Mortgage free by 2023 (!)

badmemory

It is definitely making me think about solar.  The big trouble is getting someone in to quote when they can tell you don't have a clue what you're talking about let alone what they are saying.  There is no way I could have a heat pump as there would not be enough outside space without it significantly annoying the neighbours.

debtfreeoneday

Karmacat said:

Another 1% of the house owned by you!  That's great!  And wow, £1 is your average daily useage?  Your solar panels are definitely the biz.

We have seriously cut down our usage though this month KC. Washing machine on in the middle of the day when the solar is generating. Cutting down the length of showers. Batch cooking and cooking earlier in the day. So it’s probably as a result of that as much as the solar. 

debtfreeoneday

badmemory said:

It is definitely making me think about solar.  The big trouble is getting someone in to quote when they can tell you don't have a clue what you're talking about let alone what they are saying.  There is no way I could have a heat pump as there would not be enough outside space without it significantly annoying the neighbours.

I can understand that for sure.. do you know anyone that’s had it that could recommend a company for you?

debtfreeoneday

£25 PB win this morning.  Always a nice start to the day. 

debtfreeoneday

Up to £60.76 free money this month. Few amazon vouchers from survey sites nabbed along with cashback and prolific payouts. 

Somewhat relieved with the announcement about energy this lunchtime though it’s still an increase on last winter. 

debtfreeoneday

Managed to join the shop and scan panel so £10 in today from sending a test barcode to them. Also £6 from pinecone recently for a survey and then a product test. Prolific also busy and up to nearly £100 free money this month. 

Decided to run our radiators today whilst the solar is generating to see the cost / bleed them etc. Currently still in negative cost so that’s good. 

debtfreeoneday

September update 

All spare money at the moment is being flung into savings pending the outcome of the financial decision we are awaiting which should be made by end of October latest. It’s actually due Friday but there are delays at the moment. 

21/22 goals 

SAVE Dec 22 Food budget £388.80 / £400

OP £1093.47/ £3000

(we have £2000 waiting to pay off the mortgage but waiting for financial decision)

SAVE - carpets £735.87 / £1000

22/23 goals 

SAVE - £20.80 / £1000

Mortgage balance - £46,922.41

Mortgage percentage left to pay - 18%

74 months left

September monthly interest - £93

+

-mortgage under £47k

-monthly interest well under £100

-started to focus on 22/23 goal of repaying £1000 we borrowed years ago. 

No negatives as I’m all about focusing on the good stuff now!  

I made £226 this month and £800+ has gone into savings. It’s the double child benefit which is always a nice little bonus. 

Roll on October!

pennywisepoundstupid

Great that you are focusing on the positives and i have my fingers crossed that you get to throw the 2k at the mortgage xx

debtfreeoneday

Pending financial decision likely to be early December now which is frustrating but can’t be helped so I’m plodding on earning what I can and saving as much as I can. 

 Have started birthday and Christmas shopping  (most birthdays fall between now and Christmas so it’s always an expensive time) but I’m making good progress and feeling confident I’ll come in under or at least on budget.  A few little bits left to find for my little people and some token gifts for friends and I’m done. 

£36.30 earned so far this month. Awaiting £25 in from 1poll. No PB wins this month so I’ll be lucky to make £100 I reckon. 

debtfreeoneday

Finally managed to get ipsos to move over the points from a dormant account to my current so reached payout again there. Money earned up to £56.53. 

Issue with grocery shop last week and Mr T really randomly coding things on the receipt so ended up with £12 goodwill coupon which was a bonus.  The guy ended up asking me how much did I want to resolve the issue!  

Nearly at first Christmas reward with nectar even if that did involve me putting through the shopping in 6 batches this week to get the 6 visits to Sainsburys points!!