The march to financial freedom

Ali-OK

Really busy work day and have booked more in too. :j I should be over target for this month as things stand, so looking at July's budget, £400 to CC and £776 to the mortgage should be doable. Ambitious but I'm optimistic right now. There's also buildings and contents insurance due next month, so I'll be looking for cashback too.

Financials today then:
- bank account checked
- freepostcodelottery (both) - checked
- nectar adpoints - 3 more and now on 32 points
- nectar canvass - a 40 pointer to do on the back of the product test
- nectar search - up at 67/100
- nectar card - still at £66.94
- Inbox Pounds - up at £18.70
- Qmee - another 5p
- P!necone - points allocated and redeemed for £3 to Paypal

Tomorrow I'm working at home and will be trying to fit in the 2 days worth I planned into one, so I can do a different bit on Friday that came in today. :eek: So if you see me posting during working hours, then please feel free to tell me to get on with my work :rotfl: I need to be disciplined for sure to meet the deadlines.

Hope everyone has had a good day. Sunshine has continued and am hoping it still around at the weekend so I can enjoy it. Grass needs cutting again too!

supersaver1000

Hi Ali, I admire your tenacity. You seem so organised, I so agree that keep going with the little things and eventually it adds up to a lot. I keep popping in here to remind myself.

I will be at work tomorrow but as I'm demob happy I will pop by to make sure you are working! (good excuse)

Ali-OK

It's the excel spreadsheets that keep me in line. :rotfl: Have a simple but effective budget one that's been running since 2006 - I set up another 12 months towards each year end by copying and pasting, so all the annual bills show up in the right month. I can also look back and see how much bills have increased or decreased by. For example, in April 2008, elec and gas combined was £30.40. I sound like an OAP going on about how much stuff has increased these days :rotfl:

I have to tweak each month with date changes, but it has a simple column of Money In, Money Out and a Running Total one - the last one has a simple formula of adding and subtracting what's in the row. So any changes and the running total automatically changes for me. Keeps me abreast of what's left at month end - which is what will be at the start of the next month's sheet (as that's an auto calc as well ).

I've got similar inter-linked sheets for the business, so it's all works easily and means my Accountant's bill is as low as possible. I check my diary posting here for my list of little bits to make sure I've done them all!

Thanks for keeping me on the straight and narrow tomorrow, now I know I'm being watched, I'll be extra careful :rotfl:

supersaver1000

Lol. I have similar spreadsheet set up at home. Although I have a master sheet and set up a spreadsheet full of lookups. Then I hard copy it before I set up a new one for next month. It needs a bit of tidying up really so I may set up a new one.

Will be checking in tomorrow :wave::wave:

supersaver1000

Just checking in to see if any posting going on :rotfl:

Went to the Halifax earlier to change DDs account from a 0.5% one to a 3% one - they told me to come back with her proof of ID last time I went in. Today, they told me that no, I need to make an appointment. Getting the feeling that they want to make it as hard as possible (that's just paranoid - I know its just them being inefficient really).

Will make an appointment soon - I know its only 3% but its DDs 3%!

Right off to stop being a hippocrate - apols for posting all over your thread :A

Ali-OK

:rotfl: Post away . What a nightmare with Halif@x, sure all these banks are getting harder to open accounts with. Can't remember what they said to me about Junior ISA opening when I was in there now.

I've had a tea break here and there and finally upgraded my Lloyds account to the Club Lloyds at 4% on £5k and opened the associated Regular Saver at 4% and set up the SO for £400 a month - can always lower that down over time, but sitting with £10k in there at the mo, I need to get some of it moving to make it work for me.

Got wobbly eye bits coming on, so laptop work will have to stop for a while - time for lunch I think and possibly 40 winks. :mad: Got lots done so far though, but plenty still to do!

Ali-OK

Early update as I have good intentions of doing some stuff in the garden after dinner. Let's see if I actually get out there though!

After an enforced lunchtime break and headache pills, I got the work done that I needed to. Phew.

I've spent £3.90 posting a 2nd Class Signed For parcel (birthday present) and £26.05 on 24 boxes of Sm!nts. Much cheaper online and with cashback too. They'll last a good 6 months and are my constant companion - handbag, car, etc.

Financials then:
- bank account checked. Account changed, Reg Saver opened. :T
- freepostcodelottery (day) - checked
- Nectar Adpoints - up at 45 points today
- Nectar Canvass - 40 pointer done last night
- Nectar Search - up at 80/100
- Nectar Card - up at £67.19
- Inbox Pounds - reached £20.01 and cheque requested. :j New pot has a £1 bonus in to start the next run. £80+ received from there to date
- Qmee - moved 91p to bank account, not picked up anything today though
- P!necone £3 arrived in Paypal, moved to bank account.

£24 will be sent to the CC when the IP cheque arrives/is banked (7-10 days time). :j

Got one load of washing done and dried on line. It's staring at me to be put away!

Time to get cracking in the kitchen I think!

Hope everyone has had a good day and thanks to SS for monitoring me. :beer:

supersaver1000

Glad you had a good day - I was so hot at work, could hardly move even with all the windows open. Shouldn't moan though as its much better than the rain. Can't wait for the weekend.:)

millionaire_in_training

Stop moaning about the heat!! We have rain. I am so jel :rotfl:

supersaver1000

Sorry MIT but honestly I could have burst into flames. Have had a bath and cooling off in the cottage. Need to dress in something cooler tomorrow. Hope the big yellow thing comes your way tomorrow.