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  • FIRST POST
    • natsplatnat
    • By natsplatnat 4th Jul 14, 10:31 AM
    • 2,629Posts
    • 2,287Thanks
    natsplatnat
    My Diary v3.0
    • #1
    • 4th Jul 14, 10:31 AM
    My Diary v3.0 4th Jul 14 at 10:31 AM
    Hi All!!

    Well, here it is... "My Diary v3.0"

    My previous diaries (don't panic, there are only 2!) can be found here....

    http://forums.moneysavingexpert.com/showthread.php?t=1303349&highlight=

    http://forums.moneysavingexpert.com/showthread.php?t=2961314


    Today, my signature looks like this...

    LBM ,- Wed 19th Nov 2008 £19,225
    JAN 11: ONLY 170 0X £100 PAYMENTS TO GO *bank of OH @ 0%*
    *A WORK IN PROGRESS!*
    *2014 cashback pending £78.98, PAID £138.35*
    (2011=£137.30, 12=£66.39. 13=£102.61)
    Iceland fund £458.12/ 1000 EBAY £205.50

    And I should be jumping up and down with joy as it shows that I have made my last payment of 170 x £100 to my darling OH (he lent me the money interest free to clear my debts!!).

    But.... actually, that should be But (coz its a big but) here I am starting a new diary on the DFW diary forum.

    And that is because over the duration of my last diary (starting November 2011) I have re-borrowed £6862.26 from my darling OH! To be honest, he is sooo useless with money, that I could tell him tonight that I made my last payment to him today and he wouldn't have a clue whether that was right or not! (But he does know I have re-borrowed this amount.)

    But that is not an option. Bless him, he even said a few months ago that I don't need to pay him back any more. But, this is my debt, I spent the money, and I will repay it... in full!

    So, I am going to continue doing what I have been doing. Repaying £100 a week for the next 69 weeks. By my reckoning that puts my last (and I do mean last) payment as the 30th October 2015!!! GULP!

    I do have a little plan though (from my previous diaries, you will note that I like a plan!). I am currently setting aside money for a trip to Iceland next year for OH's 50th birthday. £10 a week as a definite, an extra £10 a month from the reduction in my car insurance premium, all cashback earned and some account rounding-down. Target for this is £1000 by December. I am pretty much on track for this.

    So, once this is done I am going to keep setting this money aside to bring my debt-free date forward. Minimum £10 a week, starting next year!

    Oh, and I still running several spreadsheets! I honestly could not live without them!

    So, there is my sin confessed - you have got me for a bit longer!

    Feel free to pop in and keep me company! Nats x
    Last edited by natsplatnat; 02-10-2015 at 9:28 AM.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

Page 26
    • natsplatnat
    • By natsplatnat 28th Jun 17, 9:21 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Happy Wednesday!
    Also known as "happy payday!"
    Money in + money moved.
    I have now finished re-paying myself for clearing my Student Loan! Whoop Whoop!
    £1.05 withdrawn from Q.co!
    In other good news, yesterday I was told I will be getting a payrise!! DOUBLE WHOOP WHOOP! No idea when or how much - but anything is better than nothing!
    Right, I am going to have a play around with my spreadsheet - see if there's anything I can tweak!
    Have a great Wednesday everyone! xxx
    Last edited by natsplatnat; 28-06-2017 at 9:51 AM.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 29th Jun 17, 3:41 PM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    So my spreadsheet shows what is in any of my accounts at any given moment in time... I love it (as you all must know by now!).
    I always work it so that it shows a minimum of £40 in my everyday current account the day before my next pay. Today is a prime example of why.... I went to put fuel in my car this morning but the 'pay at pump' wouldn't accept my CC... so I used my debit card and only put £10 to get me out of trouble. Upon phoning CC company it shows that it was a problem with the terminal rather than my card.
    Have just transferred £8.00 to my friend for my share of some flowers for another friend whos dad sadly passed away this week.
    So, in the space of a couple of hours, that's £18.00 that wasn't planned. it can run away so quickly can't it!!


