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  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Yeah it all seems to be down to whether they've signed you up as a valued member, if not, then it seems to take ages to get points on OW.

    Swagbucks used to be really good, could make £5 a week off that, but last year or so I've found myself getting disqualified for surveys more when I'm halfway through which I find very frustrating, and while the daily bonus thing is good, it started stressing me out that I had to do it every day to get the super bonus at the end of the month

    As long you're happy then it's all good :) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Thank you! I'll have a look into OW and see what happens - worth a try :)
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    kirtsypoos wrote: »
    Thank you! I'll have a look into OW and see what happens - worth a try :)

    I hope you get lucky :) xx

    My goodness the weather is awful this morning, the wind lifted the pram a few times when I was taking DS to school, DD didn't like it at all, we need to go back out in 10 mins, we're off to meet some people at soft play

    Done my OW survey's for this morning and just received another £2.50

    Payday today woo hoo, OH is at the optician tomorrow so I can't do an overpayment yet till I know how much that is going to cost xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Morning all,

    How is everyone?

    Done my OW survey's got my £2.50 already, so that's another £7.50 since thursday :) they've ran out of survey's for me today so far, I might check again later, so I have £25 towards DS birthday present so far, I've got just shy of 6 weeks before I need to order it, I will def get another £10 (from Shop and Scan) and hopefully another £30 at least from OW, so will only have to pay £35 or so for it.

    OH was at the optician yesterday, we are now £240 lighter *cries* so the £140 we had to overpay this month is gone, and £100 is going to have to be pulled from the paint account

    A@DA is coming this morning, so I will have a little bit to overpay, need to do my meter readings. DS needs to do his homework.

    Other than that I'm not sure what we are doing today xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Shopping has been so have just overpaid £12.79 :) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • Save_me
    Save_me Posts: 37 Forumite
    Hello - well done on your constant overpayments! I've borrowed your idea and am going to use any money left over after doing the shopping to pay off the overdraft or put into savings. The trouble is, I buy the week's shop (Friday last week) and had to stop and get milk yesterday and some salad bits today. Do you wait until the end of the week to see if you need any more or do you just transfer as soon as A!da has been?

    BTW, I've subscribed for extra motivation!
    Debt Plan 2016:
    Total = £7,477
    CC1 = £1,670, Loan = £4,339
    Overdraft = £1,468
    Savings = £2,235 (aiming for £12,000)

  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Save_me wrote: »
    Hello - well done on your constant overpayments! I've borrowed your idea and am going to use any money left over after doing the shopping to pay off the overdraft or put into savings. The trouble is, I buy the week's shop (Friday last week) and had to stop and get milk yesterday and some salad bits today. Do you wait until the end of the week to see if you need any more or do you just transfer as soon as A!da has been?

    BTW, I've subscribed for extra motivation!

    Thank you :)

    It seems to work really well for us, and makes me feel better that I get to overpay something every week even if it is just a few pounds.

    Tbh that scenario hasn't come up, we've learnt to just cope without what I've forgotten till the next shop lol, I've been lucky and not forgotten/needed to get anything mid week (milk for example we buy 5 X 4 pints when the shopping comes which lasts us till the next shop?) so I usually overpay as soon as a@da have been, if I needed something that I forgot/ran out of I would prob just buy it and deduct that from the following weeks shopping money?

    Thanks for subscribing :) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Good evening, I hope everyone has had a good day.

    It's mine and OH's 9th anniversary today (I say OH, we aren't married yet, were engaged, but it's 9 years today since we met/had our first date) we're not doing anything special for it tho lol

    Found out yesterday that the county we live in is going to be one of the eight pilot councils that will get 30 hours free childcare for three year olds from September 2016 (it's being rolled out to all in sept 2017) I'm still not sure how I feel about it, DD is 3 in April, so she is one of the three year olds who can get it, she is more than ready to go, she's been asking already when she starts school lol, but I'm having trouble coming to terms with it and I think it's just cos it's a whole year earlier than I expected her to be not home iyswim (as she would have just been going for 15 hours a week so 3 hours a day whereas this will be the full school day like DS) I think it's a good thing for her, I think I'm just sad cos she's my baby baby if that makes sense

    I think it's a good thing that the government are bringing this in cos it wikk help a lot of people xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    Whoop £2.50 from OW this morning :) already in my amazon account.

    Going to do my bill spreadsheet, then stick some washing in and do some housework xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    happy anniversary :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
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