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Mortgage free by 2023 (!)
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But now there is a dilemma. the new phones are out from a certain company names after a fruit and both our contracts are up within the next 2 weeks. Looking at £200 each (ish) to upgrade.. decisions decisions!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)0 -
Swimming this morning after 12 months break and they both did well. Think with being that little bit older, they are more ready for it now.
Been pottering about the house as we agreed we would stop big jobs till next year now and do some finishing. Shelf made, doorstop made and some slabs re-cemented in that were loose. I've cut down the sunflowers and some of the flowers that were going over.
Rejoined WW today as they have a 50% reduction on, so with cashback, It's cost me £4 for three months online membership. I'm all ready to hit buy now on a new phone purchase as well. It will likely be cost neutral as I'll recycle my phone and they are offering more than the upfront cost will be.. Going for the bigger fruity phone this time.
DH is yet to decide what he wants, but we have a buyer for his phone, or if not, that'll be recycled as well. Monthly cost on contracts likely to increase £10 a month.. but that's ok..
Off to join an organised beach clean tomorrow morning.. early! DD loves doing beach cleans and we always do a 2 minute one when we visit a beach.. but first time we've gone to an organised clean. First meet is at 6am, not surprisingly we've passed on that one!
Happy Saturday evening all!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)0 -
Great - beach cleans are really important, well doneBaby Step 1 - £1k Emergency Fund - COMPLETE
Baby Step 2 - Pay off all debts except the Mortgage - £9,326 to go
Baby Step 3 - Save 6 months of expenses into full Emergency Fund - £4,300 to go
Baby Step 4 - Put 15% into Pension
Baby Step 6 - Pay off the Mortgage early
Baby Step 7 - Live like no-one else0 -
Beach clean was fun, quite a good turnout, best find was half a surf board by DH!
£35.35 tracked from car insurance, so Am@zon voucher requested for that.
Surveys quiet over the weekend, and it's been a busy one anyway.
Looking forward to a few hours of peace, pinteresting and surfing the web for all kinds of random rubbish.
PS - I reckon our application to switch banks has been successful as the cashback suddenly showed up as tracked (so that's nearly £200 on the way if so)
PPS - But I also reckon the letter from the bank didn't have sufficient postage on it, so I need to go get it this week and it'll cost £2 - would you complain to the bank if that was the caseDFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)0 -
It's funny how kids love things that most would see as work, then sometimes you spend a fortune on a day out and they hate it.
I think you should complain over the postage, but realistically I would never get round to it.Mortgage (Start Sep 2014)- £70,295/£0 - 100%
Overpayments - £48829.37 :j:j:j
Mortgage paid off Jan 20200 -
Turns out the unpaid postage letter was from the School! Why they didn't just send it home with the kids I don't know!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)0 -
debtfreeoneday wrote: »Turns out the unpaid postage letter was from the School! Why they didn't just send it home with the kids I don't know!
I'd complain to the school!
If it had have been from the bank I would definitely have complained - I had a unfranked letter once which I had to pay to collect and got £25 for my complaint:T
xI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £200 -
I sent it back today explaining why I hadn't returned the letter and enclosed the letter with the unpaid postage on it and NOTHINGDFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)0 -
How annoying with the letter from school :mad:Mummytogirls x0
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School continue to rattle my cage.. going to arrange to see another local school, was back at the GP this week and another referral done for him.. looking like we are off down the autism route now.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)0
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