Mortgage free by 2023 (!)

debtfreeoneday

£3.11 TCB requested. Great that a referral bonus of £12 from 18 whole months ago went to confirmed over Christmas. Cant even remember who I referred but they obviously aren’t using TCB very much! 

Picked up a few surveys over Christmas from Nectar and Prolific with £8 waiting to be validated on there. 

So begins the week of confusion and cheese when I will have no idea what day it is and eat too much cheese!

In other news the energy supplier accepted the Ombudsman decision but has another 3 weeks to implement the agreed outcomes. The £75 credit they will put on towards the deadline I’m sure but the recommendation they adjust the meter reading isn’t set in stone and was highly recommended by the Ombudsman so I’ll be interested to see if they actually do that. 

Cant decide whether to take £75 out of the energy account when the credit arrives. 🤔

CathT

I hope you all had a wonderful Christmas, ours has been quiet but I'm now feeling re-energised. It really is over so quickly isn't it. The 0% cc tip has got me thinking so I might get the laptop and my spreadsheet out later. 

South_coast

debtfreeoneday said:

So begins the week of confusion and cheese when I will have no idea what day it is and eat too much cheese!

Ha, love this 🤣! I've been confused about the actual day since Christmas Eve, so there's no hope for me I fear!

debtfreeoneday

So here is my final review of the year:

Goals for 2021

✔️ SAVE £3017.67 / £3000

✔️ OP £3827.25 / £3000

✔️ EARN £1836.99 / £1500 

Closing mortgage balance - 53,173.91

Mortgage percentage left to pay - 21%

83 months left. 

Karmacat

Lovely to see the figures on that review, congratulations!

Suffolk_lass

Karmacat said:

Lovely to see the figures on that review, congratulations!

What KC said! Well done you 

debtfreeoneday

Bit of a sort out at home and another £13 worth of books traded with Ziffit but won’t get that credit until January. 

Fees like our last lazy day for a while now. 

debtfreeoneday

I must be a survey addict. It made me happy yesterday to have surveys to do. Didn’t feel like I ‘earnt’ anything really over the festive break. 

Pennies should hopefully start to trickle through at the start of next week. 

Also have £1001 sitting there ready to be OP which is burning a digital hole in my pocket!

debtfreeoneday

Happy New Year all. Predictably I was sound asleep at midnight. 

We were out all day yesterday and so I didn’t get chance to check anything from Thursday or yesterday but the pennies came through good. 

Ziffit - 18.40
prolific - £6.91
ipsos - £5
store rewards - £2
shopimum - £4.26
TCB -£3.11

And I’ve just sent our OP of £1001 to the mortgage now that our new OP year has started.  Have started saving to pay the CC back for that advance £56.68 / £914.17

Continuing to work on paying off the gift fund and that is sitting at £468.12 / £800. This WILL be gone in February. 

pennywisepoundstupid

Happy New Year DFOD xx