Making a start... new mfw

teabody

Hi,
Well just trying to get my accounts straight but excited to see if it makes a difference to our outstanding mortgage when i get into it.
Had a bonus yesterday as I received £22 in co-op vouchers which i had forgotten about (collected from childcare that finished in August) and only have one voucher to collect at morrisons for £40 so looks like we will have plenty to eat over xmas.
I went out for a meal with friends last night and one of them had a 30% off voucher and we signed up for the loyalty card as we always eat there (Table table restaurants) and so it cost us £10 each...not bad for a night out.
Trying to resist the urge to go shopping....my sis in law is in full buying mode as she is also moving house next week and keeps asking me to go with her and so far I have avoided it.
I have also used my 123 credit card for the 1st time to pay for fuel which gives ash back so will let you know when i see the cashback and whether its worth it.

ixia

Hi TB great news on the vouchers and let me know how you go with the cash back.

Today's efforts :
12 adpoints

Registered OHs club card and did the insurance renewal for 125 points and a your view for 25 points.

Got free Special K porridge with mr t order- will donate to local food bank along with some other goods from stores

Stashed the 2 bottles of wine I got with the meal deals will put them away for Xmas

Just going to cuddle up with OH, it's his birthday and watch an episode of boardwalk empire.

Loads of surveys in my inbox but not got round to them will try to catch up tomorrow.

ixia

Evening all:)

Today's efforts:

• made lunches for work
• £63 cashback paid for amex card, very quick I am very impressed, I have transferred it to the bank will go towards next OP.
• got m&s voucher from bespoke

Not much else to report still to catch up with surveys etc.

Dinner tonight for the veggies- veggie haggis, neeps and tatties and lamb chops for me and DS.

Going to visit my mum tonight see if she can give me any ideas as to what to get her for xmas. What do you get someone who has everything?

ixia

Morning all

• Today's efforts:
• Caught up with adpoints 71 collected this week
• been invited to do a mr T winter veg from their orchard campaign
• did a lid! shop yesterday using £5 off voucher on flyer £30.36 spent
• I have booked Mr T online shop for tomorrow- used £7 moc and went through my supermarket to get £5 off a case of Corona. Ordered another free box of porridge with it, will take to food bank again.

£co payment gone in been transferred to visa, have put another few bits on it so balance sitting at £78.93.

Bills account still £30 short but TCB for £63 due in anyday was going to put towards OP but will split it £30 t bills account and the rest will be put towards OP.

One of DS's friends owes me £60 so he is meeting up with him tonight so hopefully he will get that and that will see me through to Friday, PAYDAY!!! :T

ixia

Forgot to add my Morries voucher came through from the sun offer so that's another £10 :j I will use it the next time I am passing there as it is about a 20 minute drive away.

Need to order turkey from marks today as I think it has to be done before Monday.
Have a good day

teabody

Hi,
Well in an attempt to get myself straight I have tidied through my cards and so on and combined my nectar points....have now got about £30 in points. Used my vouchers with co-op to get turkey and other extras we like such as christmas pudding and baileys thick cream! yum.
I have overspent a bit though...2 extra xmas pressies for the kids totalling £24 so not too bad. However, I forgot that there swimming bill was due...£95!!!! Also, treated myself to a cut and blow dry at my favourite hairdressers £30....though i have not had a trim since June so feel it was very needed! £0 insertion fees on ebay today so may try a bit of selling later to make up for it...I did manage to sell some old toys during the week and got £8 for them so not all spending spree! Have definitely got to be strict on the Santander card though as having it can make you feel like you have some money.
OH is cooking a big pot of Saturday (Caribbean) soup right now so will have lunch for tomorrow out of that too and then we eat at the in laws tomorrow evening.
Will shop this week at Morrisons for the last voucher towards my £40 off voucher and do a big shop the week after with it. However I might switch back to tesco delivery after that...feel i am better with the budget that way.

Have a good evening all.

teabody

Well i bit the bullet today and made my first overpayment!:j
Very excited....i used some savings that were in an ISA earning 1.75% but it made more sense to pay it off as the mortgage costs more but it means i will need to drip feed the savings to replace it. I look forward to getting the confirmation letter reducing the term for the first time though as this was a 30 year mortgage :mad: therefore i attempt to put a little dent in that!
I also listed loads of clothes and so on for sale over the weekend so hope to achieve a little bit of money from this and having looked through some of the other forums, the 52 week challenge looks good as a little saving goal.
Food shopping day today spent £65!!! But other than that, my OP and £1 contribution at the Nursery my son goes to I intend not to spend anything else today!

ixia

:T Hi Teabody

Congratulations on the OP

Keep it up, it can become addictive though, be warned lol.

ixia

Evening all

Just finished putting up the Xmas tree, bought a new one a while back that was posted on the grabbit board, however took DD1 to home base to get new decorations and lights and spent a small fortune but it looks lovely.

Today's efforts
- another £5 Morries voucher in the post
- 57 adpoints
- 2 m&s vouchers from bespoke
- ordered 3 for £20 from am@zon DVDS for Xmas and used discount code so got them for ££15
-ugov survey50p
-bag of limes for 6p, will chop up and put in freezer for my corona

I've got bills account back to normal but have put some more spends on the visa for Xmas but will pay it on Friday and need to pay some money over to Amex card. Any extra will put towards OP.

Good news hot some tickets I had listed sold today for a gig in london slightly less than I paid for them but just glad to get most of the money back as they were expensive, but I managed to get them for another night which ties in with holidays from work, I'm just relieved as you panic you will be left with them. I lowered the price yesterday hoping to get them sold, they were the cheapest on the site so someone got a bargain.

Anyway feeling shattered and going to get off to the land of nod.

ixia

Evening all

Got away from work early today so went to pick up parcels from various stores. Almost there with the Xmas shop.

Got a voucher for a free card in my mand s parcel so picked up a lovely card for my nieces birthday in January.

I've collected some more adpoints, few surveys in my inbox but not got round to them yet.

Dinner just about ready mackerel with new potatoes and beet root with a horseradish dressing tonight.

Need to dye my hair hopefully get it done later tonight and might try to get some wrapping done.