MoneyQueen’s MFW Journey and Daily Diary

Floxxie

Hi MQ,

I started with Gap but don't go near them now - too little pay and ridiculous requirements - asking for receipts in places that you may as well have an MS badge on instead!
I've heard the next two are good (I haven't signed up for them yet)

GRG - once in a blue moon and you have to be online to sign up as they go super quick.
TNS - didn't want me for some reason
GFK - I do loads of work for these.
FF - used to do a few for these but they don't have much going on.
AA - haven't heard of.

Have you signed up to Retail Eyes? I've only done a few for them as a lot require evening visits which I can't do and also seem to cover places that I wouldn't want to go to but can refer you if interested (not sure what the benefits of being referred are but will look if interested)

It does take time but once you have completed one, you'll get further invites and you might even end up like TPA - did I read she had 30 to do on one day?

How is the survey side going? It's slow progress this making money to pay off the mortgage isn't it?

MoneyQueen

Hi Floxxie,

Yes that would be great if you can refer me to Retail Eyes.. I think you would get £1.50

I only do Pinecone now... Had accumulated £12 on Onepoll, but as the surveys are worth 10p/5p only, do them less frequently now...

How are you feeling now..

Floxxie

I am nicely drugged up and as the children are ill, they are all in bed which is good news.

I can't seem to get an invite to Pinecone. Have you joined Lightspeed?

You'll have to PM me your email details for RE. I've just signed in to find 185 possible jobs for me but can't find any in my area!

MoneyQueen

Hi Floxxie,

Thanks for the invitation to Retail Eyes..
Have joined it, now waiting for an assignment with times to suit :rolleyes:

There was an invite message on Referral Board once and thats how I joined so may be worth checking the board periodically

DH had joined Lightspeed long back but never got round to do any surveys for them. Will check them again...

MoneyQueen

Hi All,

The grocery spend is well with in the budget. Total spend is £37.40 till today. In addition, I used a £3 pinecone voucher.

Our Leccy and Gas consumption is a bit more for last week. But I have been doing lots of cooking/ washing etc. so this is probably because of this..

I had a look at EBay for stuff similar to what I intend to list (mostly clothes and shoes) and I don't think this may be worth the effort so will list 10% or so and then see how it goes.

MoneyQueen

Another Month about to end and we are nearer to our target than last month. I have prepared the update for July… Only thing left is the Energy readings which I will update at the end of the month

Update for July

Monthly Salaries = £6247.80

Mortgage

Balance = £99,844.02
Interest Rate 1.29%
Monthly Payment £873.81
OP done in July £10

Savings (These are all Net Rates)

Reg Saver 4% Expires Feb 2010 Adding 25 per month = £2300
Reg Saver 4% Expires Feb 2010 Adding 25 per month = £2050
Reg Saver 4.8% Expires Mar 2010 Adding 25 per month = £800
Reg Saver 4.8% Expires Mar 2010 Adding 25 per month = £800
Reg Saver 5.6% Expires Nov 2009 Adding 500 per month = £4500
Reg Saver 5.6% Expires Nov 2009 Adding 500 per month = £4300
Reg Saver 6.4% Expires Nov 2009 Adding 250 per month = £2250
Reg Saver 6.4% Expires Nov 2009 Adding 250 per month = £2250
Reg Saver 6.4% Expires Oct 2009 Adding 250 per month = £2500
Reg Saver 6.4% Expires Dec 2009 Adding 250 per month = £2000
Reg Saver 5.8% Expires Nov 2009 adding 250 per month = £2250
Reg Saver 5.8% Expires Nov 2009 adding 250 per month = £2250
Reg Saver ISA 7% Expires April 2010 adding 300 per month = £1200
Reg Saver ISA 7% Expires April 2010 adding 300 per month = £1200
Fixed Savings 4.07% Expires Jan 2010 = £6000
Fixed Savings 3.72% Expires Jan 2010 = £8000
Fixed Savings 3.72% Expires Jan 2010 = £3200
Fixed Savings 4.08% Expires Jan 2010 = £5000
Fixed Savings 5.2% Expires Nov 2009 = £2939.61
Cash ISA Fixed 5.00% Expires July 2014 = £7218
Cash ISA Fixed 5.00% Expires July 2014 = £10589
Cash ISA Fixed 6% Expires Nov 2009 = £3655
Cash ISA Fixed 6% Expires Nov 2011 = £3644
Instant Access Savings Account 2.2% = £35.01
Instant Access Savings Account 2.2% = £35.01
Instant Access Savings Account = £1.03
Current Accounts + MB Float (This includes Moneybookers and Paypal) = £7715.28
Loose Change - £31.76
Euros - £195.98

