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

setmefree2

Well done Pammy :T:T

pammyj74

http://www.whatmortgage.co.uk/calculators/fleximortgage.html

Just looked here and have bookmarked this for future use as it shows you more about the years and interest you are saving which is what I was looking for to give me inspiration

So...

I am hoping to have £82400 at the end of feb, this is if can OP £200 in Jan and Feb the svr will be 3.5% (obviously it wont be that low forever sadly

If I keep the term - 20 years -

Monthly payment - £477.89 total payment - £114692.83

OP £150 payment - £627.89 total payment - £104023.13

so OPs save me £10669.70 and I would end in 13 years 8 months

OP £250 payment £727.89 total payment - £100156.32

saving £14536.51 and ending in 11 years 5 months

pammyj74

woohoo just realised I had post and it was the letter from dvla for the tax disc I sent back a few weeks ago, was expecting £20 but got £31.
Sold something on ebay for £26 so about £22 profit there.
deposited £10 on tombola to platy the free daily game and thought I may as well play as they gave me £5 bonus as well and ended up (eventually) winning a line of £30 so withdrew £35 leaving £5 in

Also got to £12 from free scratchy on littlewoods as won £5 yesterday.
AND won 15 free spins on jackpotjoy and won £8 from them and withdrew £15 from here too

So all in all over the last few days am in profit £105 :T :j

pammyj74

forgot it was free listing day on ebay and had a comp set to put on there so have done that today.
Kids and me made our salt dough decorations, dont know how they will turn out when painted, we'll see

Have got most meals from batch cooking for this week so wont have to buy much more then fresh stuff but do have a couple more pressies to buy.
Also need to get my bum in gear to do kids dads calendar for xmas (not that he will appreciate it :mad:)
anyway bed is calling me, I really need to start going to sleep earlier than midnight!

Kittikins

DD had a really good cream from the chemist when she had a nasty rash, worked nicely on chicken pox as well, can't remember the name of it, but think it started "eu".

DD's at school today, nice and happy and practicing to be an angel for the church service on Friday

Hope your DD gets better soon.

pammyj74

have got doctors booked for this evening to take DD, even if we get cream i wont have to pay for it

spent a bit of money today got stuff for mums crafty pressie, hope she likes it!
Also got kids dad a lager glass with best dad on it from charity shop and will fill it up with asdas own eclairs as they are gold in colour and only 30p lol

pammyj74

got another £10 from free scratchie today and also got £25 in the post form ex in laws for xmas (will go towards xmas treats in grocery)
Should have a NSD again today as kids gone to in laws with their dad and I am home alone just chilling!!
About to work out how much I may be able to afford this month on OPs (might be difficult if ex doesnt pay maintenance again :mad:)

pammyj74

sold another game today about £12 profit :T

pammyj74

Just looked at my mortgage SS and it shows that I need to pay £729 OPs in the next 2 OPs to make a target of £82k for the fixed rate ending end of feb (2 payments)
I can possibly OP £400 this month which will leave £329 the following month (or do it half and half £365)
wish me luck

pammyj74

Just looked at my mortgage SS and it shows that I need to pay £729 OPs in the next 2 OPs to make a target of £82k for the fixed rate ending end of feb (2 payments)
I can possibly OP £400 this month which will leave £329 the following month (or do it half and half £365)
wish me luck