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The march to financial freedom
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Of course it's getting better. It can't not with the effort you're making. Well done though boo to the migraine. Btw, did I mention that you inspired me to do inbox pounds. I'm now just over halfway to first payout. Am hoping for it by year end.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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Inbox Pounds can add up quickly, or like my current 0-£20 is taking forever! Once the freebie sign ups run out, it's down to paid emails, tasks and searches - and surveys too. I've not tried the radio one - think it's like Nectar Ads...but have to listen to it for 15 mins to get 1p! I like that it's all free money though.
I've just sent £260 to the CC as new statement is in from the BT'd £2600. 9 more months of that and it's gone, gone, gone. Hopefully sooner...I've got £9.50 in 50p's and other change close to banking and that will be used to pay against the debt too. Back on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
A quick post before I dash off!
Mortgage Interest letter has arrived and September's payment is £389.70. Am now at a monthly interest reduction of £20.64 since 31st Dec :j
1st October's capital payment is set up for £850.
Part 1 - currently £101,485
Part 2 - currently £25,138
Next goal is getting Part 1 to below £100k - should achieve that on 1st December.
Total paid off this year so far - £6,821 / 5.11% :jBack on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
My next milestone is 10% paid off followed by getting below £100k.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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Quick q on new necter ads?
What does the second thumbs down button mean do you know?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.0 -
in_need_of_direction wrote: »My next milestone is 10% paid off followed by getting below £100k.
You're doing brilliantly - so close to £10k gone and 10% must be soon to follow.
I'm a twit - I'll have Part 1 below £100k on 1st November not December!Quick q on new necter ads?
What does the second thumbs down button mean do you know?
I never noticed that :rotfl: Assumed it was same as before 'Like, Not Sure, Not Like'
* * *
Financial bits:
- bank account checked
- freepostcodelottery checked
- Nectar adpoints - up to 14
- Nectar Canvass - a 100 pointer done. Go me! :rotfl:
- Nectar Search - up to 37/100
- Nectar card - up at £113.76
- Inbox Pounds - up at £14.27
- Qmee - nothing added today, still 77p in the pot
A good day and another No Spend one - 3 in a row, but need to buy milk tomorrow!Back on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
I only had two before.
Thanks for that.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.0 -
Well done on breaking the £100k soon. Amazeballs! :TOSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0 -
One third the way through the month, yet after the food shop tonight, I've already spent two thirds of my budget :eek:. Tonight the food shop was £42.09 - mostly down to getting extra everything due to weekend guests and stuff for the picnic we're taking on Sunday for our day out and a few bits for the office. Free tickets though, so saving £25 per head.
Another busy work day and I've just filled the last 2 days of September with billable work. :j When I pay myself, spare money (after CC is budgeted for) will bolster the emergency fund - thinking ahead to being off around Christmas with no income, holiday spends and the garden project - at least that can be done on a drip feed basis.
Financials then:
- bank account checked
- freepostcodelottery checked
- Nectar adpoints - up to 36 pts. I don't like the way I only get 2 or 3 ads at a time rather than a long string of them.
- Nectar Canvass - found my mojo and did a 20 pointer
- Nectar Search - up at 40/100
- Nectar card - up to £114.26
- Inbox Pounds - up again to £14.36
- Qmee - nothing, still 77p in the pot
Tomorrow it's GP early and Osteopath late with work inbetween. So a spendy day today with the food shop and similar tomorrow. I need to book an eyebrow thread and am going to look at Indian Head Massage too - as that's where everything seems to stem from - start at the top and work down is my latest theory :rotfl:
Heading for bed - early nights are slipping again and without a relaxing day in sight until the 21st September, I need to pace myself carefully, get plenty of sleep, eat and drink more water.
Hope everyone has had a good day - I am trying to keep up with diaries but am pretty hopeless at the moment. Apologies Back on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
You're not hopeless. I'm just glad to see you prioritising your health.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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