I STILL want to be mortgage free - 2011!

gallygirl

So, I decide to watch Dr Who for the 1st time in YEARS and who's the baddies :eek::eek::eek::eek::eek::eek::eek::eek::eek: - the only Dr Who baddies I was ever frightened of :eek::eek::eek::eek::eek::eek::eek::eek::eek:.

I want my gran & grandad, they used to protect me

gratefulforhelp_2

They are pretty cavalier with babies - can tell it's written by men.

twinklie

Right so a busy day for little twinklie. I was teaching all day, but period 3 had my year 11 chemistry class....and 17 visitors. The local Mayor and all his people! :eek: Fortunately we were doing alkali metals so it looked pretty impressive and it was quite a good lesson if I do say so myself.

Then after school I had to go to a pupils house to have an initial consultation about tutoring. So from Thursday I have my first tutoring client...woo hoo! So thats a bit of extra cash each week. Yey me. Secretly hoping for a second pupil, but should probably run with just one anyway whilst I get used to it.

DH is also well on with his rugby coaching now and it getting £82 per week tax free for it and is also LOVING IT!!! So thats pretty cool. The only downside is we think his tutors/supervisors are trying to get him to quit by being really difficult. He's not happy doing his PhD at all, he's hating it at the minute. One of his supervisors sent him an email that even I thought was BANG out of order. If I had my way he'd be putting in a complaint, but he won't (yet) because he wants to see how it plays out a little more. And on the flip side of that....I'm LOVING my job at the minute. It's just awesome!!

EDIT: Need to get a business bank account now and update my tutoring spreadsheet!

twinklie

2011
Mortgage at start of January: £36,429.83
Overpayments in Blue.
Interest in Red.
Balance in Green.

Month: Payment (Std / OP) / Interest (per day) / Net reduction / Balance

January: 450.00 (328.81 / 121.19) / £163.63 (£5.28) / £286.37 / £36,143.46
February: 450.00 (328.81 / 121.19) / £162.34 (£5.80) / £287.66 / £35,855.80
March: 450.00 (328.81 / 121.19) / £161.05 (£5.20) / £288.95 / £35,566.86
April: 450.00 (328.81 / 121.19) / £159.75 (£5.33) / £290.25 / £35,276.61
May: 450.00 (328.81 / 121.19) / £158.45 (£5.11) / £291.55/ £34,985.06
June: 450.00 (328.81 / 121.19) / £157.14 (£5.24) / £292.86/ £34,692.20
July: 450.00 (328.81 / 121.19) / £155.83 (£5.03) / £294.17/ £34,398.03
August: 450.00 (328.81 / 121.19) / £154.50 (£4.98) / £295.50/ £34,102.53
September: 450.00 (328.81 / 121.19) / £153.18 (£5.11) / £296.82/ £33,805.71
October: 450.00 (328.81 / 121.19) / £151.84 (£4.90) / £298.16/ £33,507.55

Totals: Payment / Interest / Net reduction.
Grand Total: 4500.00/ 1577.02 / 2922.29

Balance outstanding: £33,507.55

twinklie

My spare Orange mobile has bust, so I now have no mobile phone for tutoring! Argh. I don't want to buy another or to keep swapping between sims in my phone. Just looked at buying a cheap mobile phone, but it means adding a £10 top up minimum with it, I don't really want to do that either. Don't think I know anyone with an old Orange handset and charger that they no longer want. None of my mates have ever been Orange which is why I initially moved away from them....although I have moved back to them now with my main phone.

ARGH! Everything just turns into something more complicated.

twinklie

DH should be home in just over 14 months! Woop Woop!

[Deleted User]

Hey twinklie! Good news on DH coming home , is he sticking with the Phd for now? sounds like the supervisors are bein a bit of a nightmare!
Glad your job going well tho - how is the new role going aswell ?
Boo on the phone may be worth seeing if anyone has a spare /old one or whether you can unlock an old one (then you could put an orange sim in it I think)

Lois_E

twinklie wrote: »

DH should be home in just over 14 months! Woop Woop!

:j:j:j:j Sounds good. What's the plan, and how do you know it will be 14 months?

twinklie

Because that's when they stop paying him! Ha ha.

New role is going well thanks. It just feels like a title for not very much if I am honest. Its just extra admin! Although I do feel like I could do with more recognition for my Psychology work, but whatever...swings and roundabouts. LOL

twinklie

I've done 2 lots of washing. Cleaned the yard, bathed the dog and marked my yr 11 coursework. Can't decide if that's a productive day or not!