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moneycurious

Second day of not feeling "fit enough" to go to the gym, must go tomorrow, thurs and fr , but oh was up and down all nightgrrrr.
busy little day of getting straight before being back at work, working weekends can be poo i have come to realise!!

To do today

clean woodburner
put wood burner in
move car for tarmaccing
post xmas cards
put all washing away
find designer jeans that seem to have walked out my wardrobe
hoover
dust
wipe down skirts
clean kitchen cupboard
clean fridge
clean windows
catch up on diarys.
make food for our jacobs join
wrap up secret santa stuff - grrrr
sort cupboards in bedroom out - maybe if cant find jeans!!!
fill wood basket
brekfast and a brew...


hmmmmmm best get shaping!!!

moneycurious

[STRIKE]clean woodburner
[STRIKE]put wood burner in[/STRIKE]
move car for tarmaccing[/STRIKE]
post xmas cards
put all washing away
[STRIKE]find designer jeans that seem to have walked out my wardrobe
hoover [/STRIKE]
[STRIKE]dust[/STRIKE]
[STRIKE]wipe down skirts[/STRIKE]
clean kitchen cupboard
clean fridge
clean windows
[STRIKE]catch up on diarys.[/STRIKE]
make food for our jacobs join
wrap up secret santa stuff - grrrr
s[STRIKE]ort cupboards in bedroom out - maybe if cant find jeans!!![/STRIKE]
[STRIKE]fill wood basket[/STRIKE]
[STRIKE]brekfast and a brew..[/STRIKE]


NOt doing to bad - mite go to the gym for an hour to , then can have a shower in my sparking clean one when i get home!!

Also sneaky Matwest sent me a letter saying my payments had reduced so rang and put them straight, so officially over paying on over payments now - wahoooow!!!
they claimed they did it so that my years remained the same paying it off...... sneaky or what!!!!!

Just got my membership tax claim to put in ( mit do that tomorrow am befor work ) and then back up to feeling in control and like me again!!!

ttfn:T

Mortgage_Reduction_Novice

That is sneaky of them. At least you set them straight!

You are powering through your to do list!

Don't forget to check for price stickers on your Secret Santa gift... yep mine still had the sticker on but it was just over the minimum spend so I'll let them off!!!

LauraJo

moneycurious wrote: »

just called the bank and owe 135497...... thats £5503 off our mortage ... £3000 worth of OP since july - thanks MS friends!!

Fab news! Congrats:beer:

moneycurious

clean woodburner
put wood burner in
move car for tarmaccing
post xmas cards
put all washing away
find designer jeans that seem to have walked out my wardrobe
hoover
dust
wipe down skirts
[STRIKE]clean kitchen cupboard[/STRIKE]
[STRIKE]clean fridge[/STRIKE]
[STRIKE]clean windows[/STRIKE]
catch up on diarys.
[STRIKE]make food for our jacobs join
wrap up secret santa stuff - grrrr[/STRIKE]
sort cupboards in bedroom out - maybe if cant find jeans!!!
fill wood basket
brekfast and a brew..

Yay!!! all done, even managed to do an hours worth at the gym, feeling bit better because of it but chest feeling tight........
proud of myself

AND......

the tarmacs base coat ( if thats correct term) is down, top coat tomorrow



and ..... managed to wipe clean the front pourch walls where oh's drunken step father slid down it and put black marks all over it - so super duper proud!!!

Treated myself to a Free waitaroundrose coffee on way back from gym, now off to shower, then out for the LAST Tea!! before xmas ( OUT) , OH is on mussels ( reduced to £1), sirloin, mushroom, ms and tomatoes ( all reduced) - VERY jealous , but mit make him feel abit better.

TTFN!!

moneycurious

Feeling very tired and full of a cold.... not good just before xmas!!!
Just about done shopping , just got nibbles to get for NYE now.... got OH's presents to wrap then everything done.
sat in pj's been to work, and thought i'd have a nap, got woodburner in ... butto busy catching up onhere and watching a film.....

off out to a house party tonight, but would rather stay in and watch SCD final......
had letter of Matwest stating that my op's are official, fingers xed set myselfa task to pay off another £1000 by end of feb , got fleabay stuff to sell,a nd then a bonus due at the other job.

