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would love to be mortgage free!
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I'm really struggling to keep warm today. However, J'raff is at my mums so I can study, so I'm determined not to put the heating on in advance of when it would normally come on. As a result I am fully clothed, wearing my dressing gown and fluffy slippers, with a hot water bottle on my feet which are also wrapped in a blanket, with my slanket over me, sipping a large cup of hot chocolate, and considering learning Spanish so I can emigrate to warmer climes! :rotfl:
Have been resisting the urge to obsessively check my ebay items every 5 minutes, so coolly checked them this morning to discover 14 of 30 have bids with between 1 and 3 days remaining :T :T :T :T including a couple which I was worried wouldn't sell at all, so quite chuffed about those.
Anyway, back to the grindstone... currently reading about the history of cog psych... *yaaaaaaaaawn* hope everyone is well today
Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.0 -
lol... I suffer from the cold too. If you are home on your own a lot, it might be worth buying an electric radiator? I bought an eco-friendly one from Dimple, which doesn't have oil in it so it's easy to move around the house. Although it's not terribly large, it keeps the largest room (in my admittedly small flat) nice and cosy and I am very glad I made the investment as it saves me constantly turning radiators off and on when I'm working from home.Borrowed £150,000 in an offset tracker mortgage in May 2007 - MFD May 2041 (67)
Jan 2012 - £125,620.02 / 2,913.87 / Nov 2032 (58) :beer:
Apr 2012 - £122,901.88 / 3,170.91 / Jul 2032 (58)
Jul 2012 - £122, 589.02 / 3,507.99 / Sept 2032 (58)
Oct 2012 - £120,476.31 / 3,889.42 / July 2032 (58)0 -
That's the problem Sepa - usually I am not. Our youngest likes to be "at one with nature" :rotfl: and she's only 2 so the house has to be kept warm in case she randomly appears with no clothes on. This is why my gas bill is £85 a month! :eek:Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.0 -
So. Just checked my online banking after transferring some money from paypal. Sold the remaining plants from the garage tank, and have transferred the money into FD eSaver so now have £89 in the New Tank Fund :T
Was pleasantly surprised to discover our joining incentive was also paid in today :j at this stage I'm unsure what to do with this. I'll have to look at my spreadsheet to see whether I can add it to the OP pot, or whether it should stay and add towards our buffer.
Two eBay items ended today, one didn't sell though, so I'll wait until the next free listing weekend and list it again. However the one that did sell has paid already and is collecting this evening. Something that has been bugging me for a while has been solved too. Someone bought something from me before Christmas, took ten days to pay and never showed up to collect it. I got a message from them yesterday saying they've changed their minds, so I'll list it again. Why do people do things like that?Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.0 -
Just had a catch up with your diary
Am also slightly addicted to ebay and get really annoyed by time wasters. Never had paying and not collecting, normally just not paying!
Good luck with your MFW journey
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Evening Caz, I must admit I find eBay really frustrating. We sold some stuff once, to mainland Europe, warned the guy it was going to be mega expensive as they were study books, and then he complained when he was charged the postage (even though we had quoted) and raised a case against us. This ensured DH was extremely grumpy and if I recall, we never sent the books and he never paid - so irritating on many fronts.
Night, Tilly x2004 £387k 29 years - MF March 2033:eek:
2011 £309k 10 years - MF March 2021.
Achieved Goal: 28/08/15 :j0 -
I do find certain aspects of selling very frustrating. The whole bidding but not buying is annoying. But mostly I hate when someone leaves neutral feedback for something stupid. I once sold a jasper conran boys top, and the buyer left a negative saying it was too old. ????

I always weigh items for postage and I largely refuse to post outside the UK. Mostly though it's the fees I find annoying. 20% now they take off you! :eek: and when you add on the 3.4% plus 20p for paypal... if you sell for 99p you actually only make about 40p of it. It's just not worth it. Hence why I'm now only listing on free weekends and listing at a level where even with fees I'll still be happy with the price. I'd sell on the local fb group except it's so busy that you have to bump your item every hour for it to actually sell.
It'll be worth it once I've got rid of all the junk, and have hopefully accumulated enough pennies to buy Lumpy some new bedding for his birthday as well as buying the man-wife his birthday present in March (which I shall not name as sometimes he reads my diary and I want it to be a surprise)
Anyway that's enough rambling. Except one last thing. I hate having to buy presents or give cash to children at birthday parties. I don't expect presents from my kids friends, and I hate the idea of wasting money on tat for their friends, but I don't carry cash as standard unless I have a purpose for it like bus fare or paying the milk man. The whole thing annoys me. Bloody stupid ritual. *grumble grumble grumble*Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.0 -
So, eBay sales have gone well today. Two items went for rather a lot more than I was expecting. Obviously now I've to wait for all the payments to filter in, but I think after postage and fees I'll have perhaps £45 in the pot. Watching some Transformers bedding for Lumpy, which ends in about 3 hours and the rest I will stash to spend on the man-wife. Also picked up a new (to us) bike for Squish-pot for a grand total of £12, but believe it or not she still has £40 birthday money leftover from July, so the bike will come out of that. Only issue is now I gotta figure out a way to pick it up! :rotfl:Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.0 -
Hi cazzie:wave:...looks like you have been making fab progress!! :T very impressed with ebay sales....I sell stuff on amazon but really can't be doing with ebay....seems too complicated for me!!!:rotfl:
well done on the bike too :j my kids were always great with their bday money.....they decided they much preferred pleading poverty and spending mine!!!:rotfl:Mortgage 12.12.12 £55842 12.12.13 £42716 14.12.14 £28837 13.12.15 £25913
Mortgage OP £50/£600 House Fund £420/£50000 -
Yes mine are the same. She asked for money for her birthday as she wanted to buy a flute... this didn't end up happening as she is starting off learning recorder and piano, and will progress onto the flute in a year perhaps, but that meant she had a bunch of money - she chose herself a music stand and bag, plus she bought herself some clothing. Then she ran out of things she wanted so the rest has just been waiting for us to find a bike she liked. We've arranged to collect it tomorrow afternoon so after a quick check over she should be able to ride it to school on Monday. She's been riding every day and putting it in the rack, locked up with the lock she got for christmas. I'm pleased with how she's handling her money considering she's only 7 and a half. Long may it last *proud mummy face*

Having put the figures in my eBay spreadsheet, apparently I shall have £52.86 profit from my sales, perhaps more if the 3 that finish tomorrow get more bids. I'm actually really pleased :j :j :j
Tomorrow's plan:
water change, get all these ebay bits bagged and tagged, pick up bike, roast chicken dinner
happy weekend! Rule 7: If you're not changing it, you're choosing it.
MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
MFW 2022: 1 Jan £85579.20 ~ OPs on hold.0
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