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Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary

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  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    V lucky, only need around £120 to knock a month off :j.

    Ok - question for you all - would you say anything if you were shortchanged 3p? I went into Poundstretcher to get some little bits & pieces for a charity shoebox Xmas thing at work. Bought some things, including a book reduced to 1/2 price from £1.29. I wasn't given it 1/2 price so went back in - assistant gave me 62p & I said it should 65p. She said 'for goodness sake, it's only 3p' to which I replied 'yes, and it might as well be in my pocket' so she reopened the till and gave me it with a scowl. Would you have bothered?
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Yes I would have bothered as it was your money and it has helped her with some maths :)
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Radish72 wrote: »
    it has helped her with some maths :)
    :rotfl::rotfl::rotfl::rotfl::rotfl:

    DS says I should have said 'if 3p is worthless I'll have an extra 3p then :D'.

    TBH I think it was the fact she thought 9 divided by 2 was 2 that annoyed me more than anything :eek:
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Payoff from savings plan arrived, 3.5k. straight off btl mortgage, 22 months knocked off, a fraction under 6 years in total knocked off since last Sept :j. Realised yesterday that annual mortgage statement is due & got ridiculously excited - dk why as I know what it will say :rotfl:.

    Have got 2 sets of tickets for paralympics - swimming & athletics :D. We have a good chance of 'medalling' (hate that word!) in both sessions & Oscar thingy metal legs guy should also be running. V chuffed :T.

    However, that means they need to be paid for......in the past 6 weeks I have booked loads of flights & bought joint pressies on 3 different credit cards, some flights are me & Mr GG, some are with friend (who has already paid). All 3 bills come out in a 2 week period from 2 different bank accounts, with various amounts of personal & joint spends. What a mess! I think I have sorted out what I need to do, but need to think carefully about order of transfers etc (have 1k in & out of Halifax to factor in as well!) otherwise the offset will be overdrawn & don't think that is allowed :o.

    Sorted out other finances yesterday, wrote letters, sent cheque to Spain to pay for painting of nice shiny apartment :), made changes to will etc. Today I need to phone airline for Jan hol to see if I can book extra leg room seats (oh no, another ccard transaction!) and phone Jessops as new camera has dreaded white screen of death :(. Really annoyed as have ebay listings to do :(

    Ebay brought in around £56 :T, but one person has still to pay as waiting on new bank card. I have withdrawn +£30 and will lift the rest once that is apid, plus a top ending tonight, selling at 99p (6th listing, was on its way to charity shop :cool:).

    Cleaner on holiday :eek:, but £48 being paid to mortgage instead :T (I need to actually make payment. Have put in spreadsheet and as it didn't knock month off have lost interest in it :o).
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    gallygirl wrote: »
    V lucky, only need around £120 to knock a month off :j.

    Ok - question for you all - would you say anything if you were shortchanged 3p? I went into Poundstretcher to get some little bits & pieces for a charity shoebox Xmas thing at work. Bought some things, including a book reduced to 1/2 price from £1.29. I wasn't given it 1/2 price so went back in - assistant gave me 62p & I said it should 65p. She said 'for goodness sake, it's only 3p' to which I replied 'yes, and it might as well be in my pocket' so she reopened the till and gave me it with a scowl. Would you have bothered?

    What an attitude that girl had! Surely it was also in her best interest for her till to balance? I imagine she probable threw the 3p at you aswell.
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    CathT wrote: »
    What an attitude that girl had! Surely it was also in her best interest for her till to balance? I imagine she probable threw the 3p at you aswell.

    There was a 1p sitting on the side & I was dying to say 'you won't mind if I take that then' but didn't have the nerve :)
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    gallygirl wrote: »
    There was a 1p sitting on the side & I was dying to say 'you won't mind if I take that then' but didn't have the nerve :)

    Oooh you should have taken it :)

    If you want to donate the £48, send it my way, it wont knock a month off my mortgage either but I'll have it, I'm very interested
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Radish72 wrote: »
    Oooh you should have taken it :)

    If you want to donate the £48, send it my way, it wont knock a month off my mortgage either but I'll have it, I'm very interested

    Thank you for your interest, I am afraid the item has already been taken :)
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • shala_moo
    shala_moo Posts: 3,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    gallygirl wrote: »
    There was a 1p sitting on the side & I was dying to say 'you won't mind if I take that then' but didn't have the nerve :)

    too funny...:rotfl::rotfl:i'd have loved to be stood in that queue.. imagine her response, the snotty evil stare you'd have got!

    Well done on the amount of stuff you got done y'day.. i only wish i had the same motivation.. :o i blame the tv and the internet!! I have Friday pencilled in for "admin" i'm hoping i find something more interesting to do first!!
    Mortgage amount at 31/12/2011 £166,050 now £0 as at Sept 21 - 15yrs 4 months early.


  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    :oOops :o. Hello all :wave:.

    Been a manic few weeks so have been missing in action. Quick update:
    • Payday today :j. Includes around £850 bonus :T. Which is already spent on car insurance etc :o.
    • OP of £229.20 sent to NW to pay off BTL. Will knock 2 months off :j, but can't pay at the mo as my internet is down (am on work dongle) and don't have NW details on this lappy :doh:
    • Finances all v complicated at present. 3 different ccards due for payment in next 2 weeks, from 2 different current a/c's, all with some of my spends and some joint/house spends. Has hurt my brain trying to sort it all out, but think it is done :)..... apart from -
    • [STRIKE]Any idea what the £167.56 is on my current a/c spreadsheet? No, neither do I[/STRIKE] :o. Oh, scrap that, personal spends on 'house' ccard which I had already accounted for :cool:.
    • Have paid around £100 off BTL before today, but it didn't knock any time off :(, however with the payment above I have now knocked over 6 years off it in 15 months :T
    Main other news is Mr GG's mum had a bad fall last weekend (bad cut to head, 11 stitches, so wide you could see skull :eek:_pale_). Poor old dear is nearly 88 but still in good form, well, still feisty I suppose I mean ;). Still in hospital, and Mr GG stayed up here will Weds am instead of Sun pm, cue cartwheels round the car park when I dropped him off at the station Weds :rotfl:. Nothing seems to be happening with regards to getting her home, will see what today brings :).

    Happy Friday everyone _party_
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
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