The march to financial freedom

liltdiddylilt

Happy Friday and happy pay yourself day!!! :j my back has been behaving itself tremendously this week. Aside from odd morning niggles and things I am painkiller free (still taking the amitriptyline!) during the day

I think you need a fitbit. I can imagine it would be a great motivator for you, and also it is pretty amazing seeing your entire nights sleep lined up in numbers and graphs!!

Have an amazing evening. I am off to purchase requirements for tomorrows meals keto-style xxx

Ali-OK

Lilt - delighted your back is being good and glad to hear the anti-b's have kicked in for the UTI. I'm like an old woman getting out of bed in the mornings and use the first 15 mins of the day to 'get going' :rotfl:. Goodness knows what I'll be like when I'm 'old' :eek:

Not sure I'd like the wake up call you got with your Fitbit :rotfl:. I can't justify spending £100 on one either, especially when I do the Insane Ali mantra :rotfl:

'Do I want one - nope, Do I need one - don't think so, Would I take it out of the box - probably not' :rotfl:

Back up to 2 x 45-60 min walks with the dogs now we've the light nights at a decent pace (well generally pulled to the fields :eek:) and still doing 10-15 mins every 2-3 days on the bike. Trying to get hips back down to a size 8 as they've gone to a size 10 but not major in the health scheme of things.

Done the food shop with the help of DS and spent £32.29. Bit over but well stocked in the pork steaks and chicken thighs department and a gammon joint for Sun to Tues evening meals. Some batch cooking bits and the now rare category of 'where did this come from?' to DS, as I'm loading trolley to checkout!

Weekend weather not looking too bad down here, though washing on airers tonight and I'll hang out the last load in the morning.

Happy weekend all

liltdiddylilt

You make me cry laughing you do!!! :rotfl: The crazy Ali mantra... why would you not take this magical thing out of its box!!

When you said crazy Ali mantra I thought you meant 1-2-3-4-5-6-7-8-9-10-1-2-3-4-5-6-..... :rotfl:

Ali-OK

liltdiddylilt wrote: »

You make me cry laughing you do!!! :rotfl: The crazy Ali mantra... why would you not take this magical thing out of its box!!

When you said crazy Ali mantra I thought you meant 1-2-3-4-5-6-7-8-9-10-1-2-3-4-5-6-..... :rotfl:

That too :rotfl: Am I the only one that counts the spoon clinks when stirring a cup of tea too? :rotfl:

Ali-OK

Morning...just

Good financial update today - biz banking done, finally paid myself rest of last month's 'salary' and interest credited of £12.92 to personal account. More freeeeee money :j

Played my 50 free geo coins and pot doubled to 34p now
Inbox Pounds up at £10.86
Qmee still 16p - that has slowed down as well over the months/year(?) I've been doing it.

Delivery company have refunded both charges, so £10 on it's way back to my CC. Well done them :j so got a free upgraded delivery coming tomorrow and new business phone to play with..and hopefully not break with my incompetenence of new technology :rotfl:

All washing done now and dried on line this morning. Just doing a quick lunch and then hitting the office for a couple of hours.

Done some housework..polished in the dining room which consists of one unit :rotfl: as dining table has a protector on it. Suppose I should dust the chairs

Hope everyone's having a good day and am looking forward to our evening out at friends

Ali-OK

Afternoon Diary

Lovely evening out costing under £1 with the Ald! snacks we took and wasn't a late night. Up too early for a Sunday (6ish :eek:) and thought I'd take the dogs out early until I saw the weather...pouring with rain . Got on with some more housey jobs instead. Now dried up and the sun is out again :T

DS took himself off for a bath (most unheard of :rotfl:) but managed to pull the loo seat off - not quite broken but not staying on either! DIY mate popping over shortly to see if it's a repair or replace job, otherwise was planning a NSD.

Geo Lotto - 13p added, pot at 47p
Qmee - must have read my slowing down post as picked up 11p and up to 27p
Inbox Pounds - up at £10.94

Still got some work stuff to do but will give myself a full day off of it tomorrow, otherwise it feels like I don't get a break at all. Even the Accountant has emailed me this morning. My frugality has fully encompassed the business as he was expecting more expenses in some areas and thought he'd better check I'd not left stuff out :rotfl:.

