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

Tesco_points_addict

Have just eaten 3 lovely yellow cherry toms, and I have a definite non-green tom on my red ones :j.

Cow bag!

Where is Stuart??

TPAx

gallygirl

Tesco_points_addict wrote: »

Cow bag! Been called worse

Where is Stuart??

TPAx

I think he's on holiday? Or maybe kidnapped by aliens

gallygirl

Morning all. Sun shining + working from home = cup of tea while sitting in the sunshine
Have opened an Egg savings account at 3.25%, 2.6% after tax. As this is over 1% more than mortgage rate on offset account I'll transfer all offset money into here. If we average 10k in there for a year that's an extra £100, so not to be sniffed at, and account operates over the internet so I can transfer in & out at will. The only down side is it's for 'new money' - i.e. not money already in an Egg account, so I'll need to transfer funds out then in again, but only a one-off exercise, so I can cope
Also opened another account with A&L at 3.15% (I think), to keep small fund from mum's house to pay bills in. I opened it 2 days ago, with the intention of transferring offset in, then read about the Egg account which will be far easier to operate, but this will be fine for the small amount I will have in it
Friend paid me some money she owed me so £98 to offset
3 MS lined up for lunchtime
DS has painted ceiling in hall and walls have had 1 coat of paint. Need to show him how to balance on banister to reach top of wall upstairs though . Looks v bright, although colour is called white chocolate so am worried I may lick it when hungry
Toms still alive & a few more starting to change colour
Have lost a total of 6.75lbs since starting diet, albeit a few months ago
18 more sleeps till holiday :cool:

All today folks :T:T:T, hope all is the same for you

gg x

setmefree2

gallygirl

So, been following FB's instructions & managed to recreate my graph :T, thanks FB :kisses3:



It's projected to the end of Aug 2011, although June is last date showing. Dark blue is how mortgage balance is due to drop, pink is how offset is due to rise (big drop is when I bought car ), pale blue is projected net balance and yellow is target. So, I need to get £5600 by end of Aug 2011, so only £2800 for me & same for OH. Which is not much over £100 extra a month, so eminently doable

Hope someone is sad enough to find it interesting

gg x

financialbliss

gallygirl wrote: »

So, been following FB's instructions & managed to recreate my graph :T, thanks FB :kisses3:

Hey gg,
Thanks for the nod. I do keep an eye on your diary, but sadly nearly always fail to post anything useful - never enough hours in the day.

I'll cough to being sad. Presumably you raided your offset - was that when you purchased a car? Know someone who has a diary purchased one recently - too many diaries. Apologies if I'm confusing you with someone else.

FB.

gallygirl

Thanks FB, yes twas I who bought a car . The 'offset' is actually now a total of regular saver ISA at 7% (equates to around 3.6% APR), offset and 10k just put into Egg savings at 3.25%. Hmmm, maybe I need 3 extra lines plus the total :think:.

Having just found out how to filter a spreadsheet on a date (e.g. 1st of month), I will be updating spreadsheets for accuracy at weekend (on my spreadsheeets I did payments on 1st for a year then dragged down for 20 years, didn't take into account leap years ).

Am liking being able to see my graph at work

Tesco_points_addict

I'm confused!

gallygirl

Tesco_points_addict wrote: »

I'm confused!

Is this a comment on my graph or a v deep philosophical statement about your understanding of the world

gallygirl

OK, weekend round-up.

Have been inspired by the athletics on TV (wow, Bolt was FAST!!!!!!) - am going swimming at 7am tomorrow
Probably
Possibly
Maybe :rolleyes:

My A&L saver account I opened is a no-goer. Basically, I seemed to open right in the middle of them imposing a 1k minimum, as this is just an account to keep spare cash for late mum's house which is let out I don't have 1k in it :rolleyes:. However, have managed to open another Egg account at 3.25%, which is 0.1% higher anyway, so money transferred into there

Was really, really tired yesterday & today so gave myself a break. Put back one MS till next weekend & cancelled one :eek: - in my defence it was a no fee sports shop job so not too fussed. Got more energy now

Raided local charity shop for books yesterday, they do a 20p period every now & then. 2 books look like they could go on Amazon for a good few pounds, have allocated a good few to go to apartment and have listed the rest on GM. May nip over tomorrow & get some more

Ate some homegrown toms (sorry TPA )

Stocked up in Tesco, got some good bargains

But forgot my coupons

Have cooked 5 main meals for the week

Am planning a major overhaul of spreadsheets in next few days :eek:

OH has entrusted me with sorting out his poor performing ISA's. As they have grown £63 over the last 6 months I think I can do better

Sold something on ebay for £3.20 but still £10 short of cashing in

Working from home tomorrow :j which is why I can go swimming. I'm having real issues at the mo with work - I enjoy it but I can't have a real life while doing it - am away 06.45 to 19.15, so too late really to do any exercise (except wiifit - no excuse there ), see friends etc. Then come Friday I'm exhausted. The problem is I earn over double what I could earn with a local job. So what is more important - having a life now or delayed gratification to pay off mortgage & retire early . I suspect the latter will win, but I do need to seriously think about this :think:

Lots of , a few and :eek:, but that's a pretty big :think:.

Still, 13 sleeps till holiday so more than anything else.