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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!
    Just back from tea and cake at DB's to celebrate nephew's 18th, he's not the partying type, though they tend to set up tents in the garden and so a weekend sleepover with pizza and I guess beers now too.

    Busy work day out and about, but working from home tomorrow, so a nice day off of driving. Booking sports car in for service remains on the To Do list.

    Financials:
    - bank account checked
    - freepostcodelottery checked
    - Nectar adpoints - 4 more and up to 51
    - Nectar Search - up to 50/100
    - Nectar Canvass - not looked today
    - Nectar card value - up at £52.53
    - Inbox Pounds - up at £11.95
    - Qmee - another 10p, making £1.07 this month so far

    Got a growing list of things to do and pay out for, think next week off could be costly. DS trousers, his hair cut is booked in, sports car stuff and need to sort the dogs being groomed. Maybe one this month, one next is the way to go. Not confident about spending on clippers and DIYing it. :o

    Looking forward to not getting up with the alarm tomorrow, but it will be a work focussed day, that's if the sunshine due doesn't drag me outside to cut the grass first :D
    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
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    :mad::mad:re car. Annoying indeed. When I got this car my DD bumped it before I even made the first payment. Still has the bump in it. No doubt she'll get it fixed before I trade it in !!

    Oh no to yours :eek: I might try and flirt with the dealership sales guy (he is rather cute and young :p) and see if there's anything they can do for free :D. Perhaps another of my double choc chip chunk muffins might swing it :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
  • Thanks for the offer of the dogs to take walking but am super allergic......................................Phew!

    I know labradoodles are meant to be for folks with allergies but am still allergic to them :rotfl: My friend has a crazy chocolate brown one
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Thanks for the offer of the dogs to take walking but am super allergic......................................Phew!

    I know labradoodles are meant to be for folks with allergies but am still allergic to them :rotfl: My friend has a crazy chocolate brown one

    :rotfl: Ooh a lucky escape there! The Springer could have made his own way up to you I reckon too - he can open doors (including the front one :eek:) and recently the little blighter has fathomed out the baby gate - a very tall one that I installed.... to stop him getting to the front door and taking himself for a walk :rotfl: . Have to keep front door locked from inside now!

    Ha! Crazy labradoodles is about right too! Choc brown sounds lovely, got a blonde one here. :) Doesn't malt, just grows to look like a sheep :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
  • Yep Daisy is the same. She is HUGE and very boisterous and totally gorgeous . We just can't have pets as we are all allergic. Have had a rabbit and a few hamsters but that's all
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    The week is flying by and after tomorrow, it's a run of 10 days off and not a thing planned, except DS's haircut. I'll still need to keep on top of work stuff and the Accountant will send through my re-hashed files for sign off. I can feel a list coming on to make good use of free time :D

    Spent today catching up on 'running the business', surprising how much time that takes up, but feels good to be on top of it all at the moment. Morphed into some personal paperwork sorting and filing and a tidy study. Two of the printer inks ran out, fortunately had a spare pack so job done quickly and without added expense.

    I've found a paint stick online for £7 for the car scratch, though will try t-cut/buffing out first. Might end up spending, but that's the back up plan rather than first port of call. Sports car service still to book.

    Financials today then:
    - bank account checked.
    - freepostcodelottery checked
    - Nectar adpoints checked - another 3 and up to 54
    - Nectar search - up to 60/100
    - Nectar canvass - 2 done, 90 points collected
    - Nectar card value - up to £52.53
    - Inbox Pounds - little increase to £12.06
    - Qmee - another 15p added to the pot

    Nothing else to report today. :)
    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
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    A letting off steam post...

    DS took his laptop to Mum's today, as he has been doing. He managed to knock a cup of coffee over it - about half of it went over the keyboard. He's done the opposite of everything he should have done to try and clean it up. It's dead.