New mobile phone has arrived this morning too :j I am building myself up to opening the box and getting stuck into it. *Please don't let me lose my contacts data*

Hope everyone is having a good Sunday

Ali-OK

Another mortgage post

Just checked online and the account has been updated both with the new amount outstanding (£119,550) and the interest due later this month which is £367.71. Down £2.94 on last month and down another 9p per day :j

Split £24,000 - £73.80, £95,550 - £293.91.

From 31/12/13 to date:
Daily interest was £13.44, now £12.10, Down £1.34 per day
Monthly interest was £410.34, now £367.71, Down £42.63 per month

Getting close to dropping into the £11 per day :j

It's ashame my rate is so high at 3.69% but with ERCs due to the 5 year fix and being an I/O mortgage, it's best to stay put. I checked the switching tool and I'd need to find a 1.59% rate or lower. Not gonna happen!

Focussing on the capital payment amount for June and would like to make it £1,000. Let's see how the finances go as we get further into the month

liltdiddylilt

Hello beautiful!!!

Yes you really are the only one who counts spoon clinks. But I am the only one who can have no less than 4 toilet rolls stacked by the toilet or I can't *go* out of lack of paper stress. Why I think I would ever need 4 rolls in one go I don't know! But I've never run out :rotfl:

Amazing mortgage stats, well done you!! And giggling at the accountant. Ours is the opposite. "What is this £200 coming out of petty cash a month?" Oh that will be for the cleaner boss employs at home and puts on business expenses because she is so busy she doesn't have time to do it.... :eek:

Big hugs! Am having a down day and off to wallow in the bath xx

Ali-OK

Weird in our own ways :rotfl:. You wouldn't want our Springer in your house - he steals toilet rolls to swap for biscuits :rotfl: or if ignored does his Andrex puppy impression a bit too well :eek:

:eek: at your boss and cleaning expenses. I get to claim a can of polish, a few air fresheners and a bottle of glass cleaner once a year :rotfl:

Just read an email in from T@lk T@lk putting my bill up again from June :mad: and dropping 0845 and 0870 numbers from being free/included in the plan. Why is it that tv/broadband/line rental has rocketed this past 6 months when everything else has gone the opposite way? Would love to ditch the landline but need heavy download and reliable broadband for DS's gaming and I still rely on it for some work stuff. Think I'll have to suck it up (though they're still applying the discount I negotiated in January).

Right, pension again. Tuesday is the day I'm phoning my plan provider and increasing my contributions. I've done a new SOA on stoozing.com and I have alot more disposable income now the debt is behind me. Time to commit to retirement fund building so think I'm going to go tough at £300 a month from June. Can always lower it if it's too tight, but to no lower than £250 a month.

Brogden

Ali-OK wrote: »

Weird in our own ways :rotfl:. You wouldn't want our Springer in your house - he steals toilet rolls to swap for biscuits :rotfl: or if ignored does his Andrex puppy impression a bit too well :eek:

:eek: at your boss and cleaning expenses. I get to claim a can of polish, a few air fresheners and a bottle of glass cleaner once a year :rotfl:

Just read an email in from T@lk T@lk putting my bill up again from June :mad: and dropping 0845 and 0870 numbers from being free/included in the plan. Why is it that tv/broadband/line rental has rocketed this past 6 months when everything else has gone the opposite way? Would love to ditch the landline but need heavy download and reliable broadband for DS's gaming and I still rely on it for some work stuff. Think I'll have to suck it up (though they're still applying the discount I negotiated in January).

Right, pension again. Tuesday is the day I'm phoning my plan provider and increasing my contributions. I've done a new SOA on stoozing.com and I have alot more disposable income now the debt is behind me. Time to commit to retirement fund building so think I'm going to go tough at £300 a month from June. Can always lower it if it's too tight, but to no lower than £250 a month.

Bold stuff Ali :T !!

Are you doing your new contributions to the Pooh-dential? I think we can be a bit unfair to the Man from the Pooh who has helped a lot of people and has done more to help ordinary folk than any of the banks. I guess your Pooh Plan has probably been fairly good value but its not really the way we do it now not least for the impacts of the 'charges revolution'

Call me naive but I think modern SIPP's are 'cheap' (Cheap = Good I mean :rotfl:)

Obviously none of my business but I would deffo support your approach of 'diversification.' I want to be more diversified and be paying down the mortgage at the same time as funding the pension and as soon as I can be I will. In the short term I want to ditch HRT using the pension and ensure everything I spend / save / pay off is from income taxed at no more than 20%

Have a lovely day

Broggers