It's a new dawn, it's a new day and in two years i'll be feeling good...

Polly_Wolly_Doodle · 9 November 2012 at 2:36PM

Thanks Penny will try that too!

Mortgage statement arrived, this month's massive reduction in capital is £1.17:D:D, will update the sig in a minute.

Also balance on the secured loan is £19,056.09 but can't get the settlement figure until they do their monthly calculation, so a couple of weeks to wait:mad:.

Need to go and count the sleeps till payday!

Middle child's b'day approaching and my mother has sent the parcel to him with the wrong name and containing a girls sweatshirt:(, wish i could laugh about it. And we've still got her Christmas shockers to come:eek:

Polly_Wolly_Doodle · 9 November 2012 at 10:11PM

Called mortgage company and moved the DD to the 1st of the month starting from Dec, given that we are interest only just now it won't make a huge difference but it should mean a little less interest i think - too obsessed??:o
Also set up a bill payment to it from my little non-salary account (ebay sales etc) and paid £1 just to see what happened. When we changed it from repayment to IO they said we could not make an OP unless it was at least £500 but today she didn't mention a minimum, so thought i'd try:rotfl:

Polly_Wolly_Doodle · 15 November 2012 at 7:54AM

£1.88 on it's way from Quidco - woop!

Polly_Wolly_Doodle · 17 November 2012 at 9:34AM

DH off to the village shop to get the usual paper and The Sun and we'll see if :money:Disneyland Paris vouchers are worth a look. It would be great for the children to have something to look forward to and for us to celebrate being over half way through the BR:j:j.

Nothing much else to report, too long to pay day and the unbudgeted spends are stacking up, contact lenses for DH, travel for him for pre-op appointment and the actual op still to come:eek:.
Life eh!

Polly_Wolly_Doodle · 23 November 2012 at 2:54PM

Spooky numbers, won £4.90 on euromillions and £49 on the lotto, lets hope it continues to climb:D, will update the sig.
Don't know if i'll make the £2012 either Penny but i should have a good chunk of money coming in when we get paid for the canvassing work we did last month, but God knows when we'll get paid:eek:.
Freezing here so heating about to go on. DD being a pain, should they be this difficult at 9??

pennywisepoundstupid · 23 November 2012 at 8:35PM

Glad its not just my 9 year old thats being a right pain in the ars£, I would swear some days she had already turned into a teenager.

Well done on the wins, fingers crossed your next win is 4.9million.

Polly_Wolly_Doodle · 24 November 2012 at 10:12AM

No lottery win to report:(, put £40 of petrol into DH's car this morning only to have an exhaust emissions warning light come on:mad:, this was after a big decision to use his car until our paydays next week, should have chosen my car:p.
Insurance renewal letter has arrived for my car, due in Dec, so once i'm paid i will have a look at what Quidco can offer. Also have our professional subscriptions due by 1st Jan, £300 and £200 ish a piece, so never mind Xmas it's expensive already:eek:.
Oh the good news is £2.65 in bids on my ebay items:j:j, if you don't laugh...

Polly_Wolly_Doodle · 24 November 2012 at 12:47PM

Right have made a decision that i'm not really happy with but... for the last two years we've been getting some of our milk delivered, it was a new round from a local dairy and although it was always slightly more expensive than the supermarket i felt it could be justified by not having to go to the supermarket midweek.

However as the children have activities i am going to the supermarket midweek to kill time anyway.
And the dairy have franchised the round out now and it is a mess and is now 60p more expensive than Tesco for a 2lt carton, so that's £3.60 a week or £187.20 a year.
So with a heavy heart (as i like the local tracibility of the milk) i have cancelled:(.
The upside is i will add the monthly saving to the virtual op pot, which will be £15.60 from Dec.

The other thing was in the post was the BACS notification of the first lot of canvassing money £125.65 net. Will add to the challenge and will wait for the second (hopefully larger payment in Dec).