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

pammyj74

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

so figures for end of month below:

Actual payments: Jan, £1,127; Feb, £1,127 March, £1,356 April £894 May £844 June £896 (Total = £6244)

Original scheduled payments: Jan, £594; Feb, £594 March £594 April £594 May £594 june £594 (Total = £3,564)

Payments over/above original schedule: Jan, £533; Feb, £533, March £762 April £300 May £250 June £300 (Total= £,2678) - not as good as the other months

Interest per day: Jan, £13.41; Feb, £13.29, March (rate went to SVR) £7.83 April £7.73 May £7.63 June £7.57

Interest per month: Jan, £415.65; Feb, £412.09, March (rate went to SVR) £363.57, April £239.76 May £228.26 June 234.65

Mortgage balance: Jan, £82,377: Feb, £81,648: March, £80,655 April, £79,555 May, £78,937 June £78,053

% of mortgage now paid off: Jan, 8.5% ; Feb 9.28%; March 10.39% April 11.01% May 12.3% June 14.3%

% of house now owned outright: Jan, 31.35%; Feb 31.96%; March 32.79% April 33.35% May 34.22% June 35% (LTV % = 65%)

So far this year paid off the balance: £83, 088 - £78,053 = £5035 out of total payments £6244 so £1209 in interest over 5 months

June challenges

Grocery - £122/£120 not completed
Petrol - £110/£130 completed
Clothes - £0 completed
NSD - 7/15 not completed :mad:
VSP - £32.69 (took £200 out for holiday spends


Extra earned this month: (a not bad month )

BP Amazon voucher - £10
Eon refund - £50
ebay clear profit - £37.58
bingo - £30
Focus groups - £34
TCB - £9.65


total £171.23



Extra paid out this month
uniform - £66
Haircut - £12


Surveys stand at:

GTM - 460 /1000pts
Ipsos - 900/1380pts
VO - £11.05/£10 (+£2.75 not added but they assure me it will be)
Lightspeed - 770/1150pts
Newvista - £12/£50 - a long way off with only 1 survey every 10 days or so lol


Amazon voucher total stands at: £98 :j (spent £20 on 2 pressies)


As we are away next week i wont have grocery or petrol spends although I do have to drive to the airport etc and we have spending money but I have been putting aside for that.

welshlady33

Well done Pammy, have a nice holiday!

Sunnyday

Wishing you a happy holiday Pammy, have a wonderful time x

SD

skintscotslass

Well done on all your hard work Pam. Enjoy your hols luv, you deserve it!

greent

Have an absolutely fantastic time on your hols, pammy!! And a big well done on your OP achievements, too!!! You deserve a nice break

x

pammyj74

Thank you guys, 2 sleeps to go arrgghhhh! I have been frantically cleaning the house as well as getting everything all ready on top of the kids doing come dine with me and so cooking meal and desserts from scratch 3 days in a row (last one tonight DD)
AND I have booked 4 tickets to see the new karate kid film in the morning as well and taking DS2s friend with us, nothing like trying to relax, I doubt being on my own that I will relax much next week either but at least I wont have to cook!!
Going to get the kids up early tomorrow so hopefully they will go to bed early as we have an early 5am start on Monday!

cha97michelle

Enjoy your hols Pammy. Mine is definitely helping me feel a bit more focussed for when i return. Will certainly need to be.

wantabetterlife

Well done Pammy, those statistics are looking great :j. Hope you have a fab holiday!!!

Baby_steps_2

Have a great holiday pammy, enjoy yourself and have some fun with the kids.

pammyj74

I will try to have a good time, but right now I am just anxious to get there and how I am going to cope on my own. The kids bless them have promised to be really good and help out where they can too.

All set and packed and about to try and get some sleep as have to be up at 4.30

Take everyone, see you all in a week