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Sweet dream or a beautiful nightmare - only time will tell :-)

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  • Pixnmix......your on!!:T

    P.S......hope you don't have any mega lumpas to chuck at it....coz thats cheating:rotfl:

    Del B. xxx
    L.B.M Dec 12 mort £91728 (£7327 sec loan incl)
    Feb 13 mort £89629:D
    2013 Challenge to op £5400/1700 paid so far
    Aim - to be mortgage free Jan 2020:j was 2025:eek:
    I'd rather laugh with the sinners than cry with the saints, the sinners have much more fun......:D
  • Good afternoon:)

    Sixth day on the bounce where I have spent no money on lunches....it's a miracle!!! Been ever such a good girly by doing an extra one when I make the little Buttercups lunch boxes up:D

    Pay day tomorrow for Mr Buttercup;) so should have some money to chuck at the mortgage, maybe a £100 or so....bring it on I say. Mr Buttercup gets payed weekly and I get paid monthly which works out really well because we are never truely skint:D

    Been playing with these op calculators and boy do they twist your mind:rotfl:. Think I'm starting to get a bit ahead of myself here putting larger and larger ops in and imagining pay off day!!! Mr Buttercup isnt aware of my mf desires yet as his moto is live for today, not mentioning the techno techno techno fettish he has;). Don't think I will mention it to be truthful as its easier to be on a one woman mission with me myself and I, than actually admit how much spare money we do potentially have each month.....if you know what I mean:p

    Keep smiling people:D

    Del B. xxx
    L.B.M Dec 12 mort £91728 (£7327 sec loan incl)
    Feb 13 mort £89629:D
    2013 Challenge to op £5400/1700 paid so far
    Aim - to be mortgage free Jan 2020:j was 2025:eek:
    I'd rather laugh with the sinners than cry with the saints, the sinners have much more fun......:D
  • Sandstone
    Sandstone Posts: 105 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    Hullo!

    Loving your diary so far, and just wanted to say good luck and keep up the good work!

    Is there perhaps any chance that you can get the rest of your family on board with the big push? Too early for your son of course, but maybe it could potentially shape your daughter's spending habits for the next few years?
    Saving money for everything and everyone.
  • pixnmix_2
    pixnmix_2 Posts: 429 Forumite
    Pixnmix......your on!!:T

    P.S......hope you don't have any mega lumpas to chuck at it....coz thats cheating:rotfl:

    Del B. xxx

    Oh for the chance to cheat like that :( But I have a clever tactic! I arranged my remortgage yesterday and I've increased my monthly payments to knock 2 years off the term. BUT, the term was supposed to be until 2024 so I'm still 2 years short of my 2020
    goal.

    Still, you gotta be in the race to win it :j
  • Good evening:wave:

    Thanks for dropping by sandstone:D. Have already started to shape beautiful teenage type into doing chors for pocket money....just got to shape her expectations of 20 quid an hour down to a more reasonable amount....hence the detached from financial reality quote;). Don't know if anybody else out there with teenage types feels this, but certainly madam seems to think just coz mama works then we must surely by waded....haha!!!! In your dreams big girl, Mama works to pay the mortgage and has done for the last decade and a half, dreams are wonderful, but reality is something else:D.

    Pixnmix, good for you:T.....you go girl:). I did that at my last remortgage and it felt ever so gooooood:T. For me certainly looking at other peoples diaries I think I jumped on the wagon a decade later than I should have...but hey ho we certainly had a good time getting there:beer: Time will tell I guess if I can make up for lost time oping, certainly the later you leave it the harder the slog....by heck it's grim up North:rotfl:

    Pleasant dreams, Del B xxx
    L.B.M Dec 12 mort £91728 (£7327 sec loan incl)
    Feb 13 mort £89629:D
    2013 Challenge to op £5400/1700 paid so far
    Aim - to be mortgage free Jan 2020:j was 2025:eek:
    I'd rather laugh with the sinners than cry with the saints, the sinners have much more fun......:D
  • Good evening:)

    Mr Buttercup got paid today so I have another £100 to op, mind you the wages department swindled him out of some overtime money to the not to be sniffed at total of £150. He will get that in next weeks money so I guess it will all come right at the end. Another stingey day really , no spends except for the £153 council tax but hey ho that's life;).

