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pammyj74's MFW diary (or possible wishful thinking!!)
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Hope you had a good day at work and got the response you wanted to your appraisal.
Amazing how much you have paid off in the last 20 months - almost £600 a month in O/Ps on top of normal payments - amazing amounts and great you have kept it up long term (my worry is I will lose heart after a while when I still see me owing over £150k now!)
Have a lovely weekend!Mort at highest - June 2008 - £171,000 - Daily Int 5.9% = £27.64:eek:Offset Mort - Nov 2010 £150,299- Daily Int 3.75% = Nov £15.44Mortgage Jan 2012 - £136,000 - Daily Int 3.75% - £3.100 -
Have just done my meter readings and a bit shocked at the gas. Think I will not be having the heating on low 24/7 anymore. The meter reading for last qtr was 352 units (sep-dec), this qtr is 606 :eek: I didnt put the heating on until Oct but this last month I have been putting the fire on a bit in our front room as I was sick of being cold. I am £87 in credit from the last bill and £174 will be from DD but I reckon I will be about £60 over purely for the gas usage. elec is 40 units down.
I walked to the sorting office today to pick up my parcel (think its a free testing sample) and didnt realise they closed half day today. Its quite a walk, we then went to feed the swans and then on to big Mr Ts and back home. All of this in the drizzly rain. Kids went on their bikes but on the way back they walked as they were tired and cold. Dont think they appreciated itAlthough they loved feeding the swans as they followed us all the way up the stream.
Kids want to go swimming tomorrow but I cant so I am going to sit and watch and trust them in on their own.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!! :j0 -
I walked to the sorting office today to pick up my parcel (think its a free testing sample) and didnt realise they closed half day today. Its quite a walk, we then went to feed the swans and then on to big Mr Ts and back home. All of this in the drizzly rain. Kids went on their bikes but on the way back they walked as they were tired and cold. Dont think they appreciated it
Although they loved feeding the swans as they followed us all the way up the stream.
Crikey Pammy, that was a walk & a half!!!!!!!A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effortMortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"0 -
It was a fair walk yes. I love doing things like that in the summer but it was cold and wet yesterday so kids not happy.
Took them swimming this morning. DS was aiming to beat his 5 lengths from last week and he actually did 9. DD wanted to beat her 16 lengths she did at distance swimming and did 21! I was so proud that they pushed themselves. Its distance swimming again on 19th and DS says he wants to be put down for 16 and DD is going to try and do 32. I know they can do it. Especially with everyone else in lanes around them.
To celebrate I let them choose a smoothie and they added frozen berries, bananas, fresh strawberries and icecream. As well as a bit of apple juice we had left and a strawberry yogurt. With the icecream and frozen berries it was a proper brain freeze!!
Toluna is a strange one but I am under the impression I keep plodding and not to expect voucher for about 12 weeks after ordering. As long as you expect that you cant get them as quick as other sites. I have three on order and once 7 surveys have cleared I will be half way to the next one. As long as I have them all by October and they definitely come I'll wait lolMPs 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!! :j0 -
Hi Pammy,
I am finding the Toluna site is taking ages to add the points, but as soon as I get up to £80k, I order a Debenhams voucher. My last one I ordered on 22nd February and it arrived this week :j I am now listing all the surveys points due and since 28th Feb, I am owed a massive 39K points, so once that goes on, I have enough for another voucher. I guess it depends which vouchers you order how quick they come...all of mine have been Debenhams and all 3 came super quick :T"A smile takes but a moment...
...but the memory of it lasts forever"0 -
Yes I dont really shop in debenhams as its quite dear for me and I prefer L2S or I might order amazon next time to save up for something bigger maybe?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!! :j0 -
I'm keeping all the Debs vouchers for xmas this year. Last year, we ordered loads of clothes for my DS and stepson, got some really good 70% off bargains. Plus, if I get desparate to spend them I could always treat myself to a posh handbag"A smile takes but a moment...
...but the memory of it lasts forever"0 -
Have just done my meter readings and a bit shocked at the gas. Think I will not be having the heating on low 24/7 anymore. The meter reading for last qtr was 352 units (sep-dec), this qtr is 606 :eek: I didnt put the heating on until Oct but this last month I have been putting the fire on a bit in our front room as I was sick of being cold. I am £87 in credit from the last bill and £174 will be from DD but I reckon I will be about £60 over purely for the gas usage. elec is 40 units down.
Got my bill emailed today and its £30 in debit so not as bad as I thought and this can be clawed back in the next few months PLUS last year my monthly payments were £72 then went down to £66 and are now £58 so considering I am only £30 over that is fantastic. I am really pleased.
On the other hand one of our gpigs has a bald patch on their back, looks like they have scratched and drew blood but I have g00gled it and looked on my gp forum and it could be a fungal skin infection or mites grrrr. So I have bought some spot on drops off ebay and some fungal shampoo off a site who was cheaper than ebay paying by paypal so hoping I can sort it out with that as a first instance and if not then to the vets we will go. They still seem there happy selves popcorning around their clean cage this evening and eating loads.
Have my hospital appt tomorrow, hope they can give me a early date to get my tooth sorted. Hope I can get to the kids before 4pm so it doesnt go into another hours fees.
Still no luck with a car, keep looking all the time, think I will have to look further afield to get one by the end of this month before my tax runs out. why is nothing simple??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!! :j0 -
Hey pammy well done on your balances and over payments, I admire your stamina.
For mites u really need a drop called xeno-450 u can buy it from the vets or have a look on line, not cheap tho, ideally it should contain ivermectin- if the other one doesn't work try that:)
Glad work is going better.
Lovely weather allows lots of nice cheap activities like walks etcMortgage November 2003 was £135k, but thanks to this website on 28/08/12 we became MORTGAGE FREE!
Now just over 2 years we have taken on the challenge again! )(starting £237k Nov 2014) Current mortgage £232,399.82, current overpayment total £1550, years remaining= 170 -
I have bought ivermectin so hoping that works. thanksMPs 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!! :j0
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