Jumping aboard!

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Some good news - I'll have more left in my business at the end of this year than I thought. That'll give me the option to either hang on for a bit longer maybe or come out with something. Right now it looks like I could pay off my mortgage alltogether but there will be more costs before we wrap it up so I'm sure it won't be that good! But imagine!!!
If I did pay it off - its £300pm ( with current OP level) easier to live with no job! OR I keep the money and carry on paying the mortgage. Paying off would save about 3 years of interest which appeals - have to go and work out how much that would be but its over £2k......:eek:
Ach. No point in getting excited - I have to sublet this place first and various other nasties.
Hope I can get something out though.

So - apart from that. The long haul to payday starts again. I've got about £20 to spend on next weeks shop which is tight but I'm a maestro at that these days! Plenty in the freezer too so 101 varieties of mince or salmon coming up. Its the wine I miss......;)

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Why is it that the closer you get to paying off a debt, the more frustrating it feels? A whole year of really going for it and I'll have paid off over £5k in total - mainly tax credit OPs so can't complain - but its been a hard slog.
I've 3 months to go and it feels worse than at the beginning. Wierd.
Payday can't come fast enough so that I can get the highlighter pen out and strike a line through again.
As of next Friday I will owe under £1000 in all - excellent :j
Just want them gone. Savings are mounting too so its all good. I could just about clear one with the other but I like the idea of the savings being there and all is 0% debt so no biggie really to spread it out.
I have, however, wished my way through this year from one payment to the next - I must stop that soon or I'll be 80 and wondering where my life went.

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Scratched my way through the weekend. Painting and gardening - cheap at least!
Loads of tomatoes and chillies in the greenhouse but all very green and I think they'll need to come inside to ripen - pesky scottish weather. I'll hold off for another week.
Electrician back off his hols this week I think so hoping to get the few wee electrical bits done then its gutter repair.....always something needing done - like to get these bits done before the winter. So another tight month coming up. Surprise surprise - but I'll stick to my plan - £400 off the debt and £300 to savings. :A Then suffer!!

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It was chucking it down last night. Was waiting for something to leak or fall off.
Ok so far - but I must get that gutter fixed.....

Payday tomorrow and a nother step closer to my MF dream. These are very small steps obviously but 2016 isn't that far away I keep reminding myself. This time next year I have £5K coming available - with interest of 3 years. I'm going to enjoy that day and paying it into the mortgage. I've dreamt of it for two years - only one to go!! :j

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Emergency pot at over £2K now and debts at under £1K - that's more like it!
Mortgage at £29,223 I think - I get a statement in Dec and hope I've overestimated - my spreadsheet isn't quite the same as their calculations but close.

Have been buying DDs birthday pressis a bit at a time - helps to spread the cost and tesco have a 2 for 1 offer on disney DVDs - exploited that one. Not getting much as she's had her 'big' pressi.
Party bags sorted and other party stuff about to be ordered. Her birthdays not for a while but I can't leave it all till Nov or Christmas becomes a struggle.

I have a meal out on Saturday!!!!! Not been out for dinner for over a year........how sad is that??

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Am going to increase my tax credit OP amount next month so that I've only two payments left - rather than let a small bit carry over to Jan. I'd like all debts gone this side of Christmas - that'll be the best present for me! If I'm frugal this month I'll manage it fine - its another £50ish each month.
I can see interest going into my savings account - 60p this month but at least its free money!!

Discovered an unopened bottle of Chanel perfume in the cup'd - should get a few bob on ebay for that - more to the savings - not that ebay money ever makes it here - just seems to end up getting me though the tight spots and with gymnastics and swimming classes to pay for this month - I know where that'll end up going. Still - keeps me in the black.

I have an overwhelming desire to go on Deal or no Deal - is that strange? Watched it at the weekend - I hate gameshows but I REALLY want to go on that one!! Maybe I need help

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Phoned the tax credit people and its coming down faster than I thought - I think they're taking a bit off my monthly tax credit allocation for this year or something - so the good news is that the OP stands at £422 - which from £2700 is pretty good since Christmas!! :j Two months to go - yessssss. Its been a tough year but I'm glad I've hit it hard.

This month looks worse than I thought so ebaying has stated in earnest again. Its been great for seeing me through. I have a toy sale on Sat too so will hopefully make a few quid there - that fluctuates from £20 to £120 but I'll start marking stuff up tonight. I need to see myself through the month without going into overdraft so I'm Ok for birthday and christmas months. Oof. I think I've become fanatical in my MSE ways!

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Hmmm.
It looks like my SVR went up from 2.99% to 3.99% and I wasn't notified! Maybe they don't have to. Certainly no idea when it happened - it was still 2.99 in May when I last spoke to them but website now says 3.99.
I've worked out that to cover the fees on changing to a fixed rate the rate would need to increase buy nearly 4% before it was worthwhile. I am however twitching and my spreadsheet maybe wrong.
MY PRECIOUS SPREADSHEET!!!!!! :eek:
Can't bear the thought of my dates changing. Maybe I should increase my OP whilst I can. I have definitely developed spreadsheet OCD.

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Checked my rate with Coventry BS and its still 2.99% - strange as its not what their website says but who's arguing? Thought I was on a SVR so would have gone up but I'm not complaining!!
Unfortunately my spreadsheet is adrift by £127 in the wrong direction - not sure why. Not the end of the world but thats almost two months OPs so I need to fiddle with my spreadsheets again.
I've been looking online for the ultimate spreadsheet site but there are so many.........a rainy day exercise that one.

Poor DD feeling ill today but packed her off to school - bad mum.
Another huge load of ebay items to put on today - the novelty wears off quick but I need to raise a min of £100 to pay the electrician (guestimate) so I'm keeping at it - should manage OK - tedious exercise though.

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£50 made at the sale and £70 so far on ebay - I may get to £100 so thats great.
Spent too much in the supermarket but should still have enough for the electrician.
Got DDs birthday presents to get and party to pay for.....urgh.

3 weeks till payday and we're away one of those weekends so that'll cost. Better get more outgrown stuff onto ebay then.....;)