The kick up the a&£e diary for debt busting

tattycath

jwil wrote: »

Hope you get a better night's sleep soon. I feel your pain!

Good luck with the savings. Could you compromise with your OH and get one of the kitchen/bathroom done, and then do the other once you've paid down the mortgage a little more?

Hi jwil. How are you?
Thank you.
Getting either kitchen or bathroom done and paying down mortgage before getting the other one done sounds like a great idea.
I think bathroom should be done first -however it will need re-tiling and I've never tiled before and OH is really busy. He could probably do it, but he's a perfectionist and it would be long and drawn out. But it would be cheaper than paying someone else to do it....
Will have a think-research cheapest options for what we want...

tattycath

Not much to update, but thought I'd post.
Busy week this week-appointments etc.
Still need to list stuff on eb@y and sort some more stuff out for c@sh4clothes.
I'm itching to start decorating-well at least painting anyway. Just trying to think of the right shade. I fancy an off white but with a hint of something, though I'm not sure what as yet...
Right enough waffling. Off to drink my coffee.

tattycath

Dinner tonight was a kind of stir fry of chicken, yellow pepper, asparagus, onions and mushrooms with a sweet jacket potato. Drizzled with homey and mustard mayo/sauce-it was yummy! Must learn to make my own honey and mustard sauce, it can't be that hard...I hope.

tattycath

Paid £20 off mortgage last night.
Paid £67 worth of change into an account today ...and drew £30 out.
I also drew £40 out of the same account the day before yesterday and spent nearly £60 for food shopping out of it yesterday.
Need to pay more in when I've checked my funds in other accounts as this particular account is actually to try and save as much as possible-for a rainy day.
Just trying to get used to money going in my accounts at a different time of the month to what I'm used to.
So my century saver is much depleted-but I do still have about £16 in there and will add to it when I've sorted out my change in my purse.
Santander offered me a 123 account today but I was in a hurry and didn't have time to go through the pros and cons.
Does anyone get value for money with that account pls? I haven't checked yet. If I remember correctly you need £500 going into it every month and at least 2 direct debits. I know there is a charge for this account but I don't know how much and if you get more back with paying utilities, sky etc out of it... With have a think and do so e research.
Right, off to drink my glass of water and check my change to save.

tattycath

Still not got anything listed and no clothes sorted for c@sh4clothes.
Cleaned and tidied lounge this morning. mr tc swept and I mopped-all done now!
Did go for a long walk today with Mr tc and DSS. Blew the cobwebs away-literally. Just managed to get into cafe before heavens opened.
Back to painting now. Busy busy.
Slept better last night due to sheer exhaustion from painting! Was very late to bed-early hours and up at 8!
No financials to report.
Still in 2 minds about work...if I stay I can concentrate on saving to get kitchen and bathroom done and or mortgage over paid, but I do hate it-managers unsupportive etc etc.
On the other hand if I leave I will feel better not being in that job, but it is a job and the pension and other perks are good... And I'm lucky to have a job in the current climate...decisions decisions!

tattycath

Ugh. So early in the morning!

tattycath

No financial movements today-apart from spending just over £15 in b00ts and just over £26 in ald!
Numerous phone calls back and forth sorting insurance stuff and still more calls to be made sorting mortgage and changing gas and electric provider.
Need to get my @ss into gear on the selling on the bay of e tomorrow!

tattycath

Any pointers welcome to get into mystery shopping and more surveys etc-need to make some money.
If anyone has any idea on a ball park figure that can be earned over an average month doing mystery shopping and surveys-it would be very helpful.
No idea where to start...off to check forums.

tattycath

Paid £10 off the mortgage
Moved £6.73 to savings.
I really need to be able to overpay mortgage by about £500 a month in order to be on target for my challenge. only managed about a 10th of that this month.
Hoping to sort out certain bills to come out of business account shortly-that will free up another £50 a month. Then I just have to create/make an extra £400 a month to overpay.
When I get rid of catalogue bill I should free up more money to throw at the mortgage...need to do some sums...

Tilly_MFW_in_6_YRS

Morning TattyCath, I think GallyGirl does Mystery Shoppng, so maybe post on her diary asking for advice?

We do P!necone, Shop and Sc@n (weekly scans of food shopping and uploading of receipt), Consumer P£lse (on line entering of items purchased, eg clothing, games etc. Plus 1Poll (both have accounts). Mr T also does Valued @pinions. Finally Royal M@il posting surveys and paid in stamps.

I have a feeling I've forgotten something but can't remember what :eek:

Ammonite isn't posting at the moment but she was great for eb@y advice. Finally magazine subs with a free gift, where the gift can be sold seem popular.

Only their thing to add I guess is food waste. If you are chucking any food out, then you may be over buying, not menu planning etc, so that could save some £ possibly?

Good luck, Tilly x x