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

SmlSave

big big HUG pammy! you are a star and we all have 'nothing' days

I hereby order you to enjoy the bank holiday weekend!

Baby_steps_2

SmlSave wrote: »

big big HUG pammy! you are a star and we all have 'nothing' days

I hereby order you to enjoy the bank holiday weekend!

I agree with smlsave, enjoy ur bank holiday. Take the pressure off a bit as I've often seen people say it's a marathon not a sprint. This applies to studying and mortgage payments.

Take a bit of u time!!

pammyj74

its my birthday on Monday anyway so I deserve a break
thanks guys

SmlSave

Ahhhhhh pammy!

This is for you on your birthday

pammyj74

ah thank you thats lovely. I more than likely wont have many pressies on my bday as wont see family and kids dad doesnt get them something to give either

was bad and spent again today, think cos i am a bit low and tired. It is nice to spend some money every once in a while tho and it was only a few pounds on some seeds. I am thinking of getting another little plastic greenhouse though as I have no room in my other one. Its only £10 and I want to have lots of colour flowers around this summer. think i will treat myself for my gift to me

pammyj74

figures for end of month below:

Actual payments: Jan, £1,127; Feb, £1,127 March, £1,356 April £894 (Total = £4504)

Original scheduled payments: Jan, £594; Feb, £594 March £594 April £594 (Total = £2,376)

Payments over/above original schedule: Jan, £533; Feb, £533, March £762 April £300 (Total= £,2128)

Interest per day: Jan, £13.41; Feb, £13.29, March (rate went to SVR) £7.83 April £7.73

Mortgage balance: Jan, £82,377: Feb, £81,648: March, £80,655 April, £79,999

% of mortgage now paid off: Jan, 8.5% ; Feb 9.28%; March 10.39% April 11.01%

% of house now owned outright: Jan, 31.35%; Feb 31.96%; March 32.79% April 33.35% (LTV % = 66.65%)

So far this year paid off the balance: £83, 088 - £79, 999 = £3089out of total payments £4504

April challenges

Grocery - £115/£120 completed
Petrol - £125/£140 completed
Clothes - £0 completed
NSD - 11/15 :mad: not completed
VSP - £29.81


Extra earned this month: (not much )

BP Amazon voucher - £15
VO amazon voucher - £10
Bingo win/cards - £58
quidco - £15
ebay clear profit - £19.89 :j

GTM - 1000 pts claimed and waiting for cheque
Ipsos - 15 pts away from £10 amazon!!!
dooyoo at 38k towards £50 cheque


Extra paid out this month

Car tax- £112
Airport parking - £18
Travel Insurance-£12
Shoes - £10
school trip - £30


Have no spare cash for OP next month so any made will be from any extra earned

pammyj74

have just withdrew £20 from paypal so its a start for OPs next month

and just won on BP and have enough to redeem this week so £5 on thursday
good start to the month

4 surveys sent today, only 1 accepted VO £2 :j
others too late getting round to them!
just tried an ipsos one too and did 2 minutes, didnt get accepted but got 25 pts for it, would have been 75 for 15 mins so not complaining. Now only 15 pts away from a £10 voucher, so close yet so far!

wantabetterlife

Hi Pammy, you are making great progress . Just wanted to pop in and wish you happy birthday. I do read your diary regularly but unfortunately dont post to often as the evenings in this house is manic. Welldone:j:j

pammyj74

OK challenges for this week (sat - Sat) are:

Try at least 3 surveys sent through a day - 4 done today, 1 accepted GTM 40 pts
Put 5 items on ebay 2 on
Do 5 hours study
Do 5 dooyoo reviews 1 done
start doing pigsback quizzes again
do 200 comps - 161 done
4 NSDs first one today, start as they mean to go on

I am sure there are more

pammyj74

well sold two things on ebay so have been able to withdraw another £10 from paypal

so when that comes through I an OP £30 :j

am off to try and do a BIG shop today so I can have a few NSDs this week.