Mortgage free by 2023 (!)

debtfreeoneday

Bad headache woke me up but thankfully cleared up!

Productive day in that I renewed our Tv / BB contract and got it reduced by £4 a month but cancelled Netflix at the same time so £10 saved each month.  Also got National Geo added on for free and got the fee waived for the new ‘box’ that we need to use.  

Had a few snow flurries but nothing massive. Enough to get the kids oohing and ahhing though. 

Karmacat

Fancy managing to do actual negotiating on NYE!  Good for you!  Hope you've been having a lovely evening  

debtfreeoneday

Happy New 2021 - Here are my 2021 goals in a nutshell. 

OP £2500
Save £2000
Earn £1500
Do £365

OP £2500 - I will stockpile this until it reaches £1000 and then OP. When I do that the mortgage company actually reduce the monthly payment which after research of how our mortgage works is OK!

SAVE £2000 - To build our savings pot back up to £10k and then save an additional £1k making the total £11k

EARN - will continue to declutter but also be more savvy with surveys, bonus points and any earnings opportunities.  My aim is to finance a good portion of Christmas by what we earn in points. Any cash earned will be split 50/50 between OP and SAVE. 

£365 - Save £1 every day. 

Viking_mfw

Happy New Year!

debtfreeoneday

Sorted 1poll out and with all the new profile surveys and the £5 they’ve given as a gesture - I just picked up £7.55 which is a great start!  With surveys though I’m only going to add amounts to my money earned total when I can actually cash out. Same with cashback. It will mean my money earned money amounts are very variable but it saves me logging every 10p throughout the month!

debtfreeoneday

So money divvied up and given current tier situation and that some of the kids stuff doesn’t run in January as well as some of this building up once Christmas gifts were done -  pots are as follows so far

OP £184.83 / £2500

SAVE £107.60 / £2000

EARN £4.76 / £1500

365 £26 / £365

Also other earnings:  

Tesco clubcard £11

One poll £8.05

Amazon £48.53

YouGov 45p

Nectar £1.06

Always seems to get off to a good start in January and then goes downhill! 😂

becky170

Good luck for your 2021 goals...off to a fab start already! 

debtfreeoneday

becky170 said:

Good luck for your 2021 goals...off to a fab start already! 

Thank you x

debtfreeoneday

Strange old day. Trying to ignore the news but feel very uneasy. Full lockdown surely has to be coming. If so I just wish they would get on with it. 

Anyway trying to focus on what I can control. Sold a whole heap of books on we buy books and some locally. Should come in about £35 if all sell ok. 

Food delivery tonight was down on usual weekly costs. Still eating bits from Christmas. I can’t believe that was last week! 😱. I’ll leave the excess in the pot for now. 

Fingers crossed for a premium bond win or two on Tuesday!  

Karmacat

debtfreeoneday said:

Strange old day. Trying to ignore the news but feel very uneasy. Full lockdown surely has to be coming. If so I just wish they would get on with it. 

That's *exactly* how I feel.

Anyway trying to focus on what I can control. Sold a whole heap of books on we buy books and some locally. Should come in about £35 if all sell ok. 

Woo hoo!

Food delivery tonight was down on usual weekly costs. Still eating bits from Christmas. I can’t believe that was last week! 😱. I’ll leave the excess in the pot for now. 

I had a delivery booked for this week, but I'd kind of over-catered for the frozen veg so I've delayed it till next week.

Fingers crossed for a premium bond win or two on Tuesday!  

Yep, I often talk to the computer that picks the premium bonds, instructing it to give me the million pound win.  It's not listening