I'm going to do a diary too :)

gerbiljo

Had an ok food shop yesterday of £32, have become slightly distracted from keeping to budget lately and not sure what we've spent over this month. We seem to have plenty of food though so hopefully we wont need to be buying expensive stuff next month.

Went to the farm today with our membership cards so thats free and was really pleased with the free bonus print card for hubby from our daughter. I found on quidco if u signed to mypix you got some cashback and a mini photobook for just the postage so I have done one of those too with all our daughters favourites things in it so she can have that for her birthday in a few months time.

I've been concentrating more on the surveys. So were on YouGov, which i will just try and sign in to once a week as I don't get emails anymore. Lightspeed and Valued opinions though not had much from them yet. One poll which I will try and check once daily. Finally Ipsos which email me and I discovered I had some points so going to persist with this. Seem to have £10 in my shopping scanning too so anything that helps out at xmas is good.

We bought some house plants the other month which were tiny and they're spreading so I've potted them separately so I might try a few home made presents at some point.

We have officially used up all our xmas smellies- shower gel etc, so 6months of use is pretty good!

So not assuming much excitement next month, owe my sis a bit from the balastrading posts, going to give hubby some money to top up his ISA, plus my sisters 30th.

Hubby is second in the fantasy football and the pizza shop owner is top, grrrrr it'll take a miracle to get a free pizza this week, hopefully he can catch him up next week!

So hoping next month to get to £87700 so doubt theyll be any extra payments except for on pay day yay, not long now, that should allow us a good chance of hitting £85k for end july/beginning august. Grrrr to the 5 week month!

pammyj74

Im the opposite I like a 5 week month as I get paid weekly

I too have not really kept an exact count of grocery budget other than its about £70 lol

gerbiljo

pammyj74 wrote: »

Im the opposite I like a 5 week month as I get paid weekly

I too have not really kept an exact count of grocery budget other than its about £70 lol

Ooh yes that is good, tho saying that for some weird reason I did get more in april which they said was due to the extra week tho thats never happened before! Will budget for the lower salary and anything more is a bonus.

Roped hubby into a survey the other night which was specified for him haha, he wasn't too keen as it took him ages and hes had another one sent through!

I've just been naughty and reserved a rug in argos which is half price.... have wanted it for a while so it feels like a bargain that way, will speak to hubby tonight about whether to get or not, we could do with one as we only have tiled floor and its nice to sit on the floor and play a game etc.

I 'aim' to spend £120 a month for food but its often more like £150 I think tbh... Hopefully all the veggies will kick in soon!

Feel like I havent made an overpayment for ages

earn 20p on onepoll surveys today but declined a lightspeed one...

gerbiljo

yay payday tonight!
Think will be bobbing around 88k this time tomorrow! Had a really bad run at work again so this payday has really got in in the nick of time.

Bought the rug...

Hubby has had a slight payrise so the extra he is going to use to start topping up his ISA so less for me to push that way so feel this months target is pretty realistic.

Surveys- keeping on top at the mo, not keen on lightspeed or valued opinions they always decline me! Surely my profile should hint whether I might be ok to take it? Anyway, Im liking onepoll, seem to get about 20p a day in a very short amount of time, so might just do that and the ipsos one... Will give the others another week or so!

My windscreen got chipped the other day and I forgot and now it is a large crack, so could of done without that...

Nothing else exciting going on, will update tomorrow

gerbiljo

Pay Day today!

My boss does it different now so it seems to go in lunch time so no rushing to get excited first thing in the morning.
So today is the day we pay most off, so transferred £2140 today, monday hubby gets paid so will be able to add the extra £100 and then the monthly pay out will come thursday and we should go into the 87-something stage, i predict we should pay off just under £350 with our payment.

Current balance £88160 so total pay off since maternity leave ended (Aug) is £29421, wow so should just make the £30k mark by the end of this month.

No gotta survive the next 5 weeks...

clearmydebts

gerbiljo wrote: »

Pay Day today!

My boss does it different now so it seems to go in lunch time so no rushing to get excited first thing in the morning.
So today is the day we pay most off, so transferred £2140 today, monday hubby gets paid so will be able to add the extra £100 and then the monthly pay out will come thursday and we should go into the 87-something stage, i predict we should pay off just under £350 with our payment.

Current balance £88160 so total pay off since maternity leave ended (Aug) is £29421, wow so should just make the £30k mark by the end of this month.

No gotta survive the next 5 weeks...

Wow - you are doing so well!

gerbiljo

Thankyou!

Dug up our first lot of potatoes today, which meant somethings could be crossed off the shopping list! Some are really tiny though so going to make some gratins and freeze them. Still should be yummy tho and we have 6 plants to still come up.

Hubby has been requested for a snack survey with our our shopping scanning, I have signed him up and put reminders on his phone and a guide in his wallet so hopefully he will keep it up.

Hubby has fallen behind in the fantasy footie too so not sure we'l be getting any free pizzas!

Have had to spend lots already this weekend...

gerbiljo

Hubby has been paid! So £100 off the mortgage today, this should take us to about £87700 once payment comes off thursday. Will update thursday.

gerbiljo

Mortgage payment out! I've over paid another £8something to get a nice round figure.

Monthly payment= £457.51
Interest= £106.34
Daily interest= £3.54
Money off balance= £351.17
Over payment this month= £2548something

Might try and do a comparison next month as I would of been back at work a year to see how much difference we have made. Total pay off in the last year £29781

Next month would like to hit £85000, need to scrape another £100 to do this which may or may not be possible, hubby is allowed to do overtime again now so I have requested that he try and aim towards the £100 :rotfl:

Quick landmarks- my loan is now under 20k grrrrr

gerbiljo

Off today.
Had a lovely meal in ASK with a MS voucher followed by a trip to the farm with our season ticket, so not too expensive for a family day out.
Just been to ASDA and did a £26 weekly shop which is good but we didn't get much...The prices have really gone up so might head back to sainsburys next week with our vouchers!
Surveys seem to be going better, need to find some time to look into toluna I think.