Gallygirl's 95 month challenge - now 'only' 92 months

gallygirl

Thanks all. Leaving in 4 hours, just getting my wings ready .....

Probably won't go to bed, or at least just lie down for a little while, as I never sleep when I have to get up at crack of dawn. A nap would be good though

TBH haven't really been looking forward to it too much as I've been exceptionally busy at work & been leading a very stressful situation (which is still going on, so feel bad about going )

Still, now that I'm packed, am feeling a bit more .

See you all in a few days, gg x

SmlSave

Have a good time! See you soon

gallygirl

Am back

Loved NY and went in a jelly copter

Didn't overspend :A

Plotting next trip

So, progress while I was away as mortgage payment came out. Personal 2009 mortgage challenge was -£3500 to get a bronze medal - have achieved it .
Well done me. Only 6k to go for a silver :rolleyes:.

Hope all are well, catching up on threads now. gg

setmefree2

well done on the ops. Good to have you back.

Did you find the US expensive at the current exchange rates?

StuartGMC

GG
Well done on the achievement, and that you had a great break

SmlSave

Well done on going to NY and not over spending :T I'm glad the weather turned out ok and your jelly copter ride went well

Well done on reaching bronze!:beer:

gallygirl

setmefree2 wrote: »

Did you find the US expensive at the current exchange rates?

Dk really as it's donkeys years since I went to US. It was more a case of thinking how cheap things would have been if I had bought my dollars last year :rolleyes:. TBH, I'm not really a shopper so wasn't that fussed.

Friend bought a pair of $200 dollar shoes :eek:, however it was her 50th & she had been given $200 dollars by son. Macy's gave her an 11% discount so they 'only' cost $178. So she actually got a gorgeous pair of shoes having spent -$22 :T (don't try to understand the logic Stuart, it's a woman thing )

StuartGMC

gallygirl wrote: »

So she actually got a gorgeous pair of shoes having spent -$22 :T (don't try to understand the logic Stuart, it's a woman thing )

Women + Logic

gallygirl

StuartGMC wrote: »

Women + Logic

:rotfl:We didn't know whether to go out that night or stay in and look at the shoes :rotfl:.

On a mortgage free note, my £30 cheque from an online discussion I did a while back has just cleared & been transferred into offset. It is now sitting at just over 10k. Net mortgage on own house is now £38,077 (hmmmm, where can I find £77:think:) - this is approx. £150 LESS than in Nov when I borrowed the money for my car :T. I'm on track to be back on schedule for MFiT challenge by Sept :j.

Assuming Egg pass on latest rate cut (C&G already have stated they will do so) our average rate (weighted to take into account balances on each deal) will be 1.48% . A big :kisses2: to BofE MPC :T. Our snowball date for paying off all mortgages (normal monthly payments + £500) is currently July 2015, 13 months ahead of schedule. Interest cuts have decimated the date. Can't wait till rate changes come through and I can update, hopefully a good few months will be knocked off.

Received and returned forms to Saffron BS for regular savings ISA, however I note from their website now catchment area only so expect cheque to be returned (can I use your address Stuart, I expect you're in it ). The other good one was First Direct but you need to open current account and I already have 4 , Egg Money Manager is already struggling to display all accounts & credit cards! Will revisit options if Saffron reject me.

Most work finished at mum's, need to check then pay workman and sort out refitting & cleaning of carpets etc. plus finish off my bits & bobs & give a good clean (floor tiles cbeing cut & grout mixed = mucho mucho dust ). Hopefully will get £450 a month, may try for a little more (identical house but v modernised currently up for 500pcm, hopefully it wil be goneby the time I'm ready).

Off to do mystery shop at travel agents , have a good day all

gg x

StuartGMC

Gallygirl
Good to hear that your finances are pulling around so quickly, even if you are now juggling a lot! Some good progress too on the other matters so you must be happy.