Mortgage free by 2023 (!)

South_coast

Missing cashback resolved the same day - that's a massive win!!! Mine always take months, if not longer. I've just had one closed on me for approx £30, which they told me they would query in July 2019. I'm sure they've only decided they now can't help because they're fed up with me chasing them 🤦‍♀️!

debtfreeoneday

How frustrating SC. I think because it was their £2 bonus offer they were able to deal with it quicker I guess. 

debtfreeoneday

Productive week in terms of getting my to do lists done. 

* write letters to close their CBS account and get them posted✔️
* return parcel to PO ✔️ Just need refund to hit now and I’m already chasing this retailer for a previous refund! 😬

* NSD ✔️
* chase refund from FF if not in the bank today✔️  They have requested the refund again. Should be with me 3-5 working days 

Todays list 
*NSD
*take item of clothing back to see if I can get partial refund on it. No more in stock, DD loves it but there is a section where the stitching didn’t catch. It’s obvious it’s a sewing machine error so I’m hoping they will fling me £5 or something. I can try!
* chase WF for first refund 

debtfreeoneday

Just updated the mortgage figure. £52,172.91. I reckon it’ll be April before that goes under 50k mark. So ready for it to say 4… something. 

Suffolk_lass

When I got to £50k I started mapping out how much interest I was saving over the lifetime of the mortgage, with each OP I made and also the aggregated total savings - I did not compound it, I took the new payment from the old and multiplied that difference across the number of months left - it was VERY addictive!

debtfreeoneday

Suffolk_lass said:

When I got to £50k I started mapping out how much interest I was saving over the lifetime of the mortgage, with each OP I made and also the aggregated total savings - I did not compound it, I took the new payment from the old and multiplied that difference across the number of months left - it was VERY addictive!

Yikes!  It will feel so so close but yet still so far!

debtfreeoneday

Up to £10 on prolific when they clear. £2.91 requested on TCB on the way to the bank and £5 on ipsos and well on the way to the next £5. 

So all in all, not a bad day to end the week. 

Mortgage payment recalculated due to the large OP and it’s down by some £14 a month. At the minute I’m only rounding up to the nearest £5 and the rest of the pennies are heading to the credit card to pay off the OP cash advance. Currently £63.95 / £914.17. Nearly all extra pennies are heading to the gift account to pay that off, that is currently £467.47 / £800

debtfreeoneday

£7.74 in from prolific and gift balance updated with a little sent to OP CC. 

Snaffled a pinecone survey yesterday and two on YouGov as well. 

finally got the refund from FF. No luck with a partial refund for the damaged top. It was return it or stick with it and DD really wanted it so I fixed it up.

Need to sort through library books and take a load back today and pick up cat food. Really struggling to find it in tins with gravy!  

debtfreeoneday

We’ll probably a waste of a Saturday. Did very little and had a late night which is unlike me. 

Lots of future related discussions going on here which were interesting. January should turn out to be an interesting month. I’ll share more when I can. 

Anyway back to Sunday. Plan is to move more, eat less and get into the garden / greenhouse and tidy them up a bit. 

SandyShores

Hope you had a good weekend debtfree.  Sometimes you just need a day doing nothing much.  I pulled a few weeds up on Saturday but am avoiding most of the garden as its such a soggy mess.  Still at least the nights are getting lighter (well a few seconds/minutes a day) and in about 8 weeks times Spring should be on the horizon.