TPAs It started off as a 2009 NYR - time moves on - I need to be MF by mid. 2012!

Mortgage_Reduction_Novice

I don't think it's mean... if you don't get enjoyment out of the extra channels then it should be from his spends.

I also had a no spend day today (but used a lot of electricity stripping wallpaper!). And still no alcoholic drink since new years eve. You know, reporting my drinking on your thread has made me realise that I'm a classic sporadic binge drinker - I can go weeks without a drop with no cravings, I can even go to parties, dinner out and clubbing without drinking. But when I do drink, I drink way in excess!!! I think it was the 5th Jan before I stopped feeling hung over after new year's eve!

Tesco_points_addict

Mortgage_Reduction_Novice wrote: »

I don't think it's mean... if you don't get enjoyment out of the extra channels then it should be from his spends.

I also had a no spend day today (but used a lot of electricity stripping wallpaper!). And still no alcoholic drink since new years eve. You know, reporting my drinking on your thread has made me realise that I'm a classic sporadic binge drinker - I can go weeks without a drop with no cravings, I can even go to parties, dinner out and clubbing without drinking. But when I do drink, I drink way in excess!!! I think it was the 5th Jan before I stopped feeling hung over after new year's eve!

I'm more of a little but often girl! I cannot remember the last time I drank so much I felt really ill....actually yes I can, drinking Cava with my Mums best friend who is in her late 60's!! But its not something I do regularly, but I could easily have a few glasses every night:(

TPAx

SmlSave

LOL, it means we have 70% of our outstanding mortgage in savings, so effectively if we wanted to we could pay of 70% of our remaining mortgage, however as our interest rate is so low on the mortgage, faniancially we are better off leaving it in higher rate savings for the time being.

Congarts :T I bet you're really chuffed

I've been bad with my AF challenge. I'm fine all week and then Saturday comes..............

Tesco_points_addict

Ok heres a January round up.

Personal spends went well!:-

ME: £6.39 half an oil burner n body sprays (Blooming BShop sale!)
ME: £5.99 hat (it's snowing you know!) and a calculator - no excuse to not add up spends!
ME: £3.86 book - Lost dogs and Lonely Hearts
DH: £4.50 half an oil burner
DH: £4.50 food!!!!
ME: £34.70 clothes and toffee!!
ME: A Real Sunday treat - Newspaper £2
DH: £10 lunches in work, £3 tea money £10 pants!
ME: Magazine 68p Total for January £53.62
DH: Sponsorship money and hair cut £16.50 Total for January £48.50

Mystery shopping has been fairly busy.:D
Tax return done - this involved lots of chocolate and swearing:(
Alcohol challenge went badly:mad:
Petrol/Diesel spends were a lot less than anticipated, will go on a three month average for these I think.
Got my car serviced for free:j
No takeawys! Thats is such an achievment for us!!

---

February:

Already spent £20 of my personal spends:eek: Haircut.
Hubby has spent £3 on food at work:mad:
I will do better on my alcohol challenge:rotfl:
I have already completed three mystery shops this month:j(yep three today)
I have lots of family birthdays this month:eek:
Its valentines day in less than two weeks:eek:
Oh dear February seems likely to be an expensive month:mad:.

TPAx

setmefree2

Tesco_points_addict wrote: »

we have broken through the 70% barrier!:j

TPAx

nice milestone :T:T

Tesco_points_addict

SmlSave wrote: »

Congarts :T I bet you're really chuffed

I've been bad with my AF challenge. I'm fine all week and then Saturday comes..............

[STRIKE]Yeh, you go girl!! [/STRIKE] Sml you are so naughty..tut, tut.

TPAx

setmefree2

Tesco_points_addict wrote: »

Oh dear February seems likely to be an expensive month:mad:.

There is no council tax this month and it's only got 28 days so it's a good month

Tesco_points_addict

setmefree2 wrote: »

There is no council tax this month and it's only got 28 days so it's a good month

Ermmm,,,,,we pay ours over 12 months:eek:

I've just had an email from Quidco telling me they have sent me a payment of £6.66 yep 666...do you think they are trying to tell me something?:p

TPAx

sweetserendipity

setmefree2 wrote: »

There is no council tax this month and it's only got 28 days so it's a good month

And for the first time ever, I've put what would be my usual Council Tax payment into a [STRIKE]rubbish, but I'm working on it[/STRIKE] savings account!!

Thanks for explaining the 70% offset, TPA, now I know what it means, that is bl00dy good going!! Well done!! :T

Tesco_points_addict

Thanks for explaining the 70% offset, TPA, now I know what it means, that is bl00dy good going!! Well done!! :T

Aw, thanks:o

I cannot believe that I forgot to put 'no takeaways' into my January round-up:T
Managed one Mshop and an extra shift yesterday. Am having a quiet day today..'normal' days work only. I really must have a dig around in the freezer and see what we are going to have for tea tonight.:p

I had some very strange dreams last night (which is good as it means I was asleep at some point!). In one dream my old neighbours had parked outside our front door in a van and 15 or so 'SKY' salesmen piled out of it with a load of big plastic advertisement stuff and promtly put it down the side of out house before going off and trying to sign up all the neighbours to SKY.:rotfl:. No if any one can explain that to me you are battier than me!!!!

OK, see you all late off i'm for that freezer rumage!;)

TPAx