The march to financial freedom

Ali-OK

Well, Springy was a poorly pooch late last night and I thought it was going to be emergency vet time - he was in pain and couldn't settle. However he managed to be sick and settled soon after that thankfully. It wasn't the pork steaks either I don't think - there was pieces of bone from a stuffed bone he'd managed to break. Lesson learnt, don't leave them alone with one of those.

Not my week for losses - I thought I'd found a bargain ordering my new diary online until it arrived in the post today - it was for 2014 :rotfl:. Prize idiot here . So bought a 2015 one in town instead. Got a couple of fairies for the top of the tree in Poundland, some baubles and tinsel - £5 to decorate the office tree, just need to find a tree now :rotfl:

Saw the optician again and he's changed the eye drops. Believes there's pressure behind both eyes causing problems and wants to know the scan outcome from next week. He's done the 3 tests used for checking for glaucoma and they're all clear. Only 4 visual migraines in the last 2 weeks so that is a slight improvement.

Financials:
- bank account checked - all the November DDs etc have gone so now looking towards December with pay myself day this Friday
- freepostcodelottery checked
- Nectar Search - up at 60/100
- Nectar card value - £52.74
- Inbox Pounds - £2.09
- Qmee - 17p still

Think that's it for today. Now I've got DS's santa sack down from the loft, tomorrow evening I'll start wrapping his pressies. Putting our tree up this weekend too, so after working Saturday morning, it'll be deep clean the lounge and make it all festive.

Ali-OK

Today I got the artificial christmas tree for the office - half price at £20 complete with lights and decorations, but comes from the business account so technically a no spend day on a personal level. Now to find some time to put it up!

I've used my hopi candles to do my ears - bliss. Need to do those nightly for the next few evenings. A few minutes of enforced relaxation is just what I need.

Not much else to report, so the financials:
- bank account checked
- freepostcodelottery checked
- Nectar Search - still 60/100, will do some more shortly
- Nectar card at £52.76
- Inbox Pounds - up at £2.11
- Qmee - still just 17p in the pot

Got a P!necone Research survey through, so have done that and £3 earnt.

Was planning to do the food shop tonight, but a bit late now so will roll that over to tomorrow evening.

All in all quite a good day and another week almost over - 3 weeks and 2 days to go

Ali-OK

Evening Diary,

I'm glad it's the end of the week - things come in 3s allegedly, so the third mishap this week was a fall and landing on my kneecap on a concrete path. It's very ouchy

The good news is business month end and I've paid myself today :j. Still quite a bit more than what used to be my average, so that £1,138 capital mortgage payment remains and will be on its way Monday morning :j

I'm working tomorrow morning and that gives December a good start, helped by the new Christmas tree being up in the office and decorated. Pleased with that and feeling all festive now :xmassmile:

We're having a take away tonight once the traffic has died down - fish cake and chips. It's been quite awhile and will be less than £5 for the 2 of us.

Then it's food shop time, just hope it's not like the pictures on TV of the supermarket Black Friday crowds :eek:. Embarrassed to say I am only 5 miles away from the store where people were BITING each other and made the local news. Ald! may not be posh, but got to be safer than the T3sc0 where that was going on :rotfl:

DS's bank statement arrived today, he is chuffed to see the interest added and has made the next tier from his added birthday money and by not spending anything from it. He is off to the cinema and pizza place next Friday evening for a school friend's birthday so I'll be funding that and a present/card - first real big test of him going out with his friends in the 'big town' and straight from school too. I'm worrying already

Hope everyone's had a good day and the weekend starts here!

beanielou

Just a part of your DS growing up.
Sure all will be just fine.

Ali-OK

You're right Beanie, I've got to let go. He is sensible, has his phone to text me when they're safely at the cinema and his group of friends are all good kids.

Food shop done and another big spend of £49.56. £12 of that was 6 boxes of Pigs in Blankets - I need loads for the 3 lunches coming up, as well as £5 on desserts for the one next week.

Picked up some Xmas extras - mince pies and tortillas and 2 x 12 packs of sports cap bottled water as it's finally back in stock and DS needs those for school.

So the normal week's food included pork steaks (let's see if I can keep those safe this time :rotfl:) and braising steak and came to about £28. Still running a bit high.

Lots to be done on the housework side, going to be a busy bee all this weekend I think.

beanielou

Have a happy weekend

millionaire_in_training

Wow that'll be nearly £10k from mortgage in a year. That's amazing :beer:

Ali-OK

Thanks MiT - this time last year I was worried about how short of money it might leave me just getting back to paying the required monthly capital which is @ £650 a month :eek:. Works out I'll have made overpayments of £2,102 / 3 months knocked off the mortgage end date. Delighted with the year's progress. I'll do a full waffle when the big one has gone out on Monday. :rotfl:

Ali-OK

Saturday evening already and I'm settled down ready for Strictly followed by X-Factor with an Ald! choc bar on standby for nibbling

Been a busy day as I expected - work this morning and straight into making lunch when I got home, followed by the usual towel change, bins emptied and washing on. A good tidy up later the house is looking a bit more ship-shape but yet to get the duster out.

Financials:
- bank account checked. Monthly use and pay off CC has rolled over, so full payment set up for that to go out on 15th December. Also did a TT of £4.13 to savings, that's now at £40.42. Small steps and all that.

- freepostcodelottey checked
- Nectar Search - got to 100 then read can now go to 200 each month. Not going to make it this month, but good to know that's been upped each month. Also can download the new bar for an extra 100 points, so I must do that too.
- Nectar card - the monthly use/pay off CC rollover has yielded more points, so value up to £53.07
- Inbox Pounds - up a tad to £2.18
- Qmee - 11p added and now 28p in the pot
-Qu!dco - just redeemed £1.05 of Surveys to the main site, not sure when that gets paid to me though.

I sooo want to go and see the Paddington movie, might go on my own one afternoon around work if I can. How sad is that, just want to be nostalgic :rotfl:

Brogden

Ali-OK wrote: »

Thanks MiT - this time last year I was worried about how short of money it might leave me just getting back to paying the required monthly capital which is @ £650 a month :eek:. Works out I'll have made overpayments of £2,102 / 3 months knocked off the mortgage end date. Delighted with the year's progress. I'll do a full waffle when the big one has gone out on Monday. :rotfl:

Oh Ali......I love a 'full waffle' :)!!

Particularly good is a full waffle on a subject like mortgage payments

I read in your diary that you were interest only. At the end of the last decade I increased the mortgage and converted to interest only. I had had an LBM about this time and decided on consolidation of unsecured debt - I only did pay off half of it - the whole idea was wrong. Anyway, my LBM bulb faded out (it wasn't an LED one) and I had given myself a new problem I have just now started 'token' overpayments to the mortgage and plan (just plan) to move my main activities by spring next year to the mortgage as I am hoping my unsecured debt will have become 'ordinary' and not the monstrous carbuncle it is currently

For my own good, if nothing else I will shortly do a full 'head on' waffle about it all on my thread !!

Brogden x