Benbenandme's Coffee Shop ... All welcome!

spendtoomuch

hi benben I read your diary every day but have never posted. I have started my own diary today, been inspired by all you lovely people! I won £25 on Bingoport today with the free fiver, very pleased.

pixiechick99

Thank you both....on my way to try now!!:j

pixiechick99

Have just deposited £5, then £20....and the lovely bingo site have added £30 in bonus money So kind;):D

benbenandme

has it let you withdraw though Milly?

Hello Spendtoomuch, welcome and please keep posting

pixiechick99

Ah...it's letting me withdraw £53 - so that's including the £25 I've put in tonight...not bad tho:o Enjoying the roulette - must get off;)

spendtoomuch

thanks certainly will do, need all you lovely Mse people to keep me on track x

benbenandme

Okay, time for my new year update ....

I've updated my signature already, everythings in place now I think for the new year plans, so here goes with a rundown of whats in store:

Firstly, heres the old signature so I can look back at where I was at the end of 2009,

Mortgage Challenge 2009 pt. 2: £3534/£4920
MFD = [strike]Dec 2034[/strike] Dec 2022 .. Aim Aug 2013
1/1/07:£122k, 1/7/07: £60k, 1/1/09: £50k
1/6/09: £46k

The mortgage challenge target (£4920) was the amount I would need to find to reduce my mortgage to £41k. Originally at the start of 2009 I wanted to reduce it to £42k so even though I didn't make my new target I did manage to beat my original one Currently my mortgage is standing at roughly £41,500 :beer:

My new target for the next 12 months sees me wanting to reduce the mortgage down to £32k. This means I am looking to shift £9,500 off it which is a huge amount in comparison to my income. I have thought a lot about how to do it and it gets broken down like this:

• Regular mortgage payments = £2300
• Regular monthly overpayments = £2400
• £10 a day challenge = £3650
• Other payments = £1150

Okay, a bit more info about some of these; the £10 a day challenge gives me a manageable bit to aim for each week. This money will be made from the usual things like ebay, surveys, mystery shops, car boot sales, matched betting, bingo, quidco etc.

The 'other payments' includes one-off things such as birthday money, cashback from my mobile redemptions, some of the money from my parents for xmas, any other odd unexpected bits that come my way

So, once again its going to be a big challenge, but once again I'm feeling all motivated at the beginning of a new year I have got £37 to last me now until the start of the new year. We dont have any extravagant new year plans and I'm hoping my money will last till then Any questions about my plans please ask, any suggestions please feel free to chuck them my way

benbenandme

The money thats already showing in my signature is £100 of my parents xmas money and the £20 I won on bingo the other day. Anything else I make before the new year actually starts will go into the 'other payments' category so I can track the £10 a day one from Jan 1st

hypno06

Happy Happy New Year benben, and I am sure that you will reach your target with ease x

spendtoomuch

WOW benben you have done so well. Once my debt has gone I am going to attack the mortgage, currently on interest only, shameful!!