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The march to financial freedom

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  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Evening Diary,

    Feeling a bit bleugh tonight...probably just tired and too much still to do both at home and for work. Good work day though, so nothing to complain about.

    Batches of chilli and bolognaise made - 4 of each gone in the freezer.

    DS has lost his watch and it's a school requirement to have one, so that's an unplanned budget spend tomorrow.

    Postman brought my appointment for Kings in London :j - on a Monday morning at 9.30am :eek: Already hunting down discounted train tickets, as it's peak cost for parking and travel.

    And the paperwork and card for DS's new H@lifox accounts arrived too, so I can set up the SO for that now.

    Read the elec and gas meters and plugged into spreadsheet, plus submitted elec online as required, in credit in both still.

    Financials:
    - bank account checked - use and pay off monthly CC has rolled over. Payment set up for 16th Feb, 105 Nectar points earnt
    - freepostcodelottery checked
    - Inbox Pounds up at £5.59
    - Nectar card - £29.24

    Think that's it today - a NSD, but won't be tomorrow unfortunately!

    Hope everyone is having a good weekend. :)
    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 4/1/18
  • Hey Ali :)

    Caught up on the programme on iPlayer last night (watched it again full attention and made Him watch!!) and still s gobsmacked as the first time. Honestly... I hoard tins of tomatoes but I USE them! Would be nice to try and total up the value of the food in my kitchen!

    Yay for payday!! Not so yay for the watch spend :eek:

    Reminded me I forgot to submit readings this month.

    Hope you feel better soon and less bleurgh. End of January blues...

    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • Skinnylatte
    Skinnylatte Posts: 1,244 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    Ali-OK wrote: »
    Evening Diary,
    Read the elec and gas meters and plugged into spreadsheet, plus submitted elec online as required, in credit in both still.
    Goodness is it time to read the meters again?! I hope you're feeling less bleugh today x
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • beanielou wrote: »
    :eek: to car.

    I agree :eek::eek:
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Afternoon folks :D

    More bounce, less bleugh today :D and had a sudden urge to rid the garage of some old boxes for the tip - did that en route to town :D

    Skinny - I try and do weekly meter readings to keep the comparison going with last year. Month end one has to be submitted for the bill.

    Lilt - That's a really good idea totalling up the kitchen cupboard value. Hardly any tins in mine now, used up kidney beans and toms last night.

    Beanie and SS - so annoyed about the car. Spoke to mate and will get it sorted in the Spring, probably whilst we're away on hols. Makes sense, just a bill I shouldn't even have :mad:

    Not too spendy in town thank goodness - DS's watch was £8.99 in Arg0s (same as previous one), £2 on 20 birthday cards (10 for £1 offer) in Card F@ctory and £6.20 in Wilk0's - replenishment bits and pieces in the beauty department (probably all wasted :rotfl:) but a saving of @ £2 on buying them in the supermarket. Free parking today too :j. Avoided all other shops so I could get back to watch more of the tennis - oh dear Murray has just lost :(

    Doglet No.2 is in hiding - got back from town to find the bag of bagels I'd taken out of the freezer was just a bag...no bagels in sight :eek: - they're in her tummy :mad: She is such a slippery little devil that one. Thank goodness I've another pack in the freezer, so they're out but defrosting safely where her greedy chops can't get at them :D

    Combination of housey stuff and work stuff to do this afternoon, roast gammon for dinner tonight. Alot of paperwork to respond to, file, shred or bin, emails and so on. But first lunch - a mish mash of whatever falls out of the fridge :rotfl:
    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 4/1/18
  • :eek::eek: to the dog!! I've got a Jellytot who does the same thing. She fetches her chair and scarfs whatever she can reach which is not fun when she is strictly dairy free :( kids and animals.. all the same! :rotfl:

    Good news on the watch. £8.99 is swallowable. As for the kitchen, I honestly daren't try and total it. I had a quick scan and even with 90% being some form of Mr L or basics... it was eyewatering mental arithmetic!

    Have ignored all of the housework save for a bit of ironing today. No energy! Dinner for me is leftover Christmas lamb which I froze in mint gravy :D lol.

    Keep on trucking! :D xx

    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    They say never work with animals and children..should extend that to never have them too if you want to keep food, money and sanity :rotfl::rotfl:. Love them all really :D

    Lamb is my favourite meat, though the gammon was excellent yesterday and we've devoured some more tonight with HM wedges and finished up half a tin of baked beans with it. Enough left for tomorrow night.

    Today was a busy work one, all good and the month is looking steady. So much for taking half term off, I've had to put 2 billable days in there, otherwise they wouldn't fit the bigger picture.

    I've booked a couple of things today and crossed them off my list:
    - Doglet No.2's annual vacs for Wedneday evening
    - the farm kennels for their summer holiday - nearly as expensive as our human one :eek:

    Paperwork pile was gone through and sorted one way or another yesterday.

    Financials
    - bank account checked, DS maintenance in, pension payment out
    - Freepostcodelottery checked
    - Inbox Pounds up at £5.76
    - Nectar at £29.35
    - Qmee - Yay! 16p earnt and ready to move to my TT pot :j

    A NSD as well. :) Hope everyone's week has started off well. :)
    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 4/1/18
  • Naughty dog let. I always defrost my stuff in the microwave (not switched on - it's just a secure place) away from creatures :)
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    I usually do SS, suspect I meant to put them in there after I'd made DS's milky coffee in it and forgot :o

    We have snow tonight and it's laying :j Looks beautiful and the dogs are loving it - having trouble getting them to come in from the garden now - not even a biscuit is tempting them :D. Probably 2-3 cm, so expect havoc for travel and all transport and how the south has stopped on the news tomorrow :rotfl:

    I can work at home in the morning, got a meeting in the office in the afternoon, so will check out the main road nearby when out with doglets first thing. DS excited school maybe shut - I doubt it, they're very proud of their 'no closure' record. I'll break the bad news when I wake him in the morning :o

    I've moved the Qmee 16p to the TT pot - now £88.53 :D Pretty sure that'll hit the £100 mark this moth :T

    Got back on the Nectar Search wagon last month and earnt 10p I think, so have started on that again. Can't believe I run out of things to search for though :rotfl:
    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 4/1/18
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    Very sorry to hear about the car. :( I've had that happen to one of mine before and quite recently I saw it happen to somebody elses car, ended up confronting the perpetrator.

    :eek: to the dog and also to the people on the TV.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
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