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

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Comments

  • babyb06
    babyb06 Posts: 369 Forumite
    Yeah! So glad the tooth is all better and the pain has gone! Just in time for a lovely bank holiday weekend too!
    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 £15.44
    Mortgage Jan 2012 - £136,000 - Daily Int 3.75% - £3.10
  • Froggy-G
    Froggy-G Posts: 2,145 Forumite
    Glad to have you back Pammy! Woohoo!! :j:j:j:j:j
    Froggy's New Lillypad Fund
    Total so far: £ 10,009.77
  • greent
    greent Posts: 10,787 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great to hear the tooth problem has finally gone!! :D:D
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    Thanks guys, feeling ok today but still suffering with headaches, not sure whether that is normal or not?

    Am kid free today until 6 and thinking to get all my ironing done for school/work next week out of the way (deep joy) you'd think I could have better things to do in my leisure time!

    This week I have had a £2 coin in 90% of the change I have rec'd. Don't know if I can afford to save them all, its £10. I suppose in the long run its good. I hate having to spend them anyway lol

    Got £5 off MyS yesterday, am at £7 on VO, £22.30 on OP

    Have just sent my email off again to Home Start as I have put my name down to volunteer and they say the preparation course is in May but I have not heard anything yet. Its a one day 10 week course and need to know if they have enough people to go ahead with this course. I read a comment on the FB page of Home Start and some man has put that he thinks the people that use this charity are just looking for free childcare, housekeeping, shopper! How terribly synical. When I watched some of the homestart videos on youtube a lot of families really do need the help and support. In fact I wish I had known about it when my two were younger. I could have done with the support!
    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
  • Child free - lucky you.

    Make sure you have some me time. I am sure the headaches are just part of the healing process but if they carry on its probably worth getting them checked out. Its still early days yet isn't it.

    A week ago I had 4 steroid injections in my lower back :eek:
    It is still extremely sore. So much so that I cant lay on it yet but i know in the long term it will make things less painful.

    Make sure you don't over do it today and have a lovely time

    MOOC xx
    Mortgage Free as of 31/5/11 :j:j:j:j:j:j:j
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    Have bit the bullet and OP'd £250 :D feels good to OP as havent done any since 27th March and I normally do some every couple of weeks or less. Hasnt really made a dent in the end date but a little notch towards another month off. When Mays MP comes out I will have 9 and half years left . I have had a look and if I up my normal payments by £30 a month I can knock my end term down to 9 years but on looking at the charts it would only save me £600 over the course of the mortgage in interest (apparently) which is a lot dont get me wrong and I will save that anyway by my OPs its just me being impatient and more for mentality reasons. I know I will get down to 9 years probably in about 4 months. I normally knock off a month every couple of OPs. I need to OP another £250 to knock another month off according to my SS. :)

    I have now OP'd £3150 and 63 % of my target. I need to OP at least £231 each month to stay on track which is achievable but we go on hols end of July so want to put £50 away next couple of months for spending money, that reminds me I need to order my tesco cc tickets for a couple of day trips. Might do that this afternoon :)

    :j :j feels good to OP again. Its addictive isnt it. :dance:

    once the last couple of paypal payments come through and I get my last weeks wages (5 week month) I will poss be able to OP £100 at the end of the week :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
  • laurasavon
    laurasavon Posts: 475 Forumite
    pammyj74 wrote: »
    :j :j feels good to OP again. Its addictive isnt it. :dance:

    It is - but it's a good addiction to have :money:
    Jan 2010 - Overdraft £9,500 / Credit Cards £5,000 / Loan £9,500 / Mortgage £128,000
    Jun 2010 - Overdraft £0 / Credit Card £0 / Loan £0 / Mortgage £125,250
    Oct 2011 - Overdraft £7,000 :mad: / Mortgage £115,295
    Dec 2014 - Overdrafts 15,000 / Credit Cards 16,000 / Loans 25,000 / Cars 18,000 / Mortgages 232,500
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    Have ordered tesco cc vouchers for Africa Alive! and Pleasurewood Hills Theme Park both in Lowestoft and look like they will be fun. They are both about 20 mins drive from where we are staying which is fab :D
    I ordered £75 of voucher so will only have to put £2 to the theme park but £7 to the safari. I can live with that lol
    I have £70 of vouchers left to spend (already converted of course) so not sure what else I can use them for. Might keep them for the summer hols for another day out somewhere.
    Shame its only x3 now. The free holidays we have had has been really good though so cant complain.

    still havent done any ironing :o
    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
  • yukkibear
    yukkibear Posts: 5,556 Forumite
    Part of the Furniture Combo Breaker
    Hey pammy. Glad you're feeling better without tooth. The headaches are prob a side of your mouth healing. Think about the trauma your teeth have been through when they pulled the tooth, it affects everything in your head.
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    It is good to make those OP's isn't it. At the rate you go though i think you have much less than 9 years left.
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
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