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Looking for the silver lining

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  • *Robin*
    *Robin* Posts: 3,364 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker Stoptober Survivor
    All sounds great; hope you get everything ticked off this month! :T
  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
    I agree all sounds great :D hope you've had a relaxing day x
  • Sun_Addict
    Sun_Addict Posts: 24,115 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've had a mostly relaxing day. Not been anywhere except for taking the dog out locally. First NSD of June. 11,440 steps done. Made a vegetable lasagne from the Hairy Dieters Go Veggie cookbook. Made pulled pork for Mr SA. Paid off cc :)

    Watching the One Love concert, enjoying it, shame about the circumstances that that gave rise to it :(

    Glad I've got the day off tomorrow. Hopefully I'll get the refurbishment finances sorted and get a good deal. Going to cancel bus pass and book skip tomorrow.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Also watching the One Love concert :(
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Sun_Addict
    Sun_Addict Posts: 24,115 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Told you I was rubbish at counting my NSDs - yesterday was actually 2/8 :)

    £9.20 has gone to VSP this morning, now stands at £339.72.

    Dog woke me up at 3.30 am wanting to go out. I wasn't best pleased as I thought I'd got to get up for work an hour and a half later. Then I remembered I'd got the day off - oh joy :)

    This week I WILL track all my food/drink, NSDs, spending, etc.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy day off :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Have a lovely day. Hope the weather is better where you are than here :(.

    Concert was brilliant Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
    Have a nice day off :D

    Concert was good wasn't it! The amount of police here was crazy! I've never seen so many at an event before. They where even walking the streets here and I'm a good 15 minutes away from the arena. All in good spirit too.
  • Sun_Addict
    Sun_Addict Posts: 24,115 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Weather awful here today, windy, raining and gloomy :(

    Mortgage all sorted, had the additional borrowing on a 7 year term, repayments will be a bit higher than I'd hoped but will cost less in the long term. Still cheaper than the personal loan I was looking at with my bank. Interest rate is fixed for 5 years and my aim is to pay off the balance then. I can overpay by 10% a year. While I was on the phone I switched the main mortgage to a 5 year deal too and somehow this has generated £100 cashback. I've got headache now, my head is spinning after a 2 hour phone call and all the interest rate jargon.

    Will need to be more careful with wildly nilly spending - no more going free range, but it will be worth it. It has given me the kick up the butt I need to go for promotion too as the extra wages will cover the loan easily.

    Skip is booked for Friday, this is to clear out DD's room mainly but also to get rid of some garden rubbish. Bus pass direct debit has been cancelled so that's freed up £50 a month.

    Best of all have got a start date for the building work - 2 weeks today :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • JWPopps
    JWPopps Posts: 341 Forumite
    Sorry to hear about the headache, but delighted to hear you have been successful with the mortgage stuff - AND of course, £100 bonus!
    Mortgage: £83,000
    Credit Card Debt: £1,700
    Loan Debt: £3,000


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