    Nats x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 30th Jun 17, 2:14 PM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    A sneaky little Pro.Ac survey yesterday has taken my balance to £10.95 - so over the halfway mark!!

    House-sitting starts this evening after work. 8 nights this stint!

    Been thinking ahead - and to about 20 months time when my car finance (which will hopefully be on a 0% card from this Sept/Oct) ends... this will free up £213.00 a month- That's £2556 a year! How nice will that be? Very nice!! So the plan is to get the remaining balance onto a 0% card, pay the minimum each month and build up a balance in an interest earning account until the balance on the 0% card needs to be paid in full. I have decided that I will be applying the same principals as I did with my student loan. All 'extra' money earned through surveys, cashback and ebaying will go to boosting the pot, meaning that my money becomes mine sooner! First aim will be to build that pot 1 month earlier! It's looking like I may be house-sitting again late in September... so that can go in there to kick start it!


    That's my thoughts for now - have a great weekend all! xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 1st Jul 17, 12:02 PM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    In addition to yesterdays post - I am hoping that my settlement figure for the car finance will be lower if I pay it 18 months early as that's 18 months of interest I am saving! RESULT!


    Things to do in July...
    • Check settlement figure on car finance based on clearing it in September
    • get paid for house-sitting
    • up payments to pension
    • decide whether to start a LISA or something similar
    • decorate lounge
    • make a start on OH's ppi claims (MUST DO THIS!!)
    • attend a concert (Sat 8th July)
    • do a boot fair (Sun 16th July)
    • take the day off work (Mon 17th July - will have worked 5 x 6 day weeks by then!)
    • get Pro.Ac up to £20 to cash out
    • visit OH's family (Sun 23rd July)
    • meal out with B & SIL for dinner (Fri 28th July)
    • meet up with Dad & SM (Sat 29th / Sun 30th July - if they come down for the weekend)
    So, a nice quiet month for me then!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 3rd Jul 17, 2:22 PM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Just submitted a ppi claim (for OH) through the MSE "Resolver" tool. The CC dates back to 1995 and over that time there have been some pretty hefty balances on there on occasion (pre-me!!) so if it is successful it could be a nice amount! Fingers crossed x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 4th Jul 17, 10:35 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Just so I have a record of the date - I also started a claim for another CC for OH yesterday too!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 10th Jul 17, 11:55 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Lets see how I'm getting on....


    Things to do in July...

    • Check settlement figure on car finance based on clearing it in September
    • get paid for house-sitting
    • up payments to pension made enquiries at work as to how this happens
    • decide whether to start a LISA or something similar
    • decorate lounge
    • make a start on OH's ppi claims (MUST DO THIS!!) started!! 2 logged
    • attend a concert (Sat 8th July) DONE
    • do a boot fair (Sun 16th July)
    • take the day off work (Mon 17th July - will have worked 5 x 6 day weeks by then!) BOOKED TIME OFF
    • get Pro.Ac up to £20 to cash out
    • visit OH's family (Sun 23rd July)
    • meal out with B & SIL for dinner (Fri 28th July)
    • meet up with Dad & SM (Sat 29th / Sun 30th July - if they come down for the weekend) Cancelled - possibly re-booking for end of September.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 14th Jul 17, 4:57 PM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Things to do in July...

    • Check settlement figure on car finance based on clearing it in September
    • get paid for house-sitting waiting
    • up payments to pension made enquiries at work as to how this happens
    • decide whether to start a LISA or something similar
    • decorate lounge
    • make a start on OH's ppi claims (MUST DO THIS!!) started!! 2 logged
    • attend a concert (Sat 8th July) DONE
    • do a boot fair (Sun 16th July) additional boxes being taken home tonight! I am only doing ONE bootfair this summer - this is it!!
    • take the day off work (Mon 17th July - will have worked 5 x 6 day weeks by then!) BOOKED TIME OFF
    • get Pro.Ac up to £20 to cash out slow
    • visit OH's family (Sun 23rd July)
    • meal out with B & SIL for dinner (Fri 28th July)
    • meet up with Dad & SM (Sat 29th / Sun 30th July - if they come down for the weekend) Cancelled - possibly re-booking for end of September.
    so, there we are... getting there s l o w l y !!!


