Baby steps to being mortgage free

Baby_steps_2

Its a new office and has some lovely new showers, like I said lets just see how it goes:D

Baby_steps_2

Well another quick update for you. I had an offer through the post for a 0% balance transfer from virgin onto my exisiting card. As I had nearly maxed out my 0% purchase card from barc card I was considering transferring part of the balance but the 5% handling fee was putting me off. So before I did it I thought I would try increasing my barc limit and (drum roll please)..............


I managed to increase the limit to £7000, so have a bit of extra 0% spending before I finish my stoozing spree. Overall I reckon I would have made a nice little bit of extra by earning interest on my savings instead. Easy money I say:beer:

Baby_steps_2

Hi guys,

Well I have had even more good news this week. I applied for single persons council tax allowance and back dated it from November when the ex moved out, I wasn't sure how long they would back date it for and they have agreed so i got a £145 refund:j:j

I guess this proves its always worth trying your luck, and as I haven’t got motivated to sort a lodger out I thought I may as well just apply for the allowance.
In other news I finally got the TV licence renewal through, so the refund amount almost exactly covers the amount of that which is great. I’m not quite sure how I have done it this month but seem to have been pretty good with money. I have come in well under my food budget which has been a massive help. I think the Tesco vouchers that I had before xmas have finally made their money back!!
I have also managed to finally fill my ISA allowance for the year. The first time I have ever achieved this so I'm dead chuffed about that. I have also put aside an extra £100 ready for a holiday and £50 towards Christmas and gifts for later in the year.
So all in all a good month for me. Its nice to see things are finally paying off:D See the stats below.

Baby_steps_2

Mortgage – 162,150.68
CC (0%) – Oct 856.62, Nov 2215.01, Dec 2964.59, Jan 3565.95, Feb 4255.98
Savings – Oct 901.51, Nov 1730.10, Dec 2975.84, Jan 3915.26, Feb 5017.57
Net amount owed – Oct 162,105.79, Nov 162,635.59, Dec 162139.43, Jan 161801.37, Feb 161389.09
Month change – Oct -44.89, Nov +529.80, Dec -496.16, Jan - 338.06, Feb -412.28
Overall change – Oct – 44.89, Nov +484.91, Dec -11.25, Jan -349.31, Feb -761.59


Plus other savings of £185 for Christmas holidays etc............

gallygirl

That's a fair old whack this year already, well done & yeah to nice CTax people :j

InaPickle

Look at you Baby Steps - not bad going at all!

Keep up the good work. I shall have to take a leaf out of your book as you've been a good :money:er and I have been rather naughty as of late!

SmlSave

Well done Baby Steps

cha97michelle

Yay - i love seeing a good plan come together (even if it isn't my own. )

Well done. Hard bit now is keeping the ball moving, but you are showing you can do it without a lodger too. Great news.

Baby_steps_2

Hi guys,

Hope everyone is well. After the good performance last month I've had a bit of a slip with the shopping this month. :eek::eek:

I have bought a few gifts ready for mothering Sunday & my mums birthday in April. It have also bought a birthday present for the ex, its his 30th and I felt like I should get him something so got him some golf lessons from a groupon offer.

I also had a bit of a food shop blow out at the begining of the month but should be able to get that back on track by the end of the month as I shouldn't need much more now.

I have managed tog et back into doing some surveys. I magaed to get a £2.25 on VO yesterday so that takes me over £10 mark so able to get a voucher from there. HAd a good day on onepoll as well and finally over the £20 mark. Halfway there!! I need to get back into Toluna as could do with another Debenhams voucher!!

Now off to catch up on everyones elses diaries:D

pammyj74

well done on your surveys. I have been slack this week after a good few weeks and redeems, I havent even bothered with bingoport which I always do. Toluna has been the only one I have definitely kept up with and am waiting for pts to clear to order my third voucher this year.

I need to get my mum something still as her birthday is April 1st so two pressies for one weekend Have had a look around but still no clue.
Are you still close to your ex now?