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Our attempt at being MF!!

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Comments

  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
    Cath I am also not getting much sleep (well not as much as I need!) so I have total sympathy with you!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thanks EG. I'm hoping it will pass soon!!

    Ebay was a bit rubbish but have made about £12 profit. Did a post office run today and was waiting on one payment who has paid this evening! Typical but i'll post it after nursery run tomorrow. Trying to decide what to do with this money, it needs to go off CC but I feel like I haven't made an OP for ages. :o Got a payout from Superpoints again so that's another £6.15 in the pot (wherever it may end up!!) Almost at payout on Onepoll too so I will definitely OP that as it is such hard work on there and i'm wondering whether to restart as I doubt I will keep up with many surveys when I go back to work.

    Have done a quick SOA based on figures from when I return to work and it makes for pleasant reading! :) All bills, petrol and food costs can be covered by my wage which leaves CB and CTC spare which we will save as you never know when they'll be stopped and most of DH's wage free so can make some brilliant OP's! :j
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    Hi cath, I rang them yesterday and they wont take into account WTC from what he told me so I dont think I will be switching any time soon. thanks though.

    I go through stages of onepoll, I am at £32 so not long to payout but I just keep forgetting to check it. I just dont have time for surveys anymore but want to get to payout on onepoll being so close. If I finally get an iphone then I can keep up with it on the go while waiting for the kids etc.
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi Pammy, I got your message but was without a laptop most of Monday and Tuesday and meant to email you off my phone. Saw on your diary you've decided not to switch. You'll be mortgage free soon anyway!

    Manic morning here and forgot to post parcel and almost time to pick up dd, baby sleeping so hoping I have time for lunch. Have presents to wrap but think i've left them in the car!
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • pink_poppy
    pink_poppy Posts: 2,235 Forumite
    Part of the Furniture 1,000 Posts Photogenic Homepage Hero
    Certainly does sound busy there, hope you managed to get something to eat!!

    Can I ask a quick question re. FD ~ did you have to pay solicitors fees on top of arrangement fee & valuation??

    I was looking at the website yesterday & it looks like rates have gone up since you applied :(
    'A watched potato will never chit'...
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi Pink Poppy, I have paid £173 valuation and £499 arrangement. As far as I am aware I have no other charges to pay. I'm just waiting on the legal team now to let me know it's all been finalised. I have no idea how long this will take, survey was just over a week ago.
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • greent
    greent Posts: 10,836 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just finally caught up on your diary, Cath - well done on the progress!

    Superpoints sounds interesting - I don't usually bother with surveys etc as the rewards often don;t seem worth the effort. I wouldn't mind being referred for SP, though, please ;)
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Redeemed Onepoll today so that's another £40 headed my way. Redeemed again on Superpoints too this week (quelle surprise!!) so that will be in my Paypal account tomorrow and I'm on track to redeem again this week!!

    All has gone quiet on the mortgage switchover, I am literally just waiting to hear from legal team when completion will take place.

    Sold a few items on ebay but not for a lot but at least they are decluttered! My mum has given me a couple of bags of food as she is moving house and making space/emptying cupboards etc so I don't need much shopping this week now!
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    A better ebay day! Just waiting on payment for an item sold on Sunday (yet today's buyer has already paid) and i'll do a post office run tomorrow and request paypal funds.

    Requested Superpoints money £6.19 as that has just arrived in paypal. Cashback from car insurance renewal (£67) has confirmed on TCB so hopefully that will be paid out soon, it should be saying the same in DH account too.

    After reaching payout on Onepoll yesterday and almost at payout on Mysurvey i'm wondering whether to reduce/be more selective about the sites I do? I return to work in 3 months and simply won't have the time but will be earning good money in my full time job. I think I tried to 'up the ante' with surveys during my maternity leave whilst my income has been a lot lower.

    Other than that, still getting no sleep and have had a headache for 3 days!!
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    http://superpoints.com/join/40y8v4

    Referral code for Superpoints available, worth 25 points to us both.

    I NEED to remember to tax car and renew my professional subscription this week.
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
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