    Hoping to pay the balance on my PO CC tonight. It is at 0% and the balance is sat in my account earning a bit of interest each month - will be sad to see the back of that £454.79. Oh well, it means the card will be empty and I will ask about a 0% deal to pay my car loan off with! Fingers crossed. If not, it will be closed next week and I will find another card.


    Have a grrrreat weekend all! Hoping to come back Monday with news that we made fortunes at the bootfair! xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 17th Jul 17, 11:56 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Morning All!

    I can tick another thing off my list as it is Monday - and I am off work!

    Bootfair completed yesterday - £148.70 made so really happy with that. 3 black bags taken to the tip along with a rake load of cardboard and 1 box and 4 black bags taken to a charity shop. So money made and serious de-cluttering completed!

    PO CC paid this morning and DD cancelled. Not sure on a 0% purchase deal as haven't spoken to them yet - but that can wait until later in the week - no rush!

    Still waiting for house-sitting money to arrive... Grrrr!

    The sun is shining here, so I think a spot of gentle housework is in order and then off to the beach!

    Happy Monday everyone! xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 18th Jul 17, 8:43 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Things to do in July...

    • Check settlement figure on car finance based on clearing it in September
    • get paid for house-sitting waiting
    • up payments to pension made enquiries at work as to how this happens
    • decide whether to start a LISA or something similar
    • decorate lounge
    • make a start on OH's ppi claims (MUST DO THIS!!) started!! 2 logged
    • attend a concert (Sat 8th July) DONE
    • do a boot fair (Sun 16th July) additional boxes being taken home tonight! I am only doing ONE bootfair this summer - this is it!!
    • take the day off work (Mon 17th July - will have worked 5 x 6 day weeks by then!) DONE
    • get Pro.Ac up to £20 to cash out slow
    • visit OH's family (Sun 23rd July)
    • meal out with B & SIL for dinner (Fri 28th July)
    • meet up with Dad & SM (Sat 29th / Sun 30th July - if they come down for the weekend) Cancelled - possibly re-booking for end of September.
    Back at work - wish I wasn't! lol.


    But on the up side £3.96 withdrawn from Q.co this morning and Pro.Ac up to £15.75... nearly there!


    Have a great day everyone! xxx
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 20th Jul 17, 8:18 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Things to do in July...

    • Check settlement figure on car finance based on clearing it in September
    • get paid for house-sitting waiting still waiting!
    • up payments to pension made enquiries at work as to how this happens
    • decide whether to start a LISA or something similar
    • decorate lounge
    • make a start on OH's ppi claims (MUST DO THIS!!) started!! 2 logged
    • attend a concert (Sat 8th July) DONE
    • do a boot fair (Sun 16th July) additional boxes being taken home tonight! I am only doing ONE bootfair this summer - this is it!!
    • take the day off work (Mon 17th July - will have worked 5 x 6 day weeks by then!) DONE
    • get Pro.Ac up to £20 to cash out slow £18.00 now!!
    • visit OH's family (Sun 23rd July) present + card bought for nieces b'day
    • meal out with B & SIL for dinner (Fri 28th July)
    • meet up with Dad & SM (Sat 29th / Sun 30th July - if they come down for the weekend) Cancelled - possibly re-booking for end of September.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 20th Jul 17, 3:51 PM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Things to do in July...

