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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!
    With a bit of time to spare before I need to head out, I've come on here...the alternative was going to town and Wilkos to buy more paint and use the £4 off voucher...but common sense prevailed as spends have been constant this month and a NSD is in order. :)

    Financials done already:
    - bank account checked
    - Nectar adpoints - 6 more and up to 34 pts
    - Nectar card value - up at £68.18
    - Inbox Pounds - up at £2.44
    - Qmee - 11p added to the pot

    I'm playing email tag with the plumber to book a date for the boiler service (£60) and to finally get the niggly jobs done - kitchen tap drip, bathroom sink pop up plug and bathroom tap top fixed. That will all fall into July I think, as the first date offered is the one day we're away.

    Have finished the June birthdays now too - just one to deliver and one to post early next week. List ready for July to check against the card stock and see what falls out of that.

    It's turning into a lovely warm sunny day here, so might have time to grab a cuppa and sit outside for 10 minutes. :T Nice to enjoy the garden when the lawn's short and minus the weeds. :D

    Hope everyone has a good day and no doubt I'll catch up again later. :)
    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
  • beanielou
    beanielou Posts: 95,806 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy the sun :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Good evening,

    I've just read Martin's email and looks like technical faults on delayed flights are now part of the compensation deal - so I've got some letters to send off :j. It's with one of the awkward airlines reading their pay out rate, but nothing ventured, nothing gained. :)

    Struggled with another 'no pain migraine' today and visual disturbances, so had to get home before it got worse. Not good. Feeling rough tonight but better than earlier.

    Financials:
    - bank account checked
    - freepostcodelottery (both) - checked
    - Nectar adpoints - 4 pts and up to 38
    - Nectar Canvass - did a 40 pointer last night and a 20 pointer too, but the latter errored at the end :mad: and won't reload to complete it
    - Nectar card - up at £68.43
    - Inbox Pounds - up at £2.94. Cheque for £20.01 has now been processed, hoping that will arrive either Saturday or Monday. :j
    - Qmee - nothing picked up today as yet

    I've got to pop down to Morries tonight as DS's marmite is running very low - their own brand is £1.79 vs. £2.50 for the branded in Ald!.

    Hope everyone has had a good day - especially with the highest temps and sunshine in Scotland :)
    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 continuation of yesterday, waking with the same darn migraine :mad:. Have made a GP appointment for first thing Monday morning. I did manage to reduce it to a dull thuddy headache and get to a client meeting this afternoon.

    I went to Morries for their version of Marmite last night - so much for them reducing prices, it's gone up to £1.89 :eek:. Must update sig as it's out of the grocery spend.

    Financials then:
    - bank account checked - new account paperwork and card came in the post today :T
    - freepostcodelottery (both) - checked
    - Nectar adpoints - another 5 and up to 43
    - Nectar Canvass - half way through a 90 pointer it told me they'd met their quota :mad:
    - Nectar Card - up at £68.62
    - Inbox Pounds - up at £3.16 - this is going to be a slow road to £20 this time I can tell, after 2 fast ones!
    - Qmee - picked up 10p last night, might get something there later

    Mostly, I'll be watching England play tonight and have the Ald! strawberries and chocolate ready to munch on :D.

    Have plans to do a car boot sale on Sunday, though that might be scuppered due to a) possibly working Saturday morning and b) forgetting we're due at a local carnival Saturday afternoon. Oops. My being organised halo has clearly slipped :rotfl:

    Hope everyone has had 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
  • mizmir
    mizmir Posts: 3,710 Forumite
    Debt-free and Proud!
    Big sympathies. Hope your migraine eases - they are the worst.

    Hope doctor can help.

    Rest and take care of yourself.
  • Scotland is SCORCHIO :D Unfortunately I have been in workio :(
    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!
    Good evening,

    Thanks Miz - head is getting better day by day, still a vision issue but since Optician couldn't find it, I'm not sure GP will. May end up getting referred back to the hospital. Will find out Monday.

    Watching Italy play, it's not looking good for England is it :(

    Ah well, it's Friday and another gorgeous day and evening here. Washing drying on the line (only 3 loads done MiT :D) and work wrapped up for the week. How hot is it in Scottie-land? :D

    Financials:
    - bank account checked - regular saver has it's first £400 in :T
    - freepostcodelottery (both) - checked
    - Nectar adpoints - 8 more and up to 51, as usual from the 13 points available in the email, I'd already picked up the first 5 :rotfl:
    - Nectar Canvass - not looked at
    - Nectar card - still at £68.62
    - Inbox Pounds - up at £3.36
    - Qmee - another 11p picked up

    No spends so far today, though I've applied to do the Accounting AAT L2 course part-time from September :eek: Been years since I did any quals, so with SE work slowing down and DS getting older, it seems a good time to start building up towards looking for a job with an employer should SE dry up completely. I've got a stack of management qualifications, so this will widen my choices hopefully and maybe an entirely new career. So, awaiting an interview now to see if they'll let me on the course. :D If it's a yes, they'll be AAT sub and course fee - about £400.

    Life is certainly a roller coaster - even being debt neutral - and I worry too much!
    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
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    edited 21 June 2014 at 5:40AM
    Like the sound of the AAT course. I've bought an excel course and a sage course from groupon. Around £100 for the two. I'd [strike]Is[/strike] also really like a degree level qualification. Have a couple in mind but really want the cheapest/quickest. Want to keep my options open.

    I'm a worrier too - but there is a poem which says something like once life is like an old pair of comfy slippers/you stand still you stop living/growing.

    I'd like the boring life but it's not as much fun. :undecided
    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!
    That's a very good price for those two. What degrees are you thinking of? I can't find one that I fancy!

    More security/stability from having a job would be good. I think I'm allergic to comfy :rotfl: comes with the territory of single parenting I think!
    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
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    A couple of leadership level 6/7 courses (I think) but I'd like to do something IT related. Need to stop prevaricating.
    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
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