The impossible dream

Tahlullah.H

Went to the hairdresser.  Good.  Look like myself again. £40 well spent.

Went shopping to Teskos and spent £52.47 on bits and bobs as well as fresh veg.  Not that many Yellow Sticker stuff available, just the wrong time of day I guess.  Hopefully this will keep me going for the majority of the month with a few top-ups in between.  Good news, I wombled 50p, so this will go in my .50p tin, which is still there to be cashed in if and when I need it.  I need to go to B&M as I am out of fat balls for the birds.  They are eating them at a really fast rate.

Another item sold on ebay but the auction has not ended yet.  I only listed it 2 hrs ago.   Shame I don't have any more of them to sell.  Clearly popular, even though they only bring in a small amount of money each time.  Will try to list another item today, one out, one in.

Prolific and One Poll have slowed down again.  Currently at £13.34 on Prolific.  I am trying to get to £15 before cashing it in.  At £15.95 with One Poll, still another £14.05 before I can cash this in.  Did my Receipt Hog.  Not really sure what I am collecting for with this!  Forever to go on Yougov before I get to £50.00, probably some time next year if lucky.

Good news, I was sent a cheque for £20 as I overpaid on my EE account when I swapped provider.  Need to pay that in.  I think I will send it to the visa card as it will help to counterbalance the interest I am paying on the account.  I know I am owed something from SSE when I swapped electricity provider, but they have having technical difficulties with issuing me with the final bill.  Can't be bothered to be concerned.   They are keeping in contact and it will turn up at some point!

Made a payment towards next years winter holiday in March 2021.  A positive move in my opinion, as it helps me to see how much I have to go before the deadline date in December.  Leaving in until then will make the Christmas period more stressful as I would be searching for money for presents at the same time as having to finish paying for the holiday.  I prefer to only have to financially worry about one major thing at a time and they want the final payment by 20 December!

On a countdown to my summer holiday - end of August.  Going away in the campervan.  That is predominantly paid for as well.  Just need a bit of spending money, to pay for Kitty's hotel and the fuel; just about everything then!  But I am nearly there.

The car needs new brake pads and an MOT.  I need to start giving serious thought to this.  Perhaps the £20 cheque should go towards this instead?  Yep, decision made. Money going towards the car expenses.  Can't remember when the car insurance is due either.  Memory like a sieve!

I need to get my paperwork ready for the Accountant.  I have been avoiding it.  Purely because I am so disorganised.  The bill itself will be covered without any issues.

Work is doing fine.  No stresses on this front. 

Right, best go and find a paying in book so I can post my cheque to the bank whilst I'm out buying bird food!

Tahlullah.H

Transferred £15.27 from Prolific into my PayPal account.  Have earned £56.52 since I discovered Prolific on 6 June 2020.  A bit of a faff waiting to catch a survey, but well paying.  Still have another £13.75 to go before I can cash in on One Poll.  I am not paying them into my mortgage, because I dislike untidiness, so I put them in this account, which means I don't overspend on other accounts, which allows me to make regular over-payments on the mortgage.   Instead, I use it to buy things for the campervan. Forever trying to fix this up.  It is never ending, but it will be right one day.   I know I am treating my money a bit differently to many on this site, but it works for me.  Bought the genuine brake pads for the car with paypal money, so one less thing to buy.  Have to think about tyres as well and once I have these, I can get the car booked in for it's service and MOT.

Nothing selling on ebay at the moment.  I really need to list some other things.  I have some clothes I could easily sell and not miss.

Checked my interest on the mortgage today and found that I am paying £3.42 per day.  Still high as it is over £100 per month, but it is coming down.  I am certain by next month, it will be less than £100.  A really good milestone.

Bit concerned about pouring all my spare money into the mortgage at the moment considering the difficulty the country is in. There is no guarantee I will keep my job, so maybe I should protect what little I have for  rainy day?  My emergency fund isn't big enough to offer any long term protection.  But if I pay as much as I can into the mortgage now, if it all goes pair shaped, then I have less to find on a monthly basis. Decisions decisions.

I seem to be doing a lot of counting down at the moment. Counting down to payday, counting down to my birthday, counting down to getting my pension, counting down to the lump sum so I can pay down the mortgage.  This is not a good way to live.

