Mortgage free by 2023 (!)

debtfreeoneday

Where has the week gone? Germs and work have conspired to keep me busy!

Sat survey updates:
P-base - £10.70 (at payout, waiting for last survey to clear)
Ips0s - 1093 points
Y0ug0v - £43.00
Pr0f)lic - £4.85
1poll - £3.40
M1ntv1ne - 951 points
cr0wd0l0gy - £4.96
m1ndm0ver - £9.90

Mortgage OP day and £2.70 sent to the mortgage, meaning the OP for this year is now £1,437.10.

Apart from that, all quiet here, I'm trying to kick a bug, DS is coughing, DH is feeling under the weather. Difficult week with DS at School, the School have said again they don't want us to pursue a private referral feeling they are managing DS, but then when they have a bad day and tell me all about it, I feel useless as there is nothing we can do to modify the situation until he has had his assessment.

Planing a quiet weekend, some fleabaying to do and some crafty stuff with the littlies and of course, blinking homework.

Happy Saturday all!

CathT

Hope you all get rid of your bugs soon. No plans here either, just plan on being outside as much as possible.

I'm at £41.25 on yougov, we might hit payout together!

mummytogirls

Hope all ok with you DF0D xx

debtfreeoneday

Phew, hectic few weeks and I've hardly been on here.

1poll payment arrived so CC3 is now down to £198.38 - so chuffed to get that under the £200 mark.
£4.88 OP off to the mortgage today.

Long time readers might remember 15 months ago, we were never billed for our water tank being emptied, some £300.. well in time I spent the money / repaid debt.. it looks like they've missed us again from 5 weeks ago - question is do I spend the pennies and clear CC3? I'm really tempted to. It's a bit of a shoddy company, not very organised and a bit hit and miss, but it's cheap and it gets our tank emptied.. what to do, what to do... to give them their due, the bill is like clockwork within a few days of the tank being done.. so I know it's been forgotten.

Been really busy at work, realised this week we only had our incremental increases, not the cost of living one which is still being decided upon, so could have a further pay increase due backdated which would be nice.

Plodding on with surveys when I can.. had a telephone survey with Y0ug0V yesterday and got £1 for my trouble so pleased with that.

Apart from that, the sun in shining, my washing is out and drying and I've a stack of work to do so best get on!

debtfreeoneday

Decision made, CC3 is gone!! :j:j

Another £950 of debt gone forever!.

The extra left over from the non paid water tank bill has gone back into the utilities account so I have about £100 in there should the bill turn up and I'll worry about that if and when it happens!

So onto CC5 I go.. due to my haircut / colour splurge, the starting total is now higher than it was at £1081.28.. but I'm on it now.. next hair cut due in august, so that can be my treat when the CC is clear. August it is then, the new target date for clearing just over £1000.

Will never get this under £1000 this month, so I'll go for £1049 or under.

Need to think about what to do with credit cards, I want one after the debt is gone to do the food shopping / fuel purchasing on and any large items - for the purposes of cashback or getting points, Mr T is rubbish now the boost is going so any thoughts out there as to what is a good one to get?

shangaijimmy

Great decision id say!!

Same dilemma as me over CC and Tesco. American Express is always worthy of a go i suppose? My issue is do Aldi take it?

hiddenshadow

Do you have T$B accounts? Their 5% cashback on contactless is good.

debtfreeoneday

I'm sure Amex was a pain for the places that didn't take it SJ..

I don't have T$B and not sure I want to be opening another bank account right now.. but worth a ponder maybe.

Just checked the mr T clubcard balance.. and have £20 ish to spend in the boost, so £40 when it goes live.. will see if I can pick up some bits for birthday / christmas for the littlies.

Snaffled a £5 survey on pr0filic today.. quite interesting in places..

debtfreeoneday

Saturday survey round up:

P-base £0 (screened out of every survey this week)
Ips0s - 1163 points
youg0v - £43.50
Pr0filic - £10.50
1poll - £5.45
Cr0wd0l0gy - £4.96
M1ntv1ne - 1050 (waiting for points to clear to do a payout)
m1ndm0ver - £9.90
P-cone £4

debtfreeoneday

So after saying I would only get under £1050 at a push, I've done a bit of jiggling and CC5 is now at £1058.66 and getting under £1050 will happen as I'm waiting for a p-base payout to hit my account.

It will still be a big ask to get under four figures though and next month is going to be hard debt paying wise as we have car insurance to pay and DH's CC has taken a hit again this month with just silly spending which we absolutely have to stop doing!

Hoping I would hit payout on Y0ug0v within the next month so at least that £50 could go on there.

Emergency fund up to £7.66.

Other dilemma is that family have said not to rush to pay them back the loan, now this could mean actually don't bother paying us back, but I feel really bad not doing that. my inlaws are quite elderly and don't need the money and would rather help us, but I don't know whether to take them at their word and not rush to pay it back or continue full speed ahead after CC5 and pay them back with the hope of being debt free by end 2017. Oh I'm answering my own question, I just need to pay them back asap as it doesn't feel right not repaying it and if we don't do it now, then we never will.

Off to squeeze the last few visits from our NT membership.. really sad this is ending soon... it has been such a nice thing to have. So off to a place today for a long walk, not looking really hot, but dry and that's all you need. Need to finish Mr T order tonight when we are back and that's Saturday really.. have a good day all!