Need some new clothes byt going to see what get for xmas and then modify from there.... not long and i will be able to wear the summer stuff i got last eyar and hardly wore...........

Happy christmas!!!! xxxx

moneycurious

my frugalness is rubbing off on the lil sis. was messing on Monsoon - rather dreaming and stumbled across some dresses that thought may do for her bmaid dresses. sent her a message that showed them and she replied that she to had been looking at them ( perhaps all those years of wearing the same clothes in different colours is paying off..... its not the first time we have bought the same item without knowing!) anyways getting back on track, she said that they onl had 18's - LUCK they were reduced to 59 pounds and x3 10's and x2 12s... as we arnt sure what size we need.... so bought them and she can pay me back!!!
Must be ment to be - thats 3 dresses - fingers crossed for the price of one - just need the shoes so a cheeky trip to the shops between xmas and new year may be in order to get them in the sale!!!!

house paty was fab, woke up at 11.30 - cold almost gone!! just to dust around - but then hardly at home over xmas - so dont think i can be bothered!!!
going to walk to parents , once dressed , gone realy tired - not like me at all!!!!!

TTFN xx

moneycurious

Happy Christmas!!!!

overpayment update thanks to generous family members is £140!!!!! just want to nip to town over the next few days to find a black cardi -- but going to look online - its safer!!!!

hows everyone else going??? just got the the buffett on nye to do - but thats a eat up sesh out of the freezer and cupboards. lunch is left overs today..................... mmmmmmmmmmmmmmmmmmmmmm!!!!!!!!xx

moneycurious

I a very reflective mood this morning. Thanks to you guys i have paid off over £3000 off my mortage this year. OH and I have agreed that this year we are setting ourselves a very strict challenge :-
only buying what we need.
We are scrimping in Jan ( as we have a hen do), but i have organised that and by my reconing the days not going to cost anyone anything due to the way i have costed it.
I am continuing to work the second job , putting my propositions to the company today - if they wont allow it i'll just have to find something else.
We are using up all toiletries etc ( OH obsessed about collecting soaps etc , and still have a bag full from our honeymoon - as we were away for 6 weeks!!)
Clothes - got camera loaded up with the pictures ready to put on in January. Only wearing a "minimal" wardrobe - Gok would finally be proud!!! - realised that i have some lovely pieces that just dont get worn and just going to get a few bits that can be worked in.
Food- Continue buying reductions, and making lunches / teas, but we still seem to waste an amount, so thats cutting down.
NO CHOCOLATE OR SWEETS - this money is purely to go on oP's
Heating - OP checked our oil tank and used 1/2 tank since june , pretty impressed as we were worried it would use alot more, thank goodness for out woodburner!!!
Petrol - going to try and car share still, but increasingly harder due to the new job, and person used to share with is based elsewhere - we will see though.
Hair cuts/ beauty - managed to still look ok- ish having the pro's do it every few month and me just plucking etc inbetween. After feb ( when bmaid), i'll be growing hair so once again that will save some pennies - and will be able to go to teh local college for a cut!
Gym - well gotmyslef stuck for 12 months in this one - but to be honest its my only hobby( apart from on here!), so bootcamp it is in jan...
Holidays ...... whats one of those??!!teehee
AIM IS TO CONTINUE TO OP BY £3000 a years approx , with all the rest in savings ( ready for Dec when the mortage needs renewing) fingers xed it will drop , and then i can continue to op!!!

once again thankyou MS friends, you are an inspiration,

right off to town to buy next years pressies and to put away, and to windows shop ( did manage to get a cardi - but mite not be right , and some new reduced gym trainers ( others looked abit scuzzy and hurt my feet)),

TTFN, good luck in 2013, hope it brings you health , wealth and happiness

MC xx

lulabelle1

I hope you had a lovely Christmas? How did the pressie shopping for next year go?

Keep up the great work, x