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Lois_E begins a long MFW journey

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Comments

  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You are so right about rest days Lois.
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    edited 2 June 2013 at 12:09AM
    Tax credit renewal form arrived in this morning's post. Will put that on tomorrow's list, I think.

    Logged into Santandr and Ntionwide to see if monthly interest/cashback had happened yet, but it hasn't. Maybe it will happen later today, or maybe tomorrow despite not being a banking day. Will log in again later to check.

    Flyer through the front door for money off first shop with Sainsbrys online, so will try that later today. Have used other online supermarkets so far, but not them, so qualify for the discount.

    Today's list is up and running:
    [STRIKE]Morning: 7 items[/STRIKE] All completed
    Afternoon: 7 items 6 completed
    Evening: 3 items 1 completed
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • skint_spice
    skint_spice Posts: 13,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lois_E wrote: »
    Tax credit renewal form arrived in this morning's post. Will put that on tomorrow's list, I think.

    I just did mine after getting various info together - none of which was required. A tip though if you are doing it over the phone you need to know if you have a white or brown envelope, I had of course taken it out of the envelope and left that in the bedroom so had to run through to check:o
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Thanks skinty. Mine's brown. I'll make a point of remembering that. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    A tip though if you are doing it over the phone you need to know if you have a white or brown envelope, I had of course taken it out of the envelope and left that in the bedroom so had to run through to check:o

    Who develops a system whereby the colour of the envelope matters:rotfl:

    Love writing lists jut to be able to [STRIKE]cross things[/STRIKE] off. Hope todays is going well or even better another rest day to enjoy the sun :cool2:
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • skint_spice
    skint_spice Posts: 13,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ShelleyC wrote: »
    Who develops a system whereby the colour of the envelope matters:rotfl:

    Exactly! I usually take things straight out of the envelope and stick it into the recycle pile, leaving just the important stuff to deal with:D
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    It came in a white envelope, but the enclosed prepaid envelope for sending it back is brown. But it's a silly system. If I tell them my NINO, they should be able to tell which colour envelope they sent me.
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    Exactly! I usually take things straight out of the envelope and stick it into the recycle pile, leaving just the important stuff to deal with:D

    Exactly I'd just opened my mail before an MFW board browse & all the envelopes including any return ones went straight in recycling. No idea what colour any were :D
    Lois_E wrote: »
    It came in a white envelope, but the enclosed prepaid envelope for sending it back is brown. But it's a silly system. If I tell them my NINO, they should be able to tell which colour envelope they sent me.

    Would we be surprised if they couldn't?! Probably a different dept deals with envelopes :p
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Another rest day today. Not that I planned it that way. However, DD wanted to go swimming, so I took her, and wore myself out so much that I accidentally fell asleep when we got home. :o

    Checked Santandr - still no interest or cashback, although I definitely paid in £1000 and had two DDs going out in May. Will see if anything happens on Monday.

    Ntionwide has earned £8.18 in interest this month. Have added it to EF virtual pot. :)

    *Goes off to update sig and then try to go to sleep despite sleeping rather a lot this afternoon.
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Hi don't know if they do it on different dates but I had my interest and cashbck from the Spanish bank on the 29th a massive £8.04
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
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