Mortgage-Free Fresian? Here's hoping!

Footiemad_2

Hi F_F

Sounds like you have all been having fun talking bags. Ooooh they are all gorgeous...but alas, not looking at such a big treat just yet

Well done on the savings for it though.

Your bag will be extra special knowing that you saved hard for it.

Hope Mr F is doing ok.

Have a good week chick. x

mooomin

Review of my day so far:

I made it to the Post Office to send the cards I needed to send. Walking up that hill wasn't fun, but has meant that I've earned more activity points. I've done 3.5 miles today in total, although that does include some pootling about in the house too. WW-wise I've had a good day, lots of fresh veg and chicken which was nice.

I currently have 19 items for sale on Ebay (removed one when a FB friend asked to buy it ) Five of them have bids already and a total of 9 of them have watchers, so I'm hopeful that I'll sell some bits and pieces.

Nothing new in terms of MFW today, just earned some more SB and have put some small change into my pot. I need to head to the supermarket tomorrow as despite having been twice today I still haven't been able to remember that I need washing up liquid :rotfl:

Off to bed with my library book now. I'm back at work tomorrow, which I'm not thrilled about, but it's been good to spend a week off relaxing. Night all

Footiemad_2

Well done on the activity points F_F

I have managed 3.69 miles today thats with playing netball too.

Well done on a good WW-day too. x

mooomin

Morning folks,

I had a rotten night's sleep last night, mainly because I know I'm going back to work today I think.

It's three days until payday and this is the state of play:

PAD/Spends account - £19
Entertainment - £23.45
Groceries - £23.19

I do need to get some fresh veg and some washing up liquid today, but that's about it unless I find some bargain whoopsies. Whatever is left on payday I will send to my credit card, which is a little higher than I would like this month due to buying trainers and tickets for the Fringe Festival. I do have overtime coming this month too, but think I'm going to have to dip into my savings to pay it off in full. Humbug!

No mortgage OP today as I'm still waiting for my last one to leave my bank account. The Sainsbury's account I opened doesn't allow Faster Payments, which is a pain in the bum.

Nowt else to report really, Ebay bids still sitting at £11 which is fine with 5 days to go. Looking forward to five o'clock already.....:rotfl:

never_too_old

Morning ff
have you looked at the coupon thread, if you look at the first page in the super savvy me bit you will see printable coupons for fairy washing up liquid and many many more things, all the money you save could go into your padding and op the mortgage.:D

mooomin

l.m.hart wrote: »

Morning ff
have you looked at the coupon thread, if you look at the first page in the super savvy me bit you will see printable coupons for fairy washing up liquid and many many more things, all the money you save could go into your padding and op the mortgage.:D

Good plan :money: Sadly I can't get onto the Supersavvy website from work so had to bite the bullet and spend my whole pound :rotfl: I also got some lovely fresh veg which I had with my dinner tonight, and I'll eat the leftovers cold as part of my lunch tomorrow.

I got an email through confirming my lastest £5 voucher from SB and I'm only 200 points away from the next one, which is good. I had no luck on OP today - only 30p. I have £6 in there at the moment, so it's a loooong way until payout!

Nowt else to report really apart from one of my cats having decided that his new favourite game is chasing birds into my living room. One managed to escape yesterday (only because I locked the Damned Cat in the bedroom) Today's bird had to be rescued as it kept trying to fly through the kitchen window. I hope the cat quits this habit, my nerves can't take it much longer :eek:

I'm knackered now, so I'm off to bed with my laptop to watch last night's Case Histories and spend some quality time with the lovely Jason Isaacs Nighty night!

mooomin

£2 sent to the OP pot this morning. I will have around £11 in there when the payment finally arrives. 8 SB earned from searching, their dailys aren't working for me in the morning at the moment, so I'll do them after work. Nothing in OnePoll so far today, maybe after work.

I've made pasta this morning to take with me to work with some zero points sauce and some veg on the side. I'm also loaded up with fruit and WW snacks to stop me getting tempted It's going to be hard to earn activity points for the next few days as it's lashing it down and isn't forecast to stop anytime soon. I will have to do laps of the office!!

Best get moving - work calls. Have a good day everyone

whizzing

Hi Fresian - glad to see you have successfully moved to a new home on here. Can I just ask - if your mortgage rate is so low, would you not be better saving in a high interest rate account and then paying off your mortgage at the end, or one payment every couple of years? Most people wouldn't have the discipline for this but I expect you would !!!
I never got any olympic tickets and have lost interest now so think I will just give the whole thing a miss and just watch it on TV. Are you and your friend going to spend your olympic money next year on something else?

scubaangel

Hey fresian, just been on one poll myself, there are a few surveys on there to try. I've been having problems with the sb dailys too but they seem to be ok again today.

mooomin

whizzing wrote: »

Hi Fresian - glad to see you have successfully moved to a new home on here. Can I just ask - if your mortgage rate is so low, would you not be better saving in a high interest rate account and then paying off your mortgage at the end, or one payment every couple of years? Most people wouldn't have the discipline for this but I expect you would !!!
I never got any olympic tickets and have lost interest now so think I will just give the whole thing a miss and just watch it on TV. Are you and your friend going to spend your olympic money next year on something else?

It's something I was thinking about, but I quite like the satisfaction of seeing the balance reduce. I'm currently making my small OPs into a savings account anyway and then reducing the balance of the mortgage when I feel I have enough money in there - there's only £16.80 in there at the moment, so it will take a while :rotfl:I'd be interested in hearing what everyone else thought about this anyway. I suspect I would still make my smaller payments into the savings account and if I had a lump sum e.g. more than £100 I would probably pay this directly to the mortgage....

Now for the money news:

Ebay

19 items being sold
11 with watchers
5 with bids totalling £12.30

My money

PAD/Spends - Zero (Payday tomorrow)
Groceries - Zero (Emptied to go towards outstanding credit card bill)
Entertainment - £23.45 (Trying to keep a balance in here due to impending Fringe/Book Festival)

£5 payment made today into the OP savings account which isn't bad for the day before payday I have a lump of overtime in my pay tomorrow, but that's going to have to be put towards my credit card which I have let creep up this month with Fringe tickets, trainers and a couple of bargains on Ebay. Hopefully I won't have to dip too far into my savings account to pay it off in full.

Quidco is finally showing that there's enough money confirmed to withdraw - around £4 - so that should be coming to me soon. I have £7.62 sitting in my Amazon account too thanks to my last SB voucher. I'm trying to be good and build it up to use for Christmas, but I'm too easily tempted :rotfl: My OnePoll balance is £6.15 so there is a long way to go before payout there!

Better get ready for work now - got to cook lunch quickly too! Happy Hump Day all