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

pammyj74

yeah I have done now they have responded. thanks

CathT

ouch at the negative feedback. Have my heating on for an hour. DD waking at night and i'm wondering if she is cold. Glad all went well at the PTA.

pammyj74

another 75p on VO so at £7.80. Also 30p on onepoll

work has been such a nightmare this week. I work for a plumbing company and everyone is putting there heating on now. So what a great idea for the boss and his wife to go on holiday :mad:
I have even brought some work home as I dont have time at work with the phone constantly ringing and having to rebook jobs and speaking to irate customers because of it.

Have OP'd £200 for next month plus my norm £100 SO.

will do my month end figures tomorrow if I get time.

Iris_Blue

I love your updates - very inspirational.

gerbiljo

Fantastic about the competition
I got a nfb when I was on maternity leave and I was really upset too, I don't sell much and I'd put on these boots which were big crazy platforms, I described them as used but in ok condition for fancy dress etc but a bit scratched etc and offered extra piccies. They were put on for like 99p but went for about £12. I was a bit annoyed with the buyer as she wanted them for like 2 days time and it was snowing so I had to walk to the post office (don't like driving in snow) and fell over about 3 times so she got them for her party. She then emailed me saying she wanted a refund and that the boots had 'fallen apart' and caused her to fall and sprain her ankle and she hadn't worn them for 5 minutes and she'd even been careful and not worn them in the snow, etc etc she sent me photos of her swollen ankle and everything. I didn't give her a refund at least partially as I was worried she would say that I was liable and sue me or something! This was followed by repeated emails of abuse saying I was a nasty piece of work and that she spent all her time looking after her disabled child and her one night out I had ruined. I was so upset but in the end I just ignored it and she stopped sending stuff. Obviously she left nfb but I looked the other day and it has gone now (it only stays on for a year) so I'm back to 100% now, but I gotta say it really put me off!!! Plus paypal sided with me so it helped but it was a horrible time and surprising how something so silly can be upsetting.
Any consolation, I think most people still buy from people with over 90% pfb, so I doubt it'll affect anything but I know its not a nice feeling

pammyj74

yes its not nice, that sounds awful. I always make sure I state exactly what I am selling to cover your own back.

pammyj74

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


so figures for end of month below:


Total Actual payments: Jan, £1,127; Feb, £1,127 March, £1,356 April £894 May £844 June £896 July £996 Aug 896 Sept £896 (Total = £9032)

Original scheduled payments: Jan, £594; Feb, £594 March £594 April £594 May £594 june £594 july £594 Aug 594 Sept £594 (Total = £5346)

Payments over/above original schedule: Jan, £533; Feb, £533, March £760 April £300 May £250 June £300 July £400 Aug £300 Sept £300 (Total= £3676)

Interest per day: Jan, £13.41; Sept £7.35

Interest per month: Jan, £415.65 , Sept £227.77

Mortgage balance: Jan, £82,377, Sept £75,953

% of mortgage now paid off: Jan - 8.5% Sept - 15.60%

Payments left - Sept - 131 months

Months still left to shave to keep on target - 27

Sept challenges

Grocery - £118/£120 completed
Petrol - £92/£130 completed - due to one less school run and not visiting home this month still have about £15 in the car too
Clothes - £0 completed
NSD - 10/15 not completed
VSP - £57.70


Extra earned this month:


BP Amazon voucher - £10.00
Dooyoo £50.00
ebay clear profit £75.56
comp wins £40.00

total £175.56


Extra paid out this month

School trips £14.00
Presents in cash £31.00


Surveys stand at:

GTM - 585 /1000pts
Ipsos - 680/1380pts (£10 taken last month)
VO - £8.30/£10
Lightspeed - 280/1150pts (£10 taken last month)
Newvista - £31/£50 (£6 survey not added on)
Onepoll - £26.90

Iris_Blue

I love reading your bumph though !

I think it's amazing how much interest you've knocked off and how much you've overpaid.

£13.41 pd in January to now £7.35 and now all in your pocket, so to speak, and not the banks! :j

What do you do with the money your under budget for eg the petrol do you roll it over to the next month or OP it ? I tend to OP it.

pammyj74

I tend to leave myself with £100 spending money for the unexpected or not budgeted for and anything left over for the following month gets OP'd

Forgot that I get an extra tax credits this month so I can OP another £300 :j :T will post a bit more later as kids late for school

Iris_Blue

£300 how could you forget! That's brilliant!