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  • FIRST POST
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 2nd May 14, 8:43 PM
    • 994Posts
    • 3,693Thanks
    Polly Wolly Doodle
    Shall we get started?
    • #1
    • 2nd May 14, 8:43 PM
    Shall we get started? 2nd May 14 at 8:43 PM
    Hello MFWs , i've been desperate to join this board for ages and i think i now can.

    Two debts left:
    1) secure loan £13,035.58
    2) mortgage £214,061.89

    Secured loan at 5.064% and the mortgage is at 1.49% both trackers and the only way is up. So i need to join in, stay focussed and grab every spare and earned penny i can.

    In the process of getting a new bank a/c so overpayments will probably be to a jar for the time being but it's a start.

    So so glad to be here
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
Page 7
    • CathT
    • By CathT 6th Jul 15, 8:18 PM
    • 5,387 Posts
    • 37,040 Thanks
    CathT
    Ah well, good to get a good head start on this month and great surplus money at the end of the month!
    Dec 2017 -
    part 1 - £79,467
    part 2 - £45,985
    Total - £125,449
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 7th Jul 15, 4:48 PM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    Thanks Cath, I do try and look on the bright side!!


    Been so awful at work today I've been running the banana splits theme tune in my head.


    At least in just under two years my credit record will be clean and I can apply for a post office!!


    Talking of credit records I must just go and see if Opus are in as they STILL have my credit card showing as open and in default
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 11th Jul 15, 11:56 AM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    Dyson bought in 2002 has just stopped dead, mid way round the sitting room. Tried a different plug socket but nothing. The annoying thing is their £100 trade in deal has just ended.
    Ho hum, wonder if I have any Argos vouchers tucked away...
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 14th Jul 15, 7:55 PM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    Seem to have been approved for a pay monthly mobile contract, wasn't really my plan but thought i'd let the salesman go through the motions before paying upfront!
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 19th Jul 15, 8:19 AM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    £25.90 on it's way from Pureprofile, by end of August apparently - that's been two years since the last payout from them!


    New phones couldn't find their network when DD and I got them home. So we trailed back yesterday. I'd bought her handset anyway and it had come with a Vodafone sim, but i'd bought an id one as it was cheaper, so that was simple, id handed back and direct debit cancelled.
    I bought the handset I got for half price for the inconvenience, so not the free for a £9.50 a month contract but actually i'm happier without direct debits thank you. So I've just moved my old pay as you go sim to the new phone and moved onto a bundle with O2 and again far happier to cancel the direct debit and go cash!
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 22nd Jul 15, 6:46 AM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    Gone through £co to change broadband and that should bring £80 cashback and a £50 Sains voucher and a reduction in the actual monthly cost, only tracked at £40 at the mo, but will keep a beady eye on it.
    Quickly running out of money this month, although the car budget is fine (so far) but actually technically in the minuses for everything else, I blame the hoover
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 28th Jul 15, 3:50 PM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    69p profit from ebaying one single solitary item - party on!
    OP'd it
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 28th Jul 15, 4:34 PM
    • 7,756 Posts
    • 86,548 Thanks
    Tilly MFW in 6 YRS
    69p profit from ebaying one single solitary item - party on!
    OP'd it
    Originally posted by Polly Wolly Doodle


    I'm loving reading about your MK sorting.

    Tilly x x
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 28th Jul 15, 5:12 PM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    It's the little things Tilly!!


    No chance of the MK book in our village library, mentioned To Set a Watchman the other day and all looks were blank
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 29th Jul 15, 9:30 AM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    Have switched energy supplier, so that should be £40 cashback eventuallyand a lower monthly dd, will op when it appears.


    DH took another bag of clothes to the cash place, too done to go on ebay so i'll quiz to see what he got, a couple of quid i'd imagine.


    Spendy day ahead, some uniform to collect and a Costco run
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 30th Jul 15, 9:59 AM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    Month end update:


    £384.78 to car fund delighted, just shows how much driving I do when the children are at school!


    Have £135 in cash so will need to factor than in when I move the final a/c bal to savings on the 1st of Aug.


    £5.50 from cash for clothes place - DH old suits
    £10.40 voucher savings at Costco - would have bought the things anyway, so a genuine saving


    £4.92 off diesel fill up as had a 12p off per lt from Sainsbugs, so have op'd them to the mort.
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 30th Jul 15, 10:24 AM
    • 7,756 Posts
    • 86,548 Thanks
    Tilly MFW in 6 YRS
    You're on a roll girl
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 1st Aug 15, 11:19 AM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    £11.15 off to mort, slightly over what I expected our salaries to be
    Will probably regret that later in the month!


    £58.78 was the final amount left at the end of the month, so that's off to savings.
    Bought Dh a new suit in the M&S sale and that should have maybe come from savings as it's years since we bought him one! £169 for jacket and two pairs of trousers, but at least I went through £co


    Need to get something listed on ebay and have a go at some surveys, free money, free money, free money
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 7th Aug 15, 1:35 PM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    Quidco payment of £28.14 received and duly recycled off to the mort.
    TGIF
    Post Office phoned yesterday to say they are still trying to find a way of overruling their BR ruling...
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 28th Aug 15, 1:31 PM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    £25.90 received from Purepro£ile and duly op'd.
    Got a surprise with my salary paid today rather than Monday due to the Bank Holiday.
    Horrid month moneywise, DH off to see his parents for their golden wedding anniversary, but rather than go on his own for £40 train fare he's taking two of the children and it's cost £192 for the train. I'm torn between being furious at him for being a wimp and not going alone and trying to be happy for their achievement of 50 years married.

    But I am FURIOUS
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 5th Sep 15, 3:45 PM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    Another lovely school run free month has resulted in a £494.30 balance on the cars, so car fund now £970.82
    Sadly they went back to school this week, so it will tumble!

    There is a very healthy closing balance with the old energy provider but they haven't refunded me yet and they are closed until Monday, I may be their first caller http://static.moneysavingexpert.com/images/forum_smilies/biggrin.gif
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 28th Sep 15, 7:45 PM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    Just as I make an op from £co of £41.20, I come home to a poorly dog and the vet takes £54.31http://static.moneysavingexpert.com/images/forum_smilies/cool.gif

    I need a drink...
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 6th Dec 15, 8:22 AM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    £40 from OnePoll received and paid to mortgage.
    First payment in ages, been throwing everything at the savings as the PO have come back and said I can apply!
    Although they haven't sent through the application link, so maybe they've got cold feet again.
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
    • Tilly MFW in 6 YRS
    • By Tilly MFW in 6 YRS 6th Dec 15, 8:27 AM
    • 7,756 Posts
    • 86,548 Thanks
    Tilly MFW in 6 YRS
    Brilliant news. Look forward to reading all about your next chapter.

    Best wishes Tilly x x
    2004 £387k 29 years - MF March 2033
    2011 £309k 10 years - MF March 2021.
    Achieved Goal: 28/08/15
    • Polly Wolly Doodle
    • By Polly Wolly Doodle 11th Oct 17, 11:38 AM
    • 994 Posts
    • 3,693 Thanks
    Polly Wolly Doodle
    And back in the room!
    Lots to update but just want to get back on the bandwagon of targets and financial mindfulness

    Will need to update my signature and catch up with all the news on here.

    Step one, have enrolled with One Poll, they seem to have lost me on their system but I used to like them as the surveys were short and sweet. Anyway they have a £2.50 joining bonus, so we're off!

    Back soon (not a two year gap).
    Weight: need to lose 71lbs - lost to date 0lbs
    One Poll: £3.20
    My Survey: £0.00
    Ebay: £0.00
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