pammyj74's MFW diary (or possible wishful thinking!!)

yukkibear

Good to see you back x

*Jellie*

I forgot to fill up car too!

pammyj74

Ddraig wrote: »

Well done Pam.

As you know by being my friend elsewhere that me and mine dont have a lot of room for manouvering really.But I am so pleased with myself today.
I phoned the bank.Santander let you book rates and deals up to months in advance of your fixed deal ending.Mine finishes end of April and it is at 5.34% .I have just fixed it at 4.49% for 4 years product fee free.I could have had 3.99% for 2 years pff.But I wanted the 4 to see what happens when these bloomin Tories get booted back out.
With people suggesting they will be lifting the BOEBR to something like 5% Id rather play safe.
Anyhow.Ive told them to up my payment £2 to round it off and to keep it at that when the rate drops 1st May.Im allowed 10% overpayment /£499 max overpayment a month.Which is fine as I have no chance in hell of that.On a balance of £36,604.07 Id be over my 10% if I could.
Well if I did 12 months,lol.
16years and 3 months left as of today and that needs to come down .But as others have said biggest interest rate off first and although I have 0% deal on CC that needs to come off and need to make sure I don sit in the overdraft for part of the month every month.
As of 1st May I will be overpaying £10.40 without changing a thing.Calculator says that knocks of 11 months whoohoo,lol.If I can match it again that would be great.

That is great news, at least you will know where you are for the next four years. I am dreading coming off the SVR but not as much as others who are on the trackers :eek:

Ddraig wrote: »

As for Toluna its playing up like a right ar*e at the moment.Its not always that bad.When it annoys me I close the page its on and go back on in a fresh tab.xx

Sometimes the pages take ages to load and I thought it was my lappy. I am slowly finding my way around the site.

yukkibear wrote: »

Good to see you back x

Thank you

*Jellie* wrote: »

I forgot to fill up car too!

It didnt even cross my mind until I read it on Toluna!

pammyj74

yippee I am finally at £50 on NV Have just looked and see that payments are sent at the end of the month and could take a couple of weeks after that so prob wont get the chq till mid Feb but at least there.
Also redeemed £13 on mysurvey for paypal.
Am at 58k on toluna and maxed out, cant believe how quickly you get to 15k from the forum. Have done half my maximum 80 word replies so have another 24 to do for my 5k maximum. So can only hope for more surveys and polls.

Am at £32 on ebay profit.

Have set my emails up properly now so I can do comps quicker and easier :j

My DS2s birthday next month so need to keep some money back for his party and presents. I have no clue what to get him so any ideas very welcoming

pammyj74

Have Op'd another £100. Ebay is doing a storm, one lady has bought 7 signs! Am at £45 profit this year so far :T

Managed to get the kids xmas stuff upstairs today and will tidy up the rest tomorrow on my day off. boooo

DS2 has asked for a bakugan figure which is 7 in 1 thingy. Looked on amazon as have about £40 on there at the moment and there was one for £40 but thought I am not paying that much for it. Looked on ebay for it and there was one for £19 but I had just missed it. then saw one for £11!!! Its so cheap because it is coming from China so hoping that it gets here in the next 25 days!
YAY so thats one present sorted. Think I might just have a party at home like his sister had but not sure what they could do. All he would want to do is play on the wii. I thought maybe a cinema treat but then would need to feed them or something.
Have looked at a couple of other survey sites that arent normally mentioned on here so will test them out before I talk about them. Hope they are good.
Am at 63k on toluna, and havent really been on it that much the last few days as maxed out on pts for opinions from others but need to do my big replies to boost it up a bit.

My sis is due a baby any day now, am so excited as my other nephews are all grown up from my older sister. This sis is 23 and its her first. Cant wait!

gratefulforhelp_2

Signs? Do you have a pic or a link please? Outdoor or indoor?

pammyj74

just wanted to add to peeps, I didnt ignore GFH I pm'd her lol

I have got to 86k on Toluna quicker than I thought really, its not as bad as I thought. Have redeemed my first ever voucher and looks like I should hopefully get it in march/april lol
ETA, just realised why my pts went up so much, have been promoted to expert member :j got 15k points

Also had a fab night on BP last night as won 3600 pps, dont think I was liked in the room then managed to redeem again in time tho :j

ebay is at £63

No sign of baby nephew yet.

Work really annoyed me today (again) I was fine all day and then my boss and his son came back to the office and started making sarky comments about my hair. I had it up today as had a bad nights sleep and didnt wash it this morning. They started commenting that I was having a bad hair day and no need for gel when you have your hair that greasy etc, daft things really but I think because I was tired I was fighting back the tears. How stupid but it really made me upset. I know that the son looks down on me, in fact he probably looks down on a lot of people.
Luckily it was almost time to leave so I just sat there and did my work quietly. I hate it there at times but I also hate that I cant just brush it off as them messing around. I am really conscious about how I look and that I am not pretty etc grrr

newgirly

Hi Pammy, hope things improve at work. Is there any news on the baby yet?

pammyj74

oh yeah, baby arrived yesterday morning just after midnight, hes so tiny and cute. 7lb and kept the name Alfie.

will post a bit more another time as struggling with toothache again and have 13 signs for ebay to do before ironing and bed

newgirly

Great new on the baby, hope your tooth eases up a bit, take care.