Mortgage free by 2023 (!)

SandyShores

I'm not wishing time away, but its lovely to be planning for next year and well done on your goal achievements.

I've also started online shopping via my BA account.  I'm not even sure why I have a BA account (shopping.ba.com) but I think it must be to do with Avios (and I can't even remember why I have Avios).  So I don't know how you get an account.  But when you shop online through the BA online site you earn Avios points.  But the best thing is that you can then turn Avios into nectar points.  All the big stores are on there and I've already converted 250 Avios twice into 400 nectar points.  They take a few weeks to convert but they do arrive. 

debtfreeoneday

SandyShores said:

I'm not wishing time away, but its lovely to be planning for next year and well done on your goal achievements.

I've also started online shopping via my BA account.  I'm not even sure why I have a BA account (shopping.ba.com) but I think it must be to do with Avios (and I can't even remember why I have Avios).  So I don't know how you get an account.  But when you shop online through the BA online site you earn Avios points.  But the best thing is that you can then turn Avios into nectar points.  All the big stores are on there and I've already converted 250 Avios twice into 400 nectar points.  They take a few weeks to convert but they do arrive. 

Ooh. I’ll have a look. Thank you 

debtfreeoneday

I’m pulling my hair out with these energy suppliers. I’ve resorted to contacting the administrators now for our old supplier but they haven’t responded. I can’t believe they can just take our money like this. 

Spent ages collating all the evidence for the Ombudsman complaint against current supplier and uploaded all of that so that’s a waiting game. 

SandyShores

That's awful debtfree.  We had something similar when our supplier went down and the new supplier was awful.  We waited about two years and eventually got around £500 refunded - shocking really.

debtfreeoneday

Well I think if we get nowhere with the old supplier I’ll take the argument to the new supplier that we had paid electricity up to the estimated rate already. 

debtfreeoneday

No PB win for us this month. Been a spendy month already and it’s only day 2!  Dog needs vaccinations and the chimney sweep is due as we think we’ve got a blockage up there. 

So new goals set for 14 months. In a way these aren’t challenging as I haven’t changed the mortgage OP one and I’ve decreased the savings one. We’ve had a change to income of late meaning we are £250 down a month so budget has had to adjust accordingly. 

OP £2500

Save £1000

Earn £1750

SandyShores

Its good to know they are achievable goals.  Hope you make progress with the electricity supplier soon, I really feel your frustration.

Karmacat

Well, with income being down, goals need to shift as well - I must say, you're doing well.  And that avios turning into nectar points is interesting as well - I'm probably going to shut down this credit card that gives me a few nectar points, so that might be something for me to look at soon.

And wow ... goals for 2022!

debtfreeoneday

Plowing through nectar surveys to build those up to achieve the Christmas challenge. They credit against the nectar card quite quick so worth it. 

Also took advantage of the TCB £2 bonus yesterday and bought something I needed using nectar vouchers so I think I saved £4.50 on total. It went to payable overnight which was super quick. 

debtfreeoneday

£4.38 credited overnight in prolific so £7 something withdrawn. Money earned so far this month is £17.50.  Still waiting for £25 to credit from 1poll and I’m within a few pounds of £50 from YouGov. 

Doing loads of nectar surveys to increase my points to try to achieve the Christmas challenge. I do find their surveys tedious but 104 points credited from over the weekend and I earned another 84 today. Currently on 536/800 to get to goal #2

Annoyingly I’ve visited argos at least 3 times but the points take forever to register across on nectar as that would be another 100 points. 

Quiet day today. Needed as one child has woken like a bear with a sore head today.