to be ***sshhh*** progressing nicely with the flat purchase / house sale. If I say it quietly, I won't jinx it

Wednesday 5th July
* NSD
* PA survey
* 0nep0ll surveys
* Youg0v survey
* VO surveys

Thursday 6th July
* NSD
* 0nep0ll surveys
* PA survey
* Opini0n Outp0st surveys and £2.50 redeemed and transferred to my CHEFS account

Friday 7th July
* £4.29 in the C0-op
* £5.87 in T3sco
* 0nep0ll survey
* Opini0n Outp0st surveys

Saturday 8th July
* £5.79 in S@vers
* £1.39 in B@ndM
* Youg0v survey
* VO surveys

Sunday 9th
*NSD

Monday 10th July
* £3.87 in C0sta, had an NHS discount as they saw my badge. Never had a discount before and I always wear my uniform in there :rotfl:
* £4.02 in T3sco
* PA survey
* Youg0v surveys
* VO survey

Tuesday 11th July
* £4.29 in the C0-op
* PA surveys
* P0pulusLive survey
* VO survey
* Opini0n Outp0st surveys

Wednesday 12th July
* £31.01 for fuel
* £32.70 in M0rrisons
* 0nep0ll surveys
* PA survey
* VO survey
* Opini0n Outp0st surveys and £2.50 redeemed and transferred to my CHEFS account

Today
* NSD
* 0nep0ll survey
* VO survey
* Youg0v survey


A few months ago, some emails stopped coming through, some survey sites and newsletters, that sort of thing. I think they somehow got marked as spam.....I'm blaming the cats :rotfl: One of the emails that stopped was from Pinec0ne. I couldn't log in so I contacted them explaining that I hadn't had emails and I suspected my account was blocked. We had a few emails going back and forth every few days, them asking me to click this link, press that, try this etc. After about a month, after they'd escalated it, they said my account was blocked as I'd marked the emails as spam! Yeah! I told you that in my first email! I really should have just thanked them for unblocking it but I pointed out that we'd wasted a month getting to that point :rotfl: I think someone took the hump and has banned me as I haven't had an invite since :D:D



Decluttering
124. gloves with too many holes
125. cheese grater
126. large spoon
127. fish slice
128. whisk
129. tongs
130. ashtray, had it for any smoking guests....but I don't really have guests
131. tea towel
132. DVD's x 6
133. cookery books x 3
134. socks x 3 pairs
135. jigsaw
136. giftbags x 2
137. handbag
138. duvet set
139. bracelets x 7
140. cushion cover

I don't think I've got loads to get rid of really, but I'm just trying to "thin" things out a bit so that I have a bit less stuff. I was going to start packing a few bits but in all honesty I don't think it will take too long. If that back fires on me though, I'll come back and edit this comment out :rotfl:

I had my mortgage appointment yesterday and we were chatting about savings and I told her how I save up for everything. I think back to only 2 or 3 years ago when I'd try and save but towards payday, I'd have to zero the accounts down to get through, as I hadn't addressed my spending or made a budget. Anyway, putting a little aside every month, if you can, really does help. My line rental and home insurance is due soon but the money is ready and waiting so I don't need to sweat it :T:j:D

Snapshot of savings pots

Nati0nwide
* Overpayments - 49p
* Fuel - £88.99
* Birthdays / Christmas - £23.85
* Emergency fund - £30
* Hair / beauty / medical - £70
* Clothes / shoes - £29
* Cat 1 - £100
* Cat 2 - £185
* Line rental - £166
* Car - £665
* Spa days - £1.......recently booked a spa night away
* House stuff - £47.47
* House insurance - £100
* CHEFS - £220.55

Halif@x
* Emergency fund - £76.18

First D!rect
* Emergency fund - £1479.63

My credit card debt currently stands at £1105 and it seems I don't need to clear it when I move, as I was previously advised in branch! They said it would be better if I did but I didn't want to be forced to as it's on 0% and ticking along nicely. I will get debt free but as I've said before, keeping a little debt stops me going mad with the old spending :D

Once I've moved and settled, I'll be able to work out a proper DFD and then the countdown begins.