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Hurdler's Race to be Mortgage-Free
Comments
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Sounds like you are on it Hurdler! :T:T:T
Did you catch the Statoil Masters? I really love it actually and is good fun.M3 Dec2015 #160 Target £150,000 (BU £155000)0 -
Sounds like you are on it Hurdler! :T:T:T
Did you catch the Statoil Masters? I really love it actually and is good fun.
I didn't - I had a week off although I knew people who were going. I was knee deep in finances, filing and trying to remember if there was ever a spare bed under a mahusive pile of paper in the spare room!
But I saw some tweets and it looked like a lot of fun this year.- Mortgage @ March 2008: £194,965 ; Lightbulb Moment: July 2011: £164,926; End Date: March 2033
- MORTGAGE FREE: September 2015
- MSE 1p Savings Challenge 2024 #50: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec = £223.84/£671.61
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Can't beat a bit of Henman and Rafter to take you back!
Best match was Goran and Pat though (in terms of tennis only)
Missed all the legends matches unfortunately due to TV scheduling.
Yep, my spare room was the same as well a couple of weekends ago. I don't know how it's possible to accumulate so much paper sometimes!M3 Dec2015 #160 Target £150,000 (BU £155000)0 -
Yep, my spare room was the same as well a couple of weekends ago. I don't know how it's possible to accumulate so much paper sometimes!A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effortMortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"0 -
Gawd I had to spend ALL of Sunday archiving all my stuff and I still have a humoungous amount to shred!
Ohhh just had a chat with my frenetic boss... I am being pushed up the chain of command and getting a payrise for the tennis writing contract.- Mortgage @ March 2008: £194,965 ; Lightbulb Moment: July 2011: £164,926; End Date: March 2033
- MORTGAGE FREE: September 2015
- MSE 1p Savings Challenge 2024 #50: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec = £223.84/£671.61
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Great stuff :T:T:TA 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"0 -
Go Hurdler!!
MCIMortgage Free x 1 03.11.2012 - House rented out Feb 2016
Mortgage No 2: £82, 595.61 (31.08.2019)
OP's to Date £8500
Renovation Fund:£511.39;
Nectar Points Balance: approx £30 (31.08.2019)0 -
OK - so I have now paid myself all my expenses up to Novermber.
Now, if B@rclays haven't done away with my sweep-save mechanism, a chunk of dosh should dump itself into my savings account allowing me to start the year with a 3x overpayment.
I went back and read the bobbins and it states it has to be OVER 3x to trigger the relaculation. So I suspect it will be a 3x +1p which I am sure won't affect my spreadsheet house too much!
I work out that I have about 3 months of 3x overpayments after my flurry of invoices.
Why do you not pay it all off in one go, I hear you cry?
Well the nature of freelancing/contracting means that from next year, my "salary" will go down quite considerably as I wind down the IT side to just little bits of pocket money.
So I think it's prudent to keep a stock of cash around just in case and see how things pan out - I still don't know what my payrise will be... so at the moment my sums are purely on my current contracting salary and any small bits of IT writing is just a bonus.
Just need to do my Christmas cards at lunchtime and get them posted now!- Mortgage @ March 2008: £194,965 ; Lightbulb Moment: July 2011: £164,926; End Date: March 2033
- MORTGAGE FREE: September 2015
- MSE 1p Savings Challenge 2024 #50: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec = £223.84/£671.61
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A little off-topic but jeez I just need to vent!
Last week I had a former colleague (but a home owner) stay - who was irritating in that he changed the confiuration of my lights in the front room so he wouldn't get blinded when watching TV but at least turned off lights etc.
Then this week I kindly put up my cousin's two sons who are studying in Newcastle. They leave the lights on EVERYWHERE and just play constantly on their laptops, leaving them plugged in. They hogged the broadband and then one that wanted to come and visit has barely said two words, playing constantly and complaining about the slow broadband speed.
Needless to say I will not be allowing them to stay again... especially as I *was* going to just order in a pizza and trimmings for their last night, and I ALMOST went and bought one and extras from the supermarket yesterday - very relieved I didn't as they texted last night saying "We are not coming back for dinner" and I had to remind them to get back to the house at a decent time as I have work. Then the older brother asked me how was the pizza and if there was any left so I told him that with them not coming back I just cooked something for me instead. He looked surprised!
Thank **** they are going this morning so I can fumigate the room (student boys are not the most pleasantly fragrant, if you get my drift).
NEVER allowing them to stay again. Or maybe I am just too set in my ways... oh dear I might turn into a cat lady soon then... 'cept I'm allergic to cats.
:mad::mad::mad::mad::mad:
BUT it has set me to thinking - I am sure some peeps work out how much electricity they use - is there a handy tool to help me track? I typically have a large screen laptop for work, my Home PC for livestreams of matches and the TV and sky on in th study when the tennis season is on so I would love to track how much that uses a day...- Mortgage @ March 2008: £194,965 ; Lightbulb Moment: July 2011: £164,926; End Date: March 2033
- MORTGAGE FREE: September 2015
- MSE 1p Savings Challenge 2024 #50: Jan, Feb, Mar, Apr, May, Jun, Jul, Aug, Sep, Oct, Nov, Dec = £223.84/£671.61
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OMG! How rude are those students? You've every right to be angry. If my boys behaved like that at someone else's house I would be furious. It's bad enough that they even try that behaviour at home.
It's def worth getting an electricity usage meter. The impact having my partner live with me (and his two boys when they visit their dad) had really been visible in my bills. The electricity companies often give them away for free so worth asking them first.0
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