The march to financial freedom

Ali-OK

Thanks Judi - it'd be nice to think we've gone full circle from helping ourselves to helping out others more. Reminds me of the story of my Uncle being offered a place at Uni, but my grandparents couldn't afford it, so the wider family and their local community rallied around to pay for it.

It's mortgage update day :j. £760 capital payment has gone off and the total is now £122,180 and stands at 8.4% paid off and 3.55 months shaved off the original end date of September 2027.

Part 1 - £27,345 - now £24,000
Part 2 - £106,099 - now £98,180

It should see the interest on Part 2 drop to below £10 per day :j The agonising 10 day wait for the letter to arrive telling me now starts :rotfl:

Sig updated and phone call to them in 10 minutes when they open at 8am - time for another cuppa in that case

Ali-OK

Evening Diary

Bank phoned at 8am with the mortgage capital payment and also found out the annual statements are being sent out on Monday :j I am soooo excited :rotfl:

Work day very good, shorter day there tomorrow, then back to do biz banking and pay myself for the rest of the month, expenses and a TT . Saturday's work will start February off nicely and just 2 more weeks until half term.

Very little snow so far here, wonder what we'll wake up to. Hoping roads will be clear anyway.

Financials:
- bank account checked - tentatively looking at £300 to the CC in Feb, though still toying with getting Euros early so may keep it at £240. Will keep a close eye over the coming days and weeks.
- freepostcodelottery checked
- Nectar card - at £28.69
- Inbox Pounds - at £5.54
- Qmee - empty pot

Dinner was from the freezer batch of turkey curry. Anyone see the BBC1 programme on food shopping/meal planning with Greg Wallace? A family of 4 spending £260 a week, overflowing cupboards and fridge, shopping 3-4 times a week :eek: First in a series.

Definitely an early night tonight, I keep saying it but then sitting on here reading diaries :rotfl:

liltdiddylilt

Saying the exact same thing... Really need some sleep!!

I saw bits... I cannot believe all that food and then spending £150... :eek:

Ali-OK

Next week's one looks good too - brand snob, her reaction in the trailer was totally :eek: I thought the sausages and orange juice info was really good - we have value from concentrate but way cheaper than T3sco (£1) with Ald! at 57p . Still alive so can't be bad

Oh b*m, QT is on after the news - I do like that What to do...stay up and suffer tomorrow or hit the pillow. Decisions, decisions...bit like buying something you want rather than need

Lilt, what's the betting Jelly will be up early after a nice long sleep and lay in this morning

AlexLK

£260 per week on food for a family of 4 is shocking but I have to confess to food shopping more than 3-4 times per week. I may have a look on iPlayer.

Can't say I understand the "brand snobs", most of the things supermarkets sell are the same.

supersaver1000

Ali just catching up and saw your kindness. Really lovely thing to do. :):)

liltdiddylilt

Ali She went to bed at 6pm as always, and I woke her up this morning!! She was still in bed near 8 and I had to leave for work so I got me some snuggles in as shes away tonight will miss her even while I enjoy a lie in! Undoubtedly will be up with the larks anyway.

Will have to watch next weeks

Ali-OK

AlexLK wrote: »

£260 per week on food for a family of 4 is shocking but I have to confess to food shopping more than 3-4 times per week. I may have a look on iPlayer.

Can't say I understand the "brand snobs", most of the things supermarkets sell are the same.

Their "big shop" came to £150 ish, their "top ups" brought it to the £260 figure :eek:, yet their cupboards and fridge were full before they got their big shop home :eek: Prepare for jaw dropping to floor if you catch up on it with iPlayer.

supersaver1000 wrote: »

Ali just catching up and saw your kindness. Really lovely thing to do. :):)

Thank you

liltdiddylilt wrote: »

Ali She went to bed at 6pm as always, and I woke her up this morning!! She was still in bed near 8 and I had to leave for work so I got me some snuggles in as shes away tonight will miss her even while I enjoy a lie in! Undoubtedly will be up with the larks anyway.

Will have to watch next weeks

Wowser! If and when DS did the occasional sleep in, I'd be in his room like a shot...you know, just to make sure he was asleep and nothing else. It was truly rare...as he was mostly in my bed at that age!

Ali-OK

Friday night - the good stuff - weekend is here :j paid myself a very healthy month's pay and expenses :j onesie already on :rotfl:

The not good stuff - someone scraped my car whilst I was in the bank :mad::mad::mad: on and above a rear wheel arch (a good foot long) - I *think* the scratch marks (there are loads of them!) might polish out but suspect the one long one is a dent - difficult to tell until I clean it up properly.

That's 3 times in less than a year :mad:. Just not worth having a decent car when there are so many carp drivers around and even worse no note left or anything :mad: Will ask a mate to look at it, if it won't come out, he knows someone who can do it so will at least be a little cheaper to sort.

Financials then:
- bank account checked. TT of £2.36, making the pot up to £88.37
- freepostcodelottery checked
- Nectar the same
- Inbox Pounds, small move to £5.56
- Qmee - nothing more still

February things to pay out for:
- Doglet No.2 boosters
- Hygienist appointment
- Sort the March birthdays - 5 close family and friends, Mothers Day so will get those organised

Only 8 weeks until we go on holiday - getting excited :j

Happy weekend everyone - work for me tomorrow so going to crack on with housey things tonight and get as much done as possible and then can be slightly more lazy on Sunday

beanielou

:eek: to car.