Total Savings = £88,909.68

Debts other than mortgage

Balance to be paid to a Credit Card in Jan 2010 (currently 0%) = £2647.40
Balance to be paid to a Credit Card in Oct 2009 (currently 0%) = £3352.77
Balance to be paid to a Credit Card in Jun 2010 (currently 0%) = £856.77

Total Debts other than Mortgage = £6,856.94

Mortgage + Debts – Savings = £17,791.28

SOA for July

Monthly Household Income (after tax) = £6341.10 (£6247.80 Salary + £84.10 – Quidco/TCB Cashback + £10 Scratchcard)
Mobile -£19.57
Mortgage - £873.81
Transfer to Regular Savings Accounts - £3200
Council tax (Paid by 0% Credit Card) - £0
Telephone and Broadband - £29.17
Fuel (Paid by 0% Credit Card) - £48.68
Electricity/ Gas (Direct Debit) - £35
Food & Groceries + work Expenses - £115
Shopping + Misc (Paid by 0% Credit Card) - £34.23 (This includes some medicines for the Medicine cabinet and vitamins) and some DIY stuff from B&Q and 1 Lipgloss for me from Debenhams)
Credit Card Payment (0% Balance Transfer) - £25.00
Credit Card Payment (Purchases at 0% for 12 months) - £77.00
Credit Card Payment (Purchases at 0% for 12 months) - £15.00


Elecricity – KWH/day (to be added at the end of the month)
Gas – KWH/day (to be added at the end of the month)
Grocery Spend £115/£100
Cashback expected from Quidco etc. £35.35
MS Reimbursements and Fee expected £32.24

Have updated my signature

MoneyQueen

As I have not provided an update for ages, I thought , I will do a post for the "Highlights of July"

1. Big Pay checks as I had done lots of overtime in June - £6247 for both of us
2. DH has done some OT in July so hopefully there should be something extra on 31st July
3. I am down with Fever so not much is being done for moneymaking at present.
4. We have had lots of friends over the last two weekends so weekends have been busy. This also means that the grocery spend has gone out of the window (£115)- Why does alcohol have to cost this much :rolleyes:
5. I have booked some Mystery Shops for August :j
6. I am still waiting for my first payment for the MS that I did in June
7. I have joined the £1000 in 100 days challenge. Have not done much for that though
8. Absolutely no MB
9. Have transferred £100 to India at exchange rate of 78.60. Need to send the remaining balance in the first month of August
10. Clothes NSY challenge is going well. I have not felt any temptation till now :j

Will add if I remember anything else

MoneyQueen

Almost forgot, Cash ISA Transfers to Newcastle BS have been completed for both of us...
£17807 is fixed at 5% now...

The interest we got with YBS last year at 6.3% is £1255 :j

setmefree2

MoneyQueen wrote: »

. Clothes NSY challenge is going well. I have not felt any temptation till now :j

Well done with that :T:D

setmefree2

MoneyQueen wrote: »

Almost forgot, Cash ISA Transfers to Newcastle BS have been completed for both of us...
£17807 is fixed at 5% now...

The interest we got with YBS last year at 6.3% is £1255 :j

and well done with that too :T:T