Mortgage free by 2023 (!)

debtfreeoneday

£7.05 cleared through prolific so £2.84 OP made and settee fund up to £554.03/£642.80

debtfreeoneday

Pinecone survey credited overnight so £3 added to the Amazon balance. 

Ipsos surveys reached payout again and £5 credited to Amazon - £33

Plodding on with Nectar surveys and balance on there now up to £27.08

Argument resolved with mystery shopping and £35 credited today so settee fund up to £589 / 642.80. Just need the £50 you gov payment to credit to pay that off now. 

Signed up for Mr T Christmas Clubcard saver and will top that up throughout the year. If I top up by £200 throughout the year I get £12 in vouchers so worthwhile doing that. 

I think I’m going to aim to get the food budget for December already paid for through Nectar vouchers and Clubcard vouchers. That means I can use the food budget In December for other things. 

debtfreeoneday

Well in typical me fashion with the end of a debt in sight I’ve pinched pennies from pots and paid off £642.80 for the settees today. Another debt gone even though it was interest free. 

Soooo next focus is a ‘pot’ that is in debt which is the gifting pot. To the tune of £800. 😬. Lots of reasons why this is the case and I’ve things in place so this doesn’t get repeated next year. It is what is is. So balance is £0/£800. Hoping this will be gone by end of February. 

South_coast

Ooh, well done! There's nothing like wanting to just get rid of something to make you get creative 😀 Good luck with the next challenge!

SandyShores

Good going with the settees, and nice to have the next challenge in sight.  

CathT

I love mini challenges, they really help with the focus and help us get to that all important bigger goal. 

debtfreeoneday

CathT said:

I love mini challenges, they really help with the focus and help us get to that all important bigger goal. 

It really helps with the focus and coming on here lots really focuses me. 

debtfreeoneday

Got the Ombudsman decision and they upheld two of my issues and didn’t uphold two. 

I’m happy with that as the two they didn’t upheld weren’t important, just points I was making to prove how truly rubbish the energy supplier was being.  So I have £75 compensation on the way along with a written letter of apology. Energy supplier have also been advised to accept the meter reading from the old supplier which means I don’t lose out on the overpaid final bill which due to them going out of business I still haven’t got the money back and was resigned to losing it  it’s about £80  

I’m pretty pleased with the whole process and outcome to be honest though I’d rather have not had it happen in the first place!  Be interesting to see if they accept the outcome though I can’t see why they wouldn’t given it’s the Ombudsman involved. Not expecting them to be super speedy about actually doing the credit / apology / altering the bill. 

Another pcone survey today and 80 points on nectar.  

SandyShores

debtfreeoneday said:

Got the Ombudsman decision 

Good news and outcome, well done for persisting.

Suffolk_lass

Gosh well done - biggest benefit is the monkey off your back that you have been carrying around (IYKWIM)