Mortgage free by 2023 (!)

debtfreeoneday

So sorry Ali.. I literally have nothing to wash.

Despite sun shining, we've had a few hours outdoors cleaning the gardens and washing stones! (I'm a Pinterest nut and I found a game on there I want to make for the littlies, but we need stones) They were more than happy to wash them, just need to paint them tomorrow.

Bought a few books from the B00k People site for little man for Christmas / birthday, Reduced down from £12, to £3.99, picked up an extra one to start a present box for when they are at School, assuming they might get invited to a party or two. Also searching for cheap leg0 base plates for another part of his Christmas present.

Tempted to snuggle with them on the sofa and shut my eye for 5 mins, they've had me up for 2 hours for the last two nights, first girlie and then little man. Postie always arrives between 1-3 and I suspect a parcel is due today / tomorrow, so guarantee he will wake me up!

shangaijimmy

Good thinking planning for birthday party presents. Go on have a snooze, I know I would given half a chance!

debtfreeoneday

I did SJ, about 15 minutes power nap! Feel more awake now!

Sneaky old me applied for the S@ntander 123 CC. I did a few months back, wasn't totally with the cashback stuff and cancelled it when I realised there was a fee, but somehow the cashback still tracked.. and I got £12.50.. yay.

Now I've got the bank account, it makes more sense and when CC1 and CC2 are gone, I want one CC just for backup and it makes sense for it to be the same as the bank. Plus I will use it for petrol and food spending, and dept stores for Birthday/ Christmas etc.. So I've gone through TCB, don't expect to get the cashback again, but you never know.

Now the reason I've done this is SOO un - MSE. The bank cards arrived today and I just love the colour. Had the same black ones from FD for 15 years and I'm wanting me a bit of colour in my purse, so that prompted the move!! So fickle!

debtfreeoneday

Been awake since 2.45am and it's now 4.15am so I'm up and on here, off to work for about 7am and I'm sure I will regret the lack of sleep later, but my sleep is sometimes erratic when I've got things on my mind (don't know what it is tonight though)

Seen a few of you talking about P1necone, think it's hard to join this? Sure I've looked before and it said no new applicants etc, anyhoo I've emailed them asking to join and I'll see what they say. If you don't ask....

£1.23 TCB has tracked, so requested an @mazon voucher as you get 5% more on that, currently have £13 ish sitting in @mazon and need it to be £20 to not only get free postage, but I've got a few things sitting on my wish list for little people for birthday and Christmas.

Bank accounts all neutral, logging in daily at the minute to track everything and make sure all is Ok for this transfer on Friday, still need one more letter from S@ntander to be able to log in, if that doesn't arrive today, I'll phone them tonight. Still feel unclear on what, if anything I have to transfer. I know they effectively redirect everything for 18 months, but what do I need to alter during that time - does anyone know?

Few things put on bookface selling site last night, only interest in one, so will put the rest on fleabay today.

Apart from that, that's all from me. Day in work after three weeks off.. but then I am off again for the last two weeks before School returns. Quite like my days in during the Summer, it's quiet, I can listen to music and can get loads done, though as GCSE results are out tomorrow (we get them today at school), expect a few people in to see how their groups have done.

And if you are still here reading, well done - I waffle at 4am in the morning!

debtfreeoneday

Work done for another two weeks!

The bad news - my tax credits are stopping :-( I've had the last payment so just had to rework the budget by £70.. *%&$!!

The good news, I got the final bit of paper from s&ntander, so can log on tonight and move some money across.. And the £35.35 tracked on TCB for moving my account, so just need that to get to payable and hopefully take another @mazon voucher.

Letter arrived from FD saying understand you are switching, make sure you account is in credit - see ya!!

Would have thought they would have least tried to retain a customer after 15 years!

amycool

debtfreeoneday wrote: »

I did SJ, about 15 minutes power nap! Feel more awake now!

Sneaky old me applied for the S@ntander 123 CC. I did a few months back, wasn't totally with the cashback stuff and cancelled it when I realised there was a fee, but somehow the cashback still tracked.. and I got £12.50.. yay.

Now I've got the bank account, it makes more sense and when CC1 and CC2 are gone, I want one CC just for backup and it makes sense for it to be the same as the bank. Plus I will use it for petrol and food spending, and dept stores for Birthday/ Christmas etc.. So I've gone through TCB, don't expect to get the cashback again, but you never know.

Now the reason I've done this is SOO un - MSE. The bank cards arrived today and I just love the colour. Had the same black ones from FD for 15 years and I'm wanting me a bit of colour in my purse, so that prompted the move!! So fickle!

I'm sorry to have to break it to you but whilst the Santander debit card is red, the credit card is...black.

Assuming it hasn't changed. :rotfl:

Sorry to hear about the tax credits - £70 is quite a lot to lose, but I know lots of people will be losing even more after the Tory changes.

debtfreeoneday

amycool wrote: »

I'm sorry to have to break it to you but whilst the Santander debit card is red, the credit card is...black.

Assuming it hasn't changed. :rotfl:

Whaaaat? Stop bringing me bad news Amy, so not cool!!!

debtfreeoneday

Got access to the new bank account, and transferred half our pennies over there safely. Also been good and set up DD's for the water and council tax.

Tried to get a few free pence and connect palpay to the new account, but have failed on that so far!

amycool

debtfreeoneday wrote: »

Whaaaat? Stop bringing me bad news Amy, so not cool!!!

Just think of the extra money!!

sarahevie1

Sorry to hear about the tax credits, £70 is a lot to lose.

I just noticed that you have a 9 year mortgage, that's the length I'm hoping for with my remortgage. We can be buddies in the 9 year club :j