Pay off mortgage and start having fun!

themadvix

Happy New Year New Girly!

Your plans sound somewhat stretching... it was all ok in my mind until you got onto the 20 things on top of all the money saving! :eek: Good luck! That being said, ebaying is your friend, as you know!

Octobergirl

I’m liking your to do list newgirly..... I shall come back and get motivated when I start feeling despondent about mine:)

newgirly

You are right there vix, very stretching! I promise to update monthly on the full list though in the hope I might do some of it :rotfl:

Hi octobergirl, good luck with the list but I’m not sure I’m the best bet for motivation

newgirly

Gosh it’s much busier than usual on the mf board lately, that must be a good thing

No spend day today, a lazy day bar a few hours cleaning. Have watched the new Dracula which I loved along with dd. Made a homemade low cal pizza with nan bread - my cheaper version of the m&s extra thin one I used to like buying when on a diet, but my version is a lot cheaper :money:

So with the 20 things in 2020 in mind this weeks pledges are:

- monthly date with dh, get this out of the way nice and early :rotfl: I’m thinking cinema as it’s such a ridiculously frugal month and we both have unlimited cards. Along side, drum roll......a coffee in the garden centre :rotfl:

- growing edibles, already bought a pot of basil at mr t yesterday and have not killed it yet if getting coffee at the garden centre will have a mooch about for ideas nice and early.

- eat low cal and track on Mfp again, 1500 calls a day, have already put the brakes on the chocolate/mince pie / biscuit eating fest today.

- investigate free you tube videos for at home fitness suitable for a lazy unfit 44 year old (that are not the shred, I’ve done that and I’m never doing it again).

That’s enough for this week I think

newgirly

Just applied for hsb@ accounts for dh and I, looks like dh is accepted so fingers crossed £175 bonus and I’m hoping to be offered a different one which hopefully a £75 bonus. Have switched the hali accounts that we currently feed through as only minimal monthly bonus’ through those now.

Going to take the bags of clothes to the cash place today, then taking mum for a coffee and hopefully getting some of the four birthday presents needed for January.

£6 overpaid - rounding down then flooring budget to a neat figure!

newgirly

On a roll today! We have also now applied for a new cc, currently I use my nationw@de one that gives about £25 cashback a year (on my previously too high spending ) so I’ve gone for a tesc@ one that offers club card points but more importantly offers 24 months 0% on purchases.

Strangely we have been given a huge £14 k limit, which is good because the plan is to do all my £560 pm grocery/petrol etc. spending on it and just pay the minimum every month for two years. The money that would have paid it in full will be stashed away in the offset to reduce interest payments on the mortgage for two years (stoozing basically) and then withdrawn and paid in full in two years.

This should create a £293.70 saving I believe (bar the minimum payment element savings), not a massive amount for the hassle but money saving is my new part time job

But of food and medicine spending in £1land today but still under budget

Moneyfordreams

I would love to switch my bills account for rewards. (Un)fortunately DHs wages get paid into my account. I don't want that to be compromised and him having his wages paid to him … That's my cost for keeping hold of my control issues His erm difficulties with bank accounts should be over by now.

newgirly

Hi mfd’s, I’ve not switched the main account but had two current accounts in each of our names with just 2x direct debits on each set up (actually one has one and a £1 standing order to myself!) they were opened for the monthly bonus and it’s those I’m switching.

Could be worth opening in the future just so you can switch, you don’t usually need to pay wages in just feed through a minimum amount pm.

South_coast

Hi MFD's, newgirly is right, just set up an account with a bank that's not offering any incentives at the moment (Martin keeps a list on the main site), transfer a couple of direct debits and standing orders to fund it (whatever the bank you want to switch to is asking for) and then you're ready to switch away. You don't need to have had the account for any length of time to be able to switch it. Keep an eye on the offers and be prepared for a LOT of post that will make your head spin, but it's an easy way to make money. I think I got about £560 when I did it a few years ago, you could get double if you and DH both do it

Sorry for the hijack NG!

themadvix

You sound like you’re really on it NG!

Re fitness stuff, we’ve just started using the Adidas app - it has a variety of workouts and is all free. Think the one we’re doing is called 3 weeks to fit - I can’t see that we’ll be there in three weeks but at least it’s doable- I hate it when the basic level is unachievable!