Ecoelle's MFW Diary

ecoelle

Actual money £27.22 from halifax rewards accounts, ebay, roadkill and topcashback
One Poll £9.15
Valued Opinions £8.45
Ipsos 760 (which is about £5.50)
Crowdology £0
Ebay £0
Vouchers £30.00 1x Marks and Spencer, 1x Thorntons and 1x Capital bonds
Consumer Pulse 8500 (worth £8.50)
Swagbucks 367 (worth £2.16)
Toluna12256 (worth £2.29)
Viewsbank £1.50
YouGov 100 (worth £1.00)
Global Test Market 500 (worth £16.50)
MySurvey 0 (worth £0)
Total £112.27 = £4.15 per day

ecoelle

Onto planning for next year. Thinking of setting a taget for the MFW board, this year i aimed for 1500 over 10 months and managed to hit it, or will have done once i pay Decembers £100 next Monday. I will have actuallly paid an extra £1768.78 off the mortgage this year, averaging £147 extra per month. Pretty good i thought, but £250 of this was a tax rebate, so not sure we'll manage to hit the same amount this year. Thinking of aiming for £1440 which would be £120 a month. The £100 is set anyway and we have it as a regular OP, so it would mean having to find £20 cash a month extra from my MSEing. Not sure whether this is doable, i know i can make £20 a month, but some if this is vouchers, and i'm pretty sure that this would be greeted well at the mortgage lenders:)

My plan is to change the mortgage next April as our 2 year fix rate is due to end, anyone know what date i can get looking? I thought it was 3 months ahead, but now i think it might be 4? If the fixed rate is due to end on 28th April 2013, what's the earliest i can get a new deal in writing that they have to honour?

Hoping that the Co-op will still have a good 5 year fix rate available and if they have think we're going to go for that, we bank with them anyway so should get a slightly better rate, and we're already wth Britannia so should be easy to switch to co-op. Thinking that we might try to shorten the term to 20 years instead of the remaining 23, this way on the new rate the mortgage payments will actually stay the same as they are now, which we know we can afford. Or we could keep the mortgage term at 23 years and we would be paying about £50 less a month on the payments, i quite fancy the idea of shortening the term, but not sure whether it's sensible.

So questions to ponder...

Shorten the term and keep payments as they are now?
Keep the term the same and reduce monthly payments?
How much should i aim to OP next year?

nattypants

ecoelle wrote: »

Manic Monday - Kitchen and Dining Room/Area
Level One
Empty out the fridge, replace what is inside after wiping it out, making sure what is needed first is at the front
Level Two
Wipe down surfaces
Clean floors in these rooms
Wipe kitchen cupboard fronts and kickboards
Wipe down fronts of major appliances (cooker, firdge, freezer etc)
Level Three
Dust any extra furniture in dining area, checking for cobwebs on way round
Wipe & replace small appliances.. kettle, toaster etc (wipe under too, especially the toaster!)
Clean the oven if you missed it last week or it needs it

Extra tasks if you want to do more

• Wipe window sills and clean windows in these rooms
• Clean the dish drainer, make sure you clean under it too
• Clen any 'medium' size appliances, bread makers, slow cookers etc
• Clean out and organize one drawer, more if you like
• Check the freezer, see what needs using up

Ecoelle, my diary reads EXACTLY likes yours..........




on opposite day!

ecoelle

Actual money £27.22 from halifax rewards accounts, ebay, roadkill and topcashback
One Poll £9.15
Valued Opinions £9.45
Ipsos 1060 (which is about £7.68)
Crowdology £0
Ebay £0
Vouchers £30.00 1x Marks and Spencer, 1x Thorntons and 1x Capital bonds
Consumer Pulse 8500 (worth £8.50)
Swagbucks 377 (worth £2.22)
Toluna12286 (worth £2.30)
Viewsbank £1.50
YouGov 100 (worth £1.00)
Global Test Market 500 (worth £16.50)
MySurvey 0 (worth £0)
Total £115.52 = £3.98 per day

ecoelle

Ok, so end of month round up stands like this...

Actual money £27.22 from halifax rewards accounts, ebay, roadkill and topcashback
One Poll £10.35
Valued Opinions £9.45
Ipsos 1135 (which is about £8.22)
Crowdology £0
Ebay £0
Vouchers £30.00 1x Marks and Spencer, 1x Thorntons and 1x Capital bonds
Consumer Pulse 9000 (worth £9.00)
Swagbucks 387 (worth £2.27)
Toluna12331 (worth £2.31)
Viewsbank £1.50
YouGov 100 (worth £1.00)
Global Test Market 500 (worth £16.50)
MySurvey 0 (worth £0)
Total £117.82 = £3.92 per day

Aiming for another £100 by December 31st:)

ecoelle

Hi guys, have a look at this see what yo think...worth it?

http://www.rewardingways.com/members/viewPTC.php?hash=08f213200ccb41616d6f18753b16d0a4&ptcID=264

Mortgage_Reduction_Novice

Them sites always look dodgy to me... until someone (who I don't know) says online that the site is ok and pays up... the irony!

ammonite

Not sure about the site Ecoelle but WELL DONE for your moneymaking ways good luck with your next £100

ecoelle

Thanks guys, i wasn't sure about it, found it as a link from 'rewarding ways' website which i am a member of after someone on here recommended them, but not sure about joining too many different 'pay per click' websites.

Been thinking about the mortgage overpayments and the new mortgage deal.
...

...time for honesty i think...don't hate me...i am on a tracker rate mortgage...for the last two years i thought i was on a fixed rate 2 year deal due to end in April, when i rang the mortgage company on Saturday i found out i'm actually on a variable rate tracker for 3 years...i am ashamed that i didn't realise.

Stupidity admitted...moving on:)

Found a 5year fixed rate at 3.79%, think this would suit us, cheaper than we are paying now so could in effect keep the mortgage payments as they are now and would actually be OPing £115 every month instead of £100, so just by doing this we could set a yearly target of £1380, but with the £10 per month bonus from the Halifax account i could pay the normal mortgage payment of £555, then increase the standing order to £125 per month, which will mean we are actually paying £680 a month off, this includes the £15 a month saving we get by switching mortgages, and the £10 from the Halifax account. If i could make £20 a month extra then i could pay a flat £700 each month but i'm not sure about making that much in actual cash. I think i could do it in vouchers maybe, but not cash. We'll see.

So at the moment i'm going to aim for £125 OP each month so it will be a yearly target of £1500

We did manage more than this this year but next year i'll be getting less holiday pay than this year due to the way they work it out and also i would prefer a realistic target which we'll hit then revise if we need to rather than missing the target by miles.

Right off to check the survey sites then bed is calling as back to work tomorrow.
x

ammonite

Don't feel bad about the mortgage, its just good that you realised now. Does that mean you can leave your variable now or are you tied in for a while longer?