Need to face the Music

LouiseJ

Mortage free in 3 challenge starts today, which means to stay on track right at the start I need to send a £600 overpayment off this month and really need to keep a track of our spending.

I have had a few thoughts............

we are paying £32 for MPI which is only on OH wage and to be honest I doubt would pay out anyway as there was a run of redundancies when we took out the cover and OH job was "at risk" for a while.

We have savings enought to cover the mortgage payments for 6 months should the worst happen and I will still have a job so on balance I reckon that the £32 would be better spent paying off the mortgage.

I will be putting no money at all aside for Christmas and Birthdays as I am determined to make these money neutral by Matched betting/selling etc I have a seperate bank account for additional income

After the big holiday is paid for in May then as with presents, no money will be set aside for holidays as I intend to make them money neutral by saving clubcard vouchers, I shall put a little aside for spending money.

I must get back into completing surveys as this has really slipped this year.

3 years time this will be me............:dance:

jinky67

sounds like a good plan to me Lou:T:T

how are you today?
did you get the FB thing sorted?:cool:

skint_spice

Sounds fantastic - just in time for the sprogs to go off to college/uni and cost you a bloomin fortune:D! but you'll feel really rich once that's over.

LouiseJ

jinky67 wrote: »

sounds like a good plan to me Lou:T:T

how are you today?
did you get the FB thing sorted?:cool:

Have a really bad cough but I am getting myself out the door tonight for a Christmas night out:beer:

Off to see Mam and Brother in a bit, both need some TLC

Brother had to have another minor op on his eye yesterday and Mam has had a recall for a 2nd mammogram after something showed up on the one she had last week. BC is so high in our family (Grandma died at age 47) so it is like a black cloud over the women in our family.

Our family really could do with a turn in the tide of luck with health lately, we really could.

LouiseJ

skint_spice wrote: »

Sounds fantastic - just in time for the sprogs to go off to college/uni and cost you a bloomin fortune:D! but you'll feel really rich once that's over.

Thankfully I have 2 policies maturing for the boys in the years that they are due to go to uni, also a nice little amount of savings for them so they will get that and thats it:D

jinky67

LouiseJ wrote: »

Have a really bad cough but I am getting myself out the door tonight for a Christmas night out:beer:

Off to see Mam and Brother in a bit, both need some TLC

Brother had to have another minor op on his eye yesterday and Mam has had a recall for a 2nd mammogram after something showed up on the one she had last week. BC is so high in our family (Grandma died at age 47) so it is like a black cloud over the women in our family.

Our family really could do with a turn in the tide of luck with health lately, we really could.

:lovethoug:kisses3::kisses2::iloveyou:

skint_spice

Hope things go ok for your mum, can't be an easy time for either of you but fingers crossed.

LouiseJ

jinky67 wrote: »

:lovethoug:kisses3::kisses2::iloveyou:

Thanks Jinks

I got the FB thing sorted too:D

LouiseJ

skint_spice wrote: »

Hope things go ok for your mum, can't be an easy time for either of you but fingers crossed.

She has managed to speak to a BC care nurse and she says that on the risk assessment scale she is still very low and it could possible be a small cyst but of course they need to check it out, either way it is so small that it could not be picked up by examination so whatever it is it can be dealt with swiftly.

Still could do without it but of all the outcomes this is one of the good ones I guess.

jinky67

LouiseJ wrote: »

Thanks Jinks

I got the FB thing sorted too:D

You can block his email addy as well, if you feel the need;)