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

yukkibear

Yay well done on the savings

pammyj74

Everything paid out for the month now so can update for what is left for next month. Have OP'd another £250
I looked on SS and I can realistically reduce my term to 9 years and only up my payments by £20 Its so tempting to do it. Would take off another 4 months.
Then I would only need to shave another 12 months to get me on target :j. Its amazing to think its possible

pammyj74

June already, where is the year going!!

Am off today in lieu for BH monday when I am normally off anyway. Have already got one washload out and another in the wm.
Need to clean the gpigs cage out and do the garden and plant out my new plants.

I did about 3 hours on toluna last night to get in before the month ended as you only get a certain amount of points per month. I earned 3k yesterday from topics and another 600 from sponsored polls and topics.
did a survey on ipsos which took me over for a £10 voucher, got £5 from BP. Sold my white topaz watch for £40 on ebay too which took me to £200 profit on ebay last month. Once good feedback is back for that I will put the money on the mortgage.

Am off to town today as DD is looking for 500 pc jigsaws at charity shops, she just done a 300 piece so we are going to do this one together. I used to 1000 pc ones and have my jigsaw board gathering dust behind the sofa!

yukkibear

pammyj74 wrote: »

have my jigsaw board gathering dust behind the sofa!

But I thought you had just decluttered in preparation for moving :eek: shame on you Pammy

CathT

Glad you managed to sort out the childcare and save money in the process. I'm not sure where the year is going either - quite scary really!

pammyj74

yukkibear wrote: »

But I thought you had just decluttered in preparation for moving :eek: shame on you Pammy

That was one thing I wasnt parting with! (didnt dust it either lol)

Spent a bit of money in town but come home and cant really see where the money has gone!
Got the kids 2 tops each and I got 2 tops from sports soccer that are their special offer this week.
Bought some smelly reed diffusers as I am obsessed with the one my sis has, it smells lovely as soon as you walk in.

Put £100 from £2 jar in bank and got two more coins in my change today so back to £12. Should get £100 again before xmas

Am shattered but need to clean the cage out. Might do garden at weekend keep putting it off!!!

pammyj74

pammyj74 wrote: »

Sold my white topaz watch for £40 on ebay too which took me to £200 profit on ebay last month. Once good feedback is back for that I will put the money on the mortgage.

:j got good feedback already so withdrew £70 from paypal, and still £30 pending from the other day to go in my bank

pammyj74

havent done this update for a while

A lot of bumph for me to keep track of how its slowly going down

so figures for end of month and the year below:

Total Actual payments: Jan, £2096; Feb £1296 Mar £1596 Apr £946 May £1196 (Total = £7130)

Original scheduled payments: Jan, £696; feb, £696 Mar £696 Apr £696 May £696 (Total = £3480)

Payments over/above original schedule: Jan, £1400; Feb £600 Mar £900 Apr £250 May £500 (Total= £3650)


Interest per day: Jan, £6.84; May, £6.44

Interest per month: Jan, £212; May £193

Mortgage balance: Jan, £70,425; May £66178

% of mortgage now paid off: Jan 21.75%; May 26.46%

I need to OP £800 to knock off two months and then will only have a year to knock off term
If I get my tax credits as normal middle of the month I can definitely do this.

Wont add the survey bumph etc as I havent really done any lately but getting back into it again now hopefully.

pammyj74

pammyj74 wrote: »

:j got good feedback already so withdrew £70 from paypal, and still £30 pending from the other day to go in my bank

Both gone in and £100 OP'd off the mortgage. Only £78 left to get me under £66k
Another £20 withdrew from paypal today which is paying for my haircut treat tomorrow

Ordered Ipsos voucher 3 days ago and rec'd it this morning! Amazingly quick, quickest I have ever rec'd a voucher.

Had good news today that the Home Start charity that I am looking to volunteer for has been able to put the next course on a Monday so I can join it and join the charity hopefully :j I have an interview with one of the ladies of our branch on Monday morning to see if I am suitable etc and then will hopefully do a 7 week course, although the last week we are on holiday so she says I can have a one to one for the last bit.
I am nervous but really looking forward to it.

Also got my letter through from blood donating, its been a year now since I had low iron last time so I can start donating and booked in again. Am being really good and eating loads of fruit and veg This will be my 5th one

gallygirl

Well done Pammy, it's great that you're helping others when you're in a state of flux yourself :j