    My question is do I wait till I've got say a couple of hundred quid to op as spare money sort of comes my way every week, or should I op as soon as I get my dirty mitts on it? I ask the question because a few years ago I had a couple of attempts at oping and specifically requested to which part of my mortgage I wanted the money directing to, and did NR (now Virgin) follow my requests......did they b*ggery,:mad: Caused all sorts of hassle trying to get it corrected so now I'm of the thinking the least times I contact them the better ratio of damage limitation I will have:D......or am I doing myself be holding on to cash and not giving it to Virgin sooner?

    Your thoughts would be lovely to hear.:)

    Del B xxx
    L.B.M Dec 12 mort £91728 (£7327 sec loan incl)
    Feb 13 mort £89629:D
    2013 Challenge to op £5400/1700 paid so far
    Aim - to be mortgage free Jan 2020:j was 2025:eek:
    I'd rather laugh with the sinners than cry with the saints, the sinners have much more fun......:D
  • Good morning,

    Had a think about it overnight and gonna wait until I have another £100 to op next week before contacting Virgin. Damage limitation stratergy me thinks.

    Del B. xxx
    L.B.M Dec 12 mort £91728 (£7327 sec loan incl)
    Feb 13 mort £89629:D
    2013 Challenge to op £5400/1700 paid so far
    Aim - to be mortgage free Jan 2020:j was 2025:eek:
    I'd rather laugh with the sinners than cry with the saints, the sinners have much more fun......:D
  • Good evening:wave:

    The weekends looming after a rather loooong 5 days at work and tomorrows the day that I descend on Asd* for my weekly shop. Have been threatening for the past few weeks to get my butttt into gear and order online via click and collect......have I done it......have I bugg*ry:mad:, got to get my act together and get on with it;)
    Mind you would miss my receipt wombling expeditions greatly as it feels quite naughty to be claiming off others spends:D

    Have a lovely evening:)


    Del B xxx
    L.B.M Dec 12 mort £91728 (£7327 sec loan incl)
    Feb 13 mort £89629:D
    2013 Challenge to op £5400/1700 paid so far
    Aim - to be mortgage free Jan 2020:j was 2025:eek:
    I'd rather laugh with the sinners than cry with the saints, the sinners have much more fun......:D
  • Hi:wave:

    Not a bad day really, went to Asd* for the weekly shop and spent £87 which wasn't too bad as it's heading in the right direction:). Managed to purchase 3 bottles of the working mothers amber nectar in that so wahooo:D. Had a mini wombling sessions and picked up no less that 5 receipts so lets see if Mr A coughs up any dosh;)

    Also took back no less that 300 quids worth of gaming console for Mr B this morning as it was a Christmas pressie that was obvious it wasnt going to be used, not my money but Mr B's but at least it was sent back:T. Hurrah I say Hurrah:beer:

    Have a lovely evening:D

    Mel B xxx
    L.B.M Dec 12 mort £91728 (£7327 sec loan incl)
    Feb 13 mort £89629:D
    2013 Challenge to op £5400/1700 paid so far
    Aim - to be mortgage free Jan 2020:j was 2025:eek:
    I'd rather laugh with the sinners than cry with the saints, the sinners have much more fun......:D
  • After yesterday afternoons quite successful Asd* wombling session and subsequent "retreavel" of no less that 5 receipts plus mine I have just entered the lot into the price guarantee website....and how much did I claim back against next weeks shop....absolutely nowt, zilch, bugga all!!!!! Grrrrrrr:mad:

    Del B xxx
    L.B.M Dec 12 mort £91728 (£7327 sec loan incl)
    Feb 13 mort £89629:D
    2013 Challenge to op £5400/1700 paid so far
    Aim - to be mortgage free Jan 2020:j was 2025:eek:
    I'd rather laugh with the sinners than cry with the saints, the sinners have much more fun......:D
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