    • Check settlement figure on car finance based on clearing it in September
    • get paid for house-sitting waiting still waiting!
    • up payments to pension made enquiries at work as to how this happens have upped contributions to 3% (was going to do 2% but remembered I need to pay catch up and 3% would be better! lol)
    • decide whether to start a LISA or something similar
    • decorate lounge
    • make a start on OH's ppi claims (MUST DO THIS!!) started!! 2 logged
    • attend a concert (Sat 8th July) DONE
    • do a boot fair (Sun 16th July) additional boxes being taken home tonight! I am only doing ONE bootfair this summer - this is it!!
    • take the day off work (Mon 17th July - will have worked 5 x 6 day weeks by then!) DONE
    • get Pro.Ac up to £20 to cash out slow £18.00 now!!
    • visit OH's family (Sun 23rd July) present + card bought for nieces b'day
    • meal out with B & SIL for dinner (Fri 28th July)
    • meet up with Dad & SM (Sat 29th / Sun 30th July - if they come down for the weekend) Cancelled - possibly re-booking for end of September.


    Oh, and have requested a whole £1.56 from TCB.... Pro.Ac up to £18.00 soooo close!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 21st Jul 17, 8:09 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Things to do in July...

    • Check settlement figure on car finance based on clearing it in September dug out paperwork last night
    • get paid for house-sitting waiting still waiting! Still waiting! Grrrrr
    • up payments to pension made enquiries at work as to how this happens have upped contributions to 3% (was going to do 2% but remembered I need to pay catch up and 3% would be better! lol)
    • decide whether to start a LISA or something similar
    • decorate lounge
    • make a start on OH's ppi claims (MUST DO THIS!!) started!! 2 logged
    • attend a concert (Sat 8th July) DONE
    • do a boot fair (Sun 16th July) additional boxes being taken home tonight! I am only doing ONE bootfair this summer - this is it!!
    • take the day off work (Mon 17th July - will have worked 5 x 6 day weeks by then!) DONE
    • get Pro.Ac up to £20 to cash out slow £18.00 now!!
    • visit OH's family (Sun 23rd July) present + card bought for nieces b'day
    • meal out with B & SIL for dinner (Fri 28th July)
    • meet up with Dad & SM (Sat 29th / Sun 30th July - if they come down for the weekend) Cancelled - possibly re-booking for end of September.
    Last night I contacted the CC that I cleared on Monday to see if there are any purchase offers to be had. Answer was no, so I closed the card. Whoop! That's £3950 available credit wiped off my file! Soon to be replaced with a new card though to put my car loan on to!

    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 21st Jul 17, 11:58 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Ooh, I've just had confirmation that my Q.co claim for £20 has been successful! WHOOP WHOOP!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 22nd Jul 17, 9:10 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    So it's payday in 6 days... With the changes to my pension contribution and pending payrise (not even sure if it will be in this months pay) I actually have no idea how much I will be receiving. Pay slip should arrive Tues/Weds and then I can update my spreadsheet.
    My Q.co claim hasn't updated to available to withdraw yet... which is pretty annoying.
    STILL waiting to be paid for house-sitting - might have to drop a hint on Monday when I next see them! Just want to start building up my car loan pot.
    So my plan is to take out a new 0% CC to clear my car finance. I will need a minimum credit limit of £4,000 to do this (I expect my settlement figure to be somewhere around £3,850.00) I used the MSE checker and it looks like I have plenty of options of providers who will give me a card... the annoying thing is that until I apply I have no idea what limit they will give me and I want it to be enough to do it all in one go! What to do... What to do?


    I think that's all from me for now. Have a great weekend all! x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 22nd Jul 17, 11:30 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Just made a small online purchase with cashback that has tracked at £1.35 opn Q.co. Also, having a little nose around the Q.co site, I noticed that I am waiting for £15.00 to ba approved for collecting those pesky gold coins from some suppliers. That will also be winging its way to my car loan pot!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 24th Jul 17, 12:54 PM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Things to do in July...

