Mortgage freedom..Shala_moo's attempt at a diary..

shala_moo

Whilst searching for happy/funny things I found this and remembered that I used to have it pinned up at work, I must find out where it's gone..


Oh I wish I was a glow worm,
for a glow worm's never glum,
'cause how can you be grumpy,
when the sun shines out your bum!!

:rotfl::rotfl:

shala_moo

Pay day so pay day shuffle done :j

It's not as exciting as it used to be as my money doesn't show up in some of my accounts straight away, it kind of disappears :eek: it just panics me

Anyway..

• £178 'free' council tax money OP'd - Total extra OP this month £370.42 :T
• another 2 months knocked off the end date:T
• £140 overtime pymt into offset
• annual bill money trf'd to offset
• credit card pymts made

Managed to get my Onep0ll payout yesterday so £40 winging it's way to me in a few weeks :j now starting again - I have 5p :T

Hoping for a snow day tomorrow - we're meant have 8cm overnight :eek:

May be some :snow_grin of these going up tomorrow..

xx

Goldiegirl

Well done on the 1poll payout, it takes dedication to get to the £40.

I'm currently on about £28, I've got to keep going as it'd be a lot of money just to give up on.

Hope you get 'enough' snow tonight!

gallygirl

Pay day so pay day shuffle done :j

Happy payday

It's not as exciting as it used to be as my money doesn't show up in some of my accounts straight away, it kind of disappears :eek: it just panics me

_pale_ Would do the same to me!

• £178 'free' council tax money OP'd -

  :j Yay, I'd forgotten about this :T.

Hope your money turns up in all the right places .

shala_moo

Disappointed this morning.. apparently the snow didn't mean snow at all it meant rain! not quite sure how they can get it so wrong...

Keep going Goldie, will that be one you unsubscribe to once you've got your payment? I think it's easier for me to clock it up as i check the site at work whilst on my breaks.. if you're not on a computer all day i think you miss some of the surveys..

gallygirl wrote: »

Hope your money turns up in all the right places .

me too :eek:


Off to check..

shala_moo

Afternoon all,

All my funds were present and accounted for so all spreadsheets are now reconciled :T

Bit of a spendy weekend this weekend though

• finally booked our holiday to Canada:j so deposit for that
• hairdressers £73
• MOT on car - £170 - there are some bits wrong that need fixing, that's as technical as I get
• £20 takeaway purchased annoyed at the spend and at the weight i'll have put on

The MOT place has told OH that he'll need new tyres soon as well so that'll be another spend, however, he has just informed me he can probably get them for cost through work :T:T that'll be a good saving I imagine..

No spending planned for tomorrow!

beanielou

Oooh happy holibobs soon

HelenDaveKids

Sooooo jealous!!

shala_moo

Thanks for popping in guys :wave:

Holiday isn't until September so a while to wait yet and 3 stone to lose before I go :eek: (or as near to it as I can manage)

I get a bit nervous about going on holidays so I'm anxious more than excited.. i'm not sure why i'm like that! Hopefully by the time it comes round i'll be fine!

OH's car is still at the garage so he's gone off to band practice in my little one, it's quite amusing to see someone 6'4" getting out of a fiat 500 luckily he didn't have to take his amp with him as that's nearly as big as the car or have to fit in any other of the band members - one of which is 6'7!

So i'm stuck in the house watching rubbish movies, which i'm quite enjoying - I like the peacefulness in the house when it's empty..

My planned no spend Sunday is happening as long as I stay away from shopping online :rotfl:

shala_moo

Ooops haven't popped in for ages.. by the time I catch up on everyone etc I don't get chance to post on here!!

Right - second pay day yesterday.. :j so money shuffling done and dusted.. spreadsheets updated and excitingly the mortgage is back under £145k :T:T:T

Dec Monthly figures
Outstanding Mortgage £144,299.46
Family Loan £1,430 (OH's)
Offset pot - £10,583.12
Monthly interest saved and OP'd £47.09
New end date - Aug 2029

Total Debt as present moment £135,346.34 -678.44

I seem to have spent quite a bit this month instead of saving but we had to pay the holiday deposit and my crown so a bit of an expensive month.

The postman delivered our mortgage statement this morning, so that was nice to check up on..

Our overpayments due to the offset savings worked out at £129.36 for 3 months which is great.. hopefully next years will be nearer £1000

Also an MSE morning for me, i'm going to an afternoon tea next week and I have no clothes that fit me well as I've lost a bit of weight so I went wardrobe shopping..

I've now got 3 'new' pairs of jeans, 2 'new' pairs of trousers and a pair of knee high boots for the grand total of £0 :j:j I know they cost me money before but I think they've been in the wardrobe for at least 5 years (tags on :eek:) so i'm classing them as free.

In waiting, I have another 3-4 pairs of jeans and 3-4 pairs of trousers I honestly couldn't tell you why I bought them all!!

off for a cuppa and catch up, hope everyone's well xx