We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

I STILL want to be mortgage free - 2011!

1…8485878990…104

Comments

  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 4 September 2011 at 1:44PM
    HOME
    1. Clear out anything we don't need.
    2. Talk to tax people about deductions in my tax.
    Random Tasks
    1. Tent train Belle.
    2. Finish dissertation - I can see this one being put off!! Ha ha.
    School
    1. [STRIKE]Write Memory SOL.[/STRIKE]
    2. Write Personality SOL.
    3. Write Stereotypes SOL.
    4. Write Research methods SOL. Adding in as I go.
    5. [STRIKE]Plan lessons for C2 (new). Lesson timeline/equpiment orders done, just need to sort out my ppts.[/STRIKE]
    6. [STRIKE]Finish stuff for Psychology wall display![/STRIKE]

    Tutoring List
    1. [STRIKE]Buy SIM for tutoring Ordered free one.[/STRIKE]
    2. Set up email account
    3. Sort business cards
    4. [STRIKE]Sort accounts spreadsheet Already started this one but am struggling abit.[/STRIKE]
    5. Finish terms and conditions stuff
    6. Look at and consider a business bank account
    Do I need a separate account for tutoring or can I just do it through my normal bank account? I'm confused.com.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    edited 24 August 2011 at 1:58PM
    What the.....? How many posts can one woman get on her diary in two days??? It's taken me ages to catch up. It all sounds as though you're going great guns. In particular, I hope the tutoring things works out brilliantly for you.

    ETA No need to apologise. I didn't mean it as a criticism. :o
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 24 August 2011 at 3:27PM
    :rotfl: Sorry, I've been using this as a sounding board as I've had a new thought about tutoring for the most part. Another question though...when I did MS I claimed £10 for home office use. How much is reasonable to claim for tutoring? I'm not actually tutoring at home, but I will do all my prep here, this will take considerably more time than MS ever did. Thoughts please?

    EDIT: I know you didn't...and if you did :p :rotfl:
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • summerday
    summerday Posts: 1,351 Forumite
    Hi Twinklie. Glad you're so motivated to get tutoring. I only do primary and usually at my house or the kids houses so not very similar, but when I first started I came across this webpage with some general tutoring tips and advice, some of it you may find useful, here's the link just in case:
    http://www.hometutorsdirectory.co.uk/TutorGuide.html
    I try to keep a basic spreadsheet that I update regularly with costs I incur such as buying books, and keep all the receipts.
    Yesterday is today's memories, tomorrow is today's dreams :)
  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Oddly found that webpage yesterday...thanks for passing it on though. Do you have any insurance? Public liability etc? I didn't even think about the cost of buying any books....Doh! I made myself a pretty comprehensive spreadsheet for accounts - I am a proper geek on that score though. How do you advertise summerday?
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • summerday
    summerday Posts: 1,351 Forumite
    No, I don't have any insurance. For advertising I have a very small website, and have placed a few simple ads in shops etc, got some work with agencies too though am not so keen on ones that take commission.
    Yesterday is today's memories, tomorrow is today's dreams :)
  • pavlovs_dog
    pavlovs_dog Posts: 10,219 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    before splashing out on insurance it could be worth reading the fine print of your home insurance policy with a fine tooth comb. Many policies include all sorts of legal cover that you don't ever realise you have. Whilst I doubt you'll find public liability cover on there :p, you may find it covers other bases. As you'll be tutoring on school premises, maybe the school's policy would cover you? :think:

    on a related note, if you'll be using a laptop, is it covered away from home?

    might be worth getting in touch with your union (or at least visiting their website) so see if they can throw up anything you haven't already thought of. I imagine there'd be a fair bit of info on the TES forums too.
    know thyself
    Nid wy'n gofyn bywyd moethus...
  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Cheers ma dears. Yup my laptop is covered...I know this because it's something we had to check through when sorting insurance for DH when he was moving away. I'm not going to get insurance anyway - I don't even have any clients yet. But I have got as far as ordering a free sim card. GO ME!
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • katsu
    katsu Posts: 5,029 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    twinklie wrote: »
    But I have got as far as ordering a free sim card. GO ME!
    Did you remember to do it via a cashback website? :D
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • twinklie
    twinklie Posts: 5,184 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Yup! :D

    Kids did VERY VERY well with their exam results! I'm a very happy bunny. My nephew also did a fab job and has got on to his course at college! :rotfl:

    Had to fork out for MOT on car today though...but it passed. :-)
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture