Mortgage Free in 10 years

megela

Offset mortgage interest has now been added - £270.18 making the balance now £102340.90. Can't wait to be in 5 figures - should be by September!!!!

ETA - saved £71.06 in mortgage interest by offsetting - an automatic op.

megela

Online food shop done at Sa1n$bury$ as I had a £10 off £50 voucher - came to £ 47, also need to top up at local new C00p with a £5 off £20 voucher, so total food spend approx £62. Also had to buy a new washing line for £10 yesterday which I will take out of food budget, so £8 balance transferred to holiday clothes pot - now £98.15.

Also bought mums birthday present for next week, had budgeted £30 - came to £25, still need to get cards though.

Ordered DD1 a new blueberry phone for her birthday free from ta1kta1k - £3.75 for 6 months then £15 for 18months. Worked out cheapest over 2 year contract. But she thinks she's having it early (birthday not til July)! Might need to use it as a bribe to get her bedroom sorted! Her current contract doesn't run out until mid june but didn't want to miss this offer.

Should be quiet weekend (although when I say that it normally ends up being more expensive than I expected) DD2 swimming in gala saturday evening, but that's the total plan so far.

Have a good weekend everyone.

misscousinitt

Hi megela - you are doing great.

Busy, busy too.

MCI

megela

Thanks for popping in MCI.

£5 OP made from voucher earned from gfk.

megela

Well actually had a 'cheap' weekend for once. Had to take £20 out of cash machine so to pay entry fee for swimming gala on saturday and as we didn't know the area I had to pay £1.95 to get my own money out at a petrol station.:mad:

But that was it - and I still have £14 of it in my purse!

Have just ordered a patio set from *sda, had to pay £8.95 delivery as they didn't have it in stock at either of our local ones. :mad: This coming out of Long Term Savings (DHs inheritance).

misscousinitt

Its so annoying when something happens to cost you money (like charging cash machines) - we work so hard to save the pennies, then some ****'s come and swallow them up for you.

Hope you enjoy your new patio set though - I am sure it will be lovely.

MCI

megela

Received letter from annual Nwest - for mortgage to finish at projected date of April 2032 my monthly payment should now be £647 per month, but they will keep the d/d at £677 to allow me to pay the mortgage off early - nice of them!

I presume the £30 difference is down to my overpayments.

Bought a bikini in *sda yesterday, £12 transferred from holiday clothes pot.

Finally felt able to start pulling back on 2nd job today. Am going in about 12 to check up that all is OK. However DH has told me that when I finish my day there he wants me to work 5 days a week for him! I miss my day off so have come to a deal of alternate 4 & 5 day weeks.

megela

2nd job payday today - £55 transferred to accidental holiday to York in october pot - needs another £47.50.

DD1s new phone will not work even though I have spent hours on phone to talktalk and on internet trying to solve. On tuesday it was 'escalated to back office' and they would call me back within 2days - needless to say I'm still waiting!!

megela

Online food shop done at T£$c0 - £57.70, and top-up needed to do at C00p with a £5 off £20 spend, so thought I had about £8 to transfer to holiday clothes pot - until DH spent £6 in a$da last night:mad:. He really doesn't get this does he?

Must calm down - he really doesn't spend that much - he just keeps messing with my budgets and spreadsheets:mad:.

misscousinitt

Annoying when they do that after you have worked so hard.

No one should mess with our spreadsheets!!! :rotfl:

MCI