Pix's aims, dreams and reality

Lois_E

pixnmix wrote: »

oh dear. I really need an alarm clock on this diary to remind me to update. Having said that, nought much to update except...

i got paid today...... Woohoooo !!!
And
remortgage got approved today, woohoooo 2 !!!

spoke to my mortgage broker today and he said i need to return the solicitors info needed but that's a formality. I've missed february changeover but no matter. I have to wait till march but then i aim for 5th gear in sorting the op kick start

the balance transfer 0% on new cc is now all done and payments will start from mid feb. Aim to pay off £40 then and set up dd to do that every month until the loan is cleared. After that will cancel the card

can i just say to my diary pals on here...please stay safe and warm this weekend. It's chucking snow down here again. Xx

:T:T:T:T:T:T:T:T:T That's great news!

pixnmix_2

Thanks Lois
Gettin there bit by bit

Lois_E

Bit by bit is all most of us can hope for. Speaking as one of the veeerrrrry long long-haulers, I can only say I HAVE to believe that little steps are worth taking, or it would all be completely demoralising. But it's true, they are. On Monday I shall be able to knock another month of my MF and mortgage-neutral dates.

nattypants

pixnmix wrote: »

Thanks Lois
Gettin there bit by bit

Absolutely brilliant news Pix :beer: AND when the thaw happens we can be the first scouring the streets for all those dropped pennies in the snow. We'll be rich I tell you! RICH !!!!:D

Lois_E wrote: »

Bit by bit is all most of us can hope for. Speaking as one of the veeerrrrry long long-haulers, I can only say I HAVE to believe that little steps are worth taking, or it would all be completely demoralising. But it's true, they are. On Monday I shall be able to knock another month of my MF and mortgage-neutral dates.

Hurray for Monday lois:T

pixnmix_2

We?? we????
I'm locking you in the house Natty. Those pennies are MINE, ALL MINE!

pixnmix_2

Just done my money balance (a day earlier than planned) to get it outa the way and also cos I'm going to co**co later to get a few bulk buys. I only go there once every few months and limit the spend to £100 (loo rolls on offer, large jars of couscous for lunches etc), so I don't feel guilty about the spending really.
I use an excel spreadsheet OH did for me, to do the balance thingy and it's really good. It tells me what I have available after all direct debits instantly and when I put in a spend in one column it updates the amount available. It's a godsend and I really don't know what i'd do without it.

I'm aiming to reduce my overdraft by £300 this month and am on target to do that. Plus overpay the mortgage by at least £200 and am on target for that too. If any unexpected bills come in I can buffer with my savings so all sorted.

T**co credit card is in credit and I now plan to start using that for my petrol from now on, paying off in full on payday, so I get Clubcard points. Setting up a monthly DD too in a minute for the new card which will be 12th of the amount owed, so by end of the 0% period it will be paid off and i'll cancel it

I am soooo glad I had my lightbulb moment, even if it did dim for a few months last year !!!

pixnmix_2

Good morning diary and what a lovely sunny one it is

Went to Co**co yesterday as planned and spent £61.00. Loo rolls (andrex no less!!) were £12 for 45 rolls on offer (that's 5 packs of 9). Got my couscous big jar and 2 mahoosive tomato ketchups that were on offer too. Went to T**co and did quick addups, which showed the savings were very nice indeed ta very much
The other shoppers must think i've either totally lost it or living on the breadline. Picture the scene.. short, blonde middle aged woman stands in T**co with other shop's receipt and calculator in hand for half an hour working out weights and prices, while OH records the findings on the mobile Ah well, i'm happy. Added to that a £25 T**co shop to get yellow stickered bits and stuff on offer and I'm pretty much sorted for the month's groceries. Apart from fresh food - milk, bread etc.

Right, off to town to exchange a pandora charm that DD asked me to do and after making a big pot of soup for lunches and pudding for tonight's tea I'll be back to get more inspiration and smiles reading diaries etc

pixnmix_2

Update and a whoops alert!
I have been out and spent £22 I wasn't budgeting for. I really am not an impulse buyer but....
Went into pa**ora to exchange the charm and did't see one DD might like so paid an extra £10 for a red glass one with pink hearts. Then, went to B*dy S**p to get some body butter to keep at OH's house for when I stay there. Saw a couple of other things and bought £41 of stuff...but only so I could get the O2 priority moments offer of spend £40, get £20 off. So, £7 over budget as I had only planned to buy the butter at £13. living between 2 houses though, I usually forget to pack something and I do use the body butter a lot so..got enough of all my toiletries for both houses for half the price Add to the mix that OH wanted to go into a discount bookshop, I bought 3 new paperbacks for £5. Should have been £24 for the 3 so a real bargain!!

Other activities have included stocktaking OH's 3 freezers. Yep, 3!!! He won't need to go food shopping for at least 2-3 months!! He has a thing about YS foods, but i've now banned any more of those for the forseeable

Also, and best of all i've recalculated my first potential mortgage OP for new mortgage.... £479! :T Decided to carry on the OP plan, instead of clearing the overdraft, which i can do out of my salary, cos interest rate is higher on mortgage than the bank charge

That'll do for now...**polishes halo**

nattypants

That's a brilliant MOP pix:T I think you should be forgiven today's extra spends (which were all bargainitious spends really).

Enjoy the halo wearing:A

pixnmix_2

Thanks Natty. Ooohhh, just noticed you've posted the 100th post in my diary! You can have the next penny we find