    • Check settlement figure on car finance based on clearing it in September
    • get paid for house-sitting waiting still waiting! PAID!!
    • up payments to pension made enquiries at work as to how this happens have upped contributions to 3% (was going to do 2% but remembered I need to pay catch up and 3% would be better! lol)
    • decide whether to start a LISA or something similar
    • decorate lounge
    • make a start on OH's ppi claims (MUST DO THIS!!) started!! 2 logged
    • attend a concert (Sat 8th July) DONE
    • do a boot fair (Sun 16th July) additional boxes being taken home tonight! I am only doing ONE bootfair this summer - this is it!!
    • take the day off work (Mon 17th July - will have worked 5 x 6 day weeks by then!) DONE
    • get Pro.Ac up to £20 to cash out slow £18.00 now!!
    • visit OH's family (Sun 23rd July) present + card bought for nieces b'day DONE
    • meal out with B & SIL for dinner (Fri 28th July)
    • meet up with Dad & SM (Sat 29th / Sun 30th July - if they come down for the weekend) Cancelled - possibly re-booking for end of September.
    So, house-sitting has been paid! YAY!!


    I have chased the cashback claim from Q.co who say it should be withdrawable within a week or 2. I guess I will just have to be patient!




    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 27th Jul 17, 12:06 PM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    Payday tomorrow and I've not had my wage slip through the post yet.... I'm itching to update my spreadsheet!!


    No available balance to withdraw on Q.co yet.


    No surveys for ages now on Pro.Ac.... is it because I am at £18.00? lol


    Off out for dinner tonight - all paid for by my brother back in March for my b'day. Almost forget I had the voucher.. and that it expires tomorrow; luckily enough I realised on Monday and they had a table for tonight.


    Still not sure if I / we are out with my other brother tomorrow. Guess I'll find out soon enough! lol


    Nats x
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 28th Jul 17, 11:38 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    P A Y D A Y!!


    Money been moved around - man do I miss being paid weekly! lol


    No payslip yet, so although I can see my pension contribution has been changed, I have no idea if the pay rise came through this month or not. I'll wait to see if it is on the door mat when I get home tonight!


    Pro.Ac up to £19.00..... soooo close now!


    Looks like dinner is on tonight - although after the volume of food I consumed last night I really shouldn't be eating for a week (was so full up after the meal out last night that I struggled to sleep last night.. so tired too!)


    Have decided on the car finance front that what I really need to do is build up a fund now, to overpay my existing loan before I pay it off with a 0% card. This means there will be less outstanding (through repayment and less interest, and I will therefore need a smaller credit limit on the new card. So that's a new plan!!! GOTTA LOVE A PLAN!! STRIKE THAT! Just thought I would speak to the loan provider about how I can overpay... and the answer is I can't! Sooo, back to the original plan of paying the balance (less the interest rebate for clearing it in full early) with a 0% purchasing card and building up a pot to clear the card in full at the end of the 0% period (need 18 months), earning a bit of interest on the way!



    Off work this weekend. Lots to do at home which I can get on with tomorrow as OH is working


    Have a great weekend all - hope the sun makes a re-appearance!! xxx
    Last edited by natsplatnat; 28-07-2017 at 11:46 AM.
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

    • natsplatnat
    • By natsplatnat 1st Aug 17, 10:19 AM
    • 2,629 Posts
    • 2,287 Thanks
    natsplatnat
    £5.60 withdrawn from Q.co.... still waiting for the £20.00 to come available.


    Oh... pinch punch first day of the month!
    LBM ,- Wed 19th Nov 2008 £21,225 PAID OFF
    *DEBT FREE 28th September 2015*
    *2017 cashback pending £84.37, paid £??*
    (2011=£137.30, 12=£66.39, 13=£102.61, 14=£214.97, 15=£159.51 16=£213.05)
    Pro.Ac £10.10 + £126.19 paid
    SAVINGS TO CLEAR STUDENT LOAN £0.00 (£528.56 paid off)

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