Mortgage free by 2023 (!)

amycool

NT membership is definitely worth it isn't it? We haven't used ours half as much as I expected (DD gets anxious at trips out) but even the few trips we've done so far has saved us tons of money. I wonder if you could ask the in-laws for a family pass this Christmas like I did with mine? It saves them having to think of gift ideas!

debtfreeoneday

I will be so glad to see the end of this term, things are way too manic for my liking!

I've stopped using CC5 as I need to get an accurate picture on there as to what we owe.. so using another for everyday spending which we pay straight off, so I'll get an up to date figure in the next few days on CC5.

May payday is looking dreadful for debt payoff, we are cutting up DH's CC tonight. blasted thing..still hopeful of hitting August though as CC5 clear date.

£8 sent to the mortgage as an OP today..

debtfreeoneday

£4.30 in from Pr0folic so sent that to CC5 and £1 towards the next mortgage OP. Needed to buy a few tops for work, but have done so from fleabay as they are bigger sizes than I care to admit to and *when* I lose some pounds, I will sell them again!

Spent all of our Mr T boost vouchers and bought a new saucepan, a new frying pan and some hama beads for the littlies. Also had to give in and buy myself a new pair of work shoes - £15 from Mr T.

Need to sort out car insurance renewal this weekend and need a ton of birthday cards and presents to be bought.

Also my app on the phone that I use for a calendar has been withdrawn, I can't find one I like at all, so back to a paper diary I think.. unless anyone has any recommendations for awesome diary apps?

shangaijimmy

Car insurance = cash back!!!!

debtfreeoneday

Saturday survey round up

Pbase - £1.60
Ipsos - 1298 points
Y0ugov - £45.50
Pr0filic - £1.60
1poll £7.00
M1ntvine 90 points
P1nec0ne - £4
cr0wd0l0gy £4.96
m1ndm0ver £9.90

So a few payouts this week.

Tipping down here, waiting for OOH Doc to call as DD is poorly. Will be an at home day for sure. But house needs cleaning, I've a ton of washing to get done and actual work, which I didn't get done yesterday as DD was home.

LadyGnome

Hi DFOD I've been reading through your diary over the last few days and I am very impressed with your progress. If you think back 10 years would you have ever imagined things would be in such good shape?

One thought with the family loan. Why don't you save the repayments in a high interest account and when the £7k is there you can discuss with the in-laws what they want. If they do need it back then you are in a position to repay them and if they don't then you have a ready made emergency fund and a chunky OP.

debtfreeoneday

Thank you Lady Gnome, that's a really good idea.. thank you for reading my drivel! I'm sure I talk a lot of rubbish most of the time!

debtfreeoneday

DD has got tonsillitis so should be feeling better tomorrow. OOH GP was not nice, DD grumbled when she saw it was the white medicine (she is allergic to penicillin but knows she has to have the alternative if she wants to get better), so the GP said, it's your Mummy that won't let you have the nice medicine.

I was like !!!!!!? She's bloomin allergic to the stuff, why would you tell her it's my choice not to give her 'nice' medicine. Luckily DD understands, but stoopid GP!

Chilled out tidying and washing at home. Good news that we have an appointment now for DS, still 2 months away, but a date is in the diary, slightly frustrating it's after School has ended for the year. but it's progress.

Right, food shopping to do, car insurance to find and two job applications to do, two part time jobs have come up that I can't ignore.

Oh, those of you clever people who understand power comparison stuff. How do I work out my annual usage if I haven't got records back that far? Obviously winter is high usage and I've a August - Nov bill, but want to make sure I'm comparing actual figures, otherwise I could end up moving to a dearer tariff?

CathT

There are a couple of mini mfw' not well,hope she's better soon.

bambisonamission

Hi DFOD,
I've been subscribed and lurking for a little while and like LadyG I read your diary (in fact it was the first one I read all the way through) and not drivel at all. I'm sure we all think that.
You are very inspiring.
Hope DD is feeling better soon, my DS was sick over night so I sympathise, it must be the time of year again!
With regards to the usage, do you have last years May-Aug bill with a meter reading? Or an online meter reading with your supplier? Could you use that to get your usage?
Bambi