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

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  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    car boots are from when i used to get health & beauty stuff from tescos for the extra points (using coupons too) so just getting rid of the last lot of stuff i have had for a year or so now (yes i had boxes of it!!!) but have just booked my third free holiday from the points :D
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    determined1 wrote: »
    don't panic. WHAT!!! 5p is at stake here :eek::eek::eek::eek::rotfl:
    pammyj74 wrote: »
    ok so end of month again and I have been trying to be very frugal!
    did another carboot last weekend and made £165, and also have £75 from quanti and £100 from £2 jar :)
    I am able to pay £600 OP this month :eek: amazing!!
    this will take my mortgage total to £84,136.77 and I have knocked off another 3 months off (now 14 months in total) My MFD is now Jan 2030
    Total OP this year is £2800 which is amazing to me and waayyyyy over my estimate that I could do :D

    Halifax balance this morning shows £84,736.82 so -£600 not come off yet shows £84136.82 so that naughty 5p is still showing lol
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • determined1_2
    determined1_2 Posts: 266 Forumite
    arggghhhhhhhhhhh!!!! :eek::eek::eek::eek::eek::eek::eek::eek::eek:

    What are you going to do? Put it in the rounding column or complain to the bank? :p
    Mortgage started May 08 @ £144,499 for 35 yrs:eek: Must get mortgage sub £100k by xmas 2011

    Current balance/total OPs/total interest saved/months saved
    £111,000.00/£27,336.40/£96,025.57/156
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    arrghh I dont know :D
    £600 still hasnt come off yet?

    This month will be harder now as I have to start paying for my shopping properly again now that Tesco dont take coupons anymore :( I am really gutted
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • determined1_2
    determined1_2 Posts: 266 Forumite
    seems strange being than mine updated on the 2nd!

    does your payment come from a halifax account?
    Mortgage started May 08 @ £144,499 for 35 yrs:eek: Must get mortgage sub £100k by xmas 2011

    Current balance/total OPs/total interest saved/months saved
    £111,000.00/£27,336.40/£96,025.57/156
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    no lloyds tsb, I think this months payment i will do on end of the month to be paid on the 1st and then they should both come out together.
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    well it came out today and my balance is £84,205.18 which is £68.41 difference to the SS which I imagine is 5 days interest also.
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • determined1_2
    determined1_2 Posts: 266 Forumite
    it seems as though you have been charged interest (or will be at the end of the month) five days worth of your balance being £600 higher!

    This was the cause of the 5p difference before. I reckon you will have a 51p difference next month because of this.

    I think this is happening because your OP isn't hitting your mortgage account on the first of the month because it is coming from a non Halifax account?
    Mortgage started May 08 @ £144,499 for 35 yrs:eek: Must get mortgage sub £100k by xmas 2011

    Current balance/total OPs/total interest saved/months saved
    £111,000.00/£27,336.40/£96,025.57/156
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    yes I think i will set it up about a week before to be paid on 1st, do you think that will sort it out?
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    Have set up an OP of £300 to come off on the 1st, would have been more but my car MOT failed £600 down the drain :(

    so expected total should now be £83,732.33
    total OP to date £3100
    total interest saved over £4000
    EMFD December 2029 (one extra month off totalling 15 months deducted)

    Didnt expect to be able to pay that much off this month with everything else that been going on (xmas etc) so pleased I still could.
    Might be nothing next month tho lol
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
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