Think I may cash in the 50p tin and pay it into the mortgage.  I know it is there as a fall back, but I haven't used it in 2 years and it would make a bigger impression on the mortgage than being collected in a tin.  Plus I still have the £2.00 coins just in case.  Think I will do this tomorrow.  After all, what am I collecting them for if not this?  Just counted and have £150 to pay in.  Not a small amount.  Better in the mortgage than in the tin.

StripeyTightsSpottySocks

Hi Tahlullah, you have inspired me to get a wriggle on with listing on the bay. I have a couple of things to put on there now and they won't sell and bring in money if they are not listed. 

Wow! that's a lot of 50p's well done you for saving them and paying them in. I know some people sell them on the Bay but i don't think i ever get any of the collectable ones.

How lovely to have holidays to look forward to  I agree it is hard to enjoy the moment when there are positive things you are waiting to happen.

I am glad all is ok with you.

Tahlullah.H

Hi Stripey
I only have 5 collectable 50p pieces and they aren't really that collectable because they are not the ultra rare ones.  I call anything collectable if someone will pay me more that the face value.  As I said, they have a higher value in the mortgage than in the tin so time to bite the bullet.  The problem is getting time during the working day to go to the bank.  It may have to wait until Thursday.

I tried staring at my accounts today to see if i could will anything to happen - but alas no.  I am to be forever burdened with this debt.  And if not this one, the other one.  Never ending...

Tahlullah.H

I went to bag up my 50p pieces and found I had loads of collectable ones, so in the end, I bagged £100 and paid it into the bank and off the mortgage, so feel very positive about that.  I will have a better inspection of all the collectable ones as well and if I have duplicates, I may list them on ebay.  As I said, if I can get more than the face value, then that makes it worth it.  And the loss of the 50p will not be felt as it's been in a tin for goodness knows how long.

I also received my notification as to my interest charge for this month, and it is £99.04, to be taken on 6 August 2020.  So please to have finally broken the £100 barrier on the interest rate charge.  Feeling very positive, so I will update my footer.

Also, sold something on ebay - really small but those small amounts add up. The buyer hasn't paid for it as yet, but I believe in hope eternal!  Plus I have another 3 items that have had bids, so will sell.  Not setting the world on fire, but all these small trickles in help the overall cause of saving me money in other places so I can focus the rest of my income towards the mortgage, the visa bill and the car loan.

All positive.

StripeyTightsSpottySocks

Hi Tahlullah - i was going to suggest paying your 50ps in at the self checkout if you couldn't get to the bank but sounds like you are all sorted now.

I will get my items listed on the bay by the end of the weekend!

Hope you have a good weekend.

savingholmes

Hi Tahlullah - sounds like you are doing great. Well done on the 50p collection. Hope you win out on the collectables.

Tahlullah.H

Thanks for the positive wishes on the collectibles Savings. However, I am having difficulty with the concept of postage.  I need to sell everything for less than everyone else.  Then I have to send them by some sort of recorded delivery. Which then begs the question as to how much I would get for said 50p coin?  Once I have figured this out, I may actually get round to listing them for sale.

Nor have I managed to list any other items on ebay, but the items that sold were paid for and have been posted, so not too bad.  I made £26.00 on all 3,  Nothing to set the world alight over, but better in my pocket than not.

Nothing happening with Prolific or One Poll.  Nothing happening with YouGov.  Nothing happening with Receipt Hog or any of the myriad of sites I spend my time on in the hope of making a bit of money.  Another NSD today, as the post for the ebay parcels was yesterday.  But, Rome wasn't built in a day!

I also spend the huge sum of money - £35.00 - on Crowdfunding Moneybox.  It was the most I was prepared to risk at the moment.  And, to be fair, when we had a normal life, I would think nothing of spending far more than that on a night out, so why not?  I like the company and use their facilities so happy to oblige.

Pay day tomorrow, I think!  So getting geared up for the money shuffle.

savingholmes

Some one recently spent £66k for a not rare one lol so who knows

Tahlullah.H

On ebay?  Did they actually pay the money?  Bidding and paying, as you know, are two different things entirely.