    This is a 7 month old, £1200 laptop (paid £800 after offer and £100 cashback) I bought him as a joint birthday and Xmas present. The warranty doesn't cover spills. It is currently sat upside down in the airing cupboard, but since it happened first thing this morning and I've not long picked him up, it's had all day for the sugary coffee to soak nicely into the machine. And he's tried to switch it on several times which has probably damaged more components.

    He's been told to be up and ready at 8.30am tomorrow to come with me and said laptop to where I bought it from to see if it can be repaired - at his expense. He has about £1k in savings and he'll have to use them if he wants it sorted or replaced.

    After years of telling him not to have drink or food near his laptop, he might actually take a bit of notice in future. To top it, his homework is on there because "he couldn't be bothered to print it the other night". He'll have to do that all over again as well. So he's now in a foul mood about that as well.

    Absolutely fricking furious. :mad::mad::mad::mad::mad:

    On the upside, as he's unlikely to have it back whilst we're both off next week and he's nothing better to do, he can clear his bedroom out.

    Back later when calmed down :D
    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
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Get it in a box full of rice. That'll help to withdraw any water stuck inside it. Leave it in there in the airing cupboard for at least 24 hours.

    Check your home insurance for accidental damage - you might be covered.
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Thanks Moomin - laptop safely on a bed of rice in a box in the airing cupboard :D. I did take the back off to see if anything wet to dry up and clean with alcohol, but everything seems dry. I suspect the amount of switching on he did in the first 3 hours before it went dead may have done some component damage.

    I can't find the paper version of the home insurance policy, so will wait and see how we get on with a) rice and then b) a trip to the computer shop.

    Got a funny feeling I took accidental damage off last year - based on no major accidents with DS and tvs/carpets etc and both the dogs grown out of puppy antics. Hmm.

    DS is a bit happier, he's got his old laptop out which doesn't have a working keyboard, but I've got a wifi one he can use.

    Gutted after spending that sort of money if it is ruined. Now to play the waiting game.
    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
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    edited 12 April 2014 at 10:25AM
    Good news this morning, DS's laptop is working fine after the rice and airing cupboard stay overnight. Phew and many thanks to Moomin for that.

    So a catch up on the financials from yesterday:
    - bank account checked - I banked the £20 of £2 coins yesterday
    - freepostcodelottery checked
    - Nectar adpoints - a double pointer (which was single for me as already had watched it), still 3 more points and up to 57
    - Nectar Canvass - nothing more
    - Nectar Search - up to 68/100
    - Nectar card - up to £52.97
    - Inbox Pounds - up a little to £12.15
    - Qmee - another 20p

    Lots of little DFW things done this morning or to do - washing drying on line but rain is due so keeping an eye on that.

    Mortgage interest letter arrived - £1.89 saved on this month, can't work out why that it is less than last month (£2.37) when I've paid £17 more than last month to the capital. Guess it might be to do with length of month. They calculate interest from the 28th (that's the date it normally goes out too), but I do wonder if they're applying the capital payment the day they get it - which is the day after I send it as their system doesn't update it until overnight. Hmm, a way for them to earn money, even if it is just pence I guess.

    Electric and gas readings have been taken and input into my spreadsheets - we're sitting around the 65-67 kwh on electric each week, up from 62-63 in Feb and March. Got to find where those extra few are coming from now! Gas has dropped off due to the weather with just an early morning and evening switch on. Going to drop the evening one and back to candles as it's only 1-2C we need and those will easily provide that.

    Batch chilli is out of the freezer in readiness for tonight's dinner, as well as a big pack of chicken thighs and drumsticks. I'll roast all of those tomorrow then re-freeze some of the cooked ones. I stupidly forgot to split the pack up when I bought them fresh and can't break them apart now. :mad:

    Today's priorities - housework and washing, tidying and procrastinating :rotfl: And eating lemon drizzle cake and birthday cake, courtesy of Mum and nephew we came home with extra!

    Hope everyone has a good day. :)
    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
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