The long road to being mortgage free!

Secret_Saving_Squirrel

Depriving the bankers of loads of our money is one of my greatest motivations! I wonder how much we reduce their profits in total on this board?

ammonite

Ooh loads hopefully! I literally almost shed a tear at the annual mortgage statement when I see how much I actually pay off each month (compared to how much interest goes on!)

gallygirl

ammonite wrote: »

Ooh loads hopefully! I literally almost shed a tear at the annual mortgage statement when I see how much I actually pay off each month (compared to how much interest goes on!)

Never mind hon, you're making inroads so that is the main thing :T

ammonite

Thanks GallyGirl! It's not as bad as it could be, luckily we had a while to save up for the house so had a decent deposit and got it at a reasonable price and were fairly sensible about the size of mortgage we took, we never wanted to be mortgaged so high we couldn't afford anything else.

Any overpayment has to help! It's days are numbered!

ammonite

Not much to report from me. Just

Reluctantly had to spend money on a few things for the garden and had to go shopping (more accurately, had to send husband shopping which is never good!) so my "spare money" fund is dwindling, was hoping to keep a bit of that for the overpayment!

Seem to constantly find myself wishing pay day around so I can update my spreadsheets! Talk about wishing your life away!

ammonite

Hmm the items for the garden seem to have increased from the projected £30 to over £100 :eek: not happy at all! Might not be able to add much more to my overpay account this months now I guess these things sneak up on us when we least expect them.

One thing I've come to learn is that houses=endless money pots! :rotfl:

Doing well on the Dooyoo front : 27325/50000 and £11.42 on Ciao. Slowly slowly catchy monkey!

Edit to add: seems it is 20% off if you spend more than £100 in B&Q....as we went in 2 trips (over £100 together) we weren't sure if the would honour it, but they did...so £20 saved for the overpay fund

ammonite

Not much to report really. Done some reviews.

Also made a big decision.......I will only buy bananas two at a time. Neither of us like them when they have gone brown on the outside so consequently lots of bananas wasted. Literally throwing money in the bin. It has to stop so this is the solution.

ammonite

Today I will mostly be listing [STRIKE]junk [/STRIKE]goodies on eBay. :j

Half proceeds to go towards overpayment and half to go towards holiday fund.

Hit the £12 mark on Ciao and £30 on Dooyoo....need to get to £50 to cash out. Been writing one review per day but might try and up it to two reviews per day.

Bit annoyed with Onepoll, I managed to get about 55p worth of surveys and they haven't been credited on my account. They used to update them daily is that still the same?

Anyway. Onward, eBay calls.

ammonite

Had some success with eBay so feeling much better about the box of goodies that have been sitting here for a while. Also checked out how many toiletries I have and I'm safe for a while

Really need to look to reduce grocery spends so trying to eat out of the freezer and cupboards where possible. I cancelled the milkman too. I do feel doorstep deliveries have a place in society but it will save me over a pound per week (sometimes more if the supermarkets have offers) which adds up over the course of the year. Will put my £33 in the overpay pot now.

ammonite

After reading Gallygirl's diary I totted up how much we have spent on groceries in the last 3 months and I'm astounded. Usually budget £60-£80 for food (only 2 of us and the freezers and cupboards are full).

April - £152
March - £83
February - £185

:eek::eek::eek:

That is without visits to Costco, Home and bargain and anything paid for in cash or on my husbands credit card. None of that includes much meat as that is bought in Costco every so often. I usually buy stuff when it is on offer and stock up.

Need to start sticking to my budget a lot more! I have joined the "eating out of the freezer" challenge on the Groceries board and will stick to £20 per week for fridge/lunch/perishable items from now on.

Got £176 to last 2.5 weeks for petrol, food and social events (of which there are none ) The less I spend, the more I can overpay