I want to be Debt and Mortgage Free by 35!

lorriedriver1988

Today's MSE things, hopefully leading to being able to put more money towards short term saving targets:


* My mum came to visit, bringing lots of sweet treats for me and the boys and stocked up the cupboards more.
* My generous mum bought me some more clothes that I'll fit in
* DH used a money off coupon worth £1 to buy D**tol spray so was FREE
* Printed coupon off from freebies board to try and get another freebie cleaning product.
* NSD
* All meals from stores
* Placed one of our TV's on g*mtree, hopefully it will sell.
* Completed all surveys available.
* Cashed out on app trailers and points panel
* Submitted s&s scans and scanned receipt.
* Relisted some stuff on bay of e.
* Ordered a wooden train set for one of my DS's birthday or xmas from Mr T that was originally £30 reduced to £15, with 10% discount it was £13.50 and used cc vouchers to pay for it so FREE.
* Closed ISA and received £6 in interest- put towards flooring savings.


Have a good evening everyone

lorriedriver1988

Evening DFW's


MSE things for today:


* All meals from stores
* NSD
* Priced up items on H**ebase, B&Q and wi**es to take advantage of 15% off at H**ebase this Easter weekend. Will be buying tools needed for the floor using 15%, if I can't get any I need on freecycle.
* Laminate will be coming from B&Q as its the cheapest- just about have found enough money to cover everything!
* Completed all surveys that were available
* Towels washed at 30 degrees and placed on airers.
* Pay day today so split it up as required.
* Moved money around various account to get interest/perks
* Received 0.74 from app trailers - placed in B-savings.
* Off to look at HSBC now


Have a good evening now.

lorriedriver1988

Evening DFW's,


MSE things achieved today, not a lot really:


* Completed all surveys available.
* Washed clothes at 30 degrees and placed on airer
* Decided on April's savings targets, very ambitious.
* Rang my mum using free minutes rather than landline
* LSD of just milk and bread
* All meals from stores
* Trying to exchange CC vouchers for a meal out, but its not working.
* I am about to email MC to see where an item is.
* Found some flower seeds in a drawer.


April's savings targets


April's Help to Buy Monthly Savings: £280.05.
B- Savings (baby): Increase from £3.99 to £25.00
Loan Overpayment: £0 to £50
Pay for Flooring for extension: £106.38/ £140.00
Money for Garden Furniture: £0/£55


Night all.

lorriedriver1988

Hi everyone,


Its been a busy few days, with lots of MSE things:

• Went to Mr S whilst there is 25% clothing and bought clothes that DH needs for holiday, plus got a few baby items. I used £40 gift cards from surveys, so didn't spend a penny.
• Managed to pick up 2 packets of sleep suits reduced in Mr A from £7 to £4 and a packet of vests for £2.75. Paid for by gift card
• DH sold our 2nd TV set today for £60 after advertising it on gumtree- money towards flooring
• Completed all surveys available
• Went into Mr T to buy nappies and they had big boxes of nappies reduced from £15 to £6. With 10% discount they worked out at £5.40 for 136 nappies. I ended up buying 3 boxes. I'm under budget for the £35 I budgeted for nappies this month. Hopefully these should last until the end of May.
• Listed some items on bay of e
• Listed another item on gumtree
• Meal planned for next week from the 11th and done an online order
• Submitted S&S shopping data
• Opened ISA in DH's name before Sunday's expiry date.
• Received 2 x H@lifax rewards, plus interest from NW and TSB accounts- money transferred to H2B savings
• Redeemed 600 and 500 points from App trailers- has/will be transferred to B-Savings- increasing slowly.

lorriedriver1988

Hello everyone,


It has been a lovely sunny day here. Yesterday we went to Weston-Super-Mare for a day out, it was lovely. Did spend a bit of money, but will reclaim it from our piggy banks (we save up money through out the year from all our loose change for birthdays/ treats)


MSE things for yesterday and today:

• MIL kindly paid for lunch out yesterday
• All surveys completed that are available
• Have had to do four washes today, DS1 keeps taking off nappy in bed and wetting all the bedding. All washed at 30 degrees and put on airer
• Checked price of pull up pants, best offer I can find is 2 for £7. Though am tempted to try Mr T everyday value pull up pants.
• Researched breakdown cover, will be discussing with DH and going through TCB or £co
• Have had to order new toaster as our current one has broken, bought at half price, went through TCB and used giftcard from survey to pay- £20 saved
• Really want to get hair cut, but can't justify it so two options, have seen Gro**on offer or get DH to trim it. I am preferring option 2 as it doesn't cost anything.
• LSD of just bread, walked to A**I.
• All meals from stores
• Researching ways to stretch our money further.
• Received 0.64p from app trailers, transferred to B-savings
• Registered with more baby clubs.

lorriedriver1988

Evening everyone,


It has been a lovely day. I spent the day outside playing in the garden with DS's and going for a walk. It was lovely.


MSE things for today:

• A NSD day- have been playing in garden and went for a walk
• All meals from stores
• Completed all surveys available
• Found a Mr S gift card with £10 on it
• Look at Martin's email and saw an offer for a free eye test, will download for DH
• Found a moses basket stand in garage, it will be used.
• Listed an item on bay of e
• Received a bid on one bay of e item
• Received 0.32p from app trailers, moved to B-savings and redeemed more points
• Checked for MS
• Activated offer on B00ts app. I need to buy more vitamins and have a money off offer that I might use.
• Deciding whether to reserve items for DS1 for his birthday as on offer- will use vouchers.
• Updated signature to reflect new figures

Night all

lorriedriver1988

Evening everyone,


Another glorious day here.


List of small MSE things.


* Three loads of washing washed at 30 degrees and placed on airer
* All surveys completed that were available.
* Redeemed £10 Ar**s voucher from S&S.
* Received 65p from App trailers and transferred to B-savings
* All meals from stores
* Received leaflet through door from FF, so will be buying a few things in there instead of Mr T
* Played out in garden with my little boys in the sunshine.
* Decluttered and listed bedside drawers on bay of e
* Used TCB to send away for an envelope to recycle old phone.
* Rang HMRC to see if I will be getting tax refund, not sure atm.


Non MSE things


* Independent midwife came to visit today, so £50 spent.
* DH was meant to go to Mr S to use gift card on the way home from work to buy milk, bread and squash. However, he decided to buy it from Mr T and spent £6.02- will he ever learn?! So I'm over grocery budget.


Night all.

chocoholicqueen

Morning lorrie,

Wow loving how motivated you are, we have a few things in common, I had an extension built last year which included a wall being knocked down and downstairs toilet added. Meaning my garden needs a complete New makeover on a budget and its taken forever to get everything decorated, New floor laid and some new furniture, is just going to have to wait. It was 12 weeks of hell but definitely worth it.

I also bought my house using a homebuy scheme but mine differs to yours slightly, in that I don't have to pay the money back until we sell the house. Which isn't going to be for a very long time.

How much longer have you got till baby is born? I also have 3 kids, although mine are in their teens. Not as demanding as when they are little but they still have their moments.

I've just started a diary and have been reading through quiet a lot to get me motivated. My dream is to also be debt and mortgage free, not sure if it will ever happen but I'm certainly going to try .

lorriedriver1988

chocoholicqueen wrote: »

Morning lorrie,

Wow loving how motivated you are, we have a few things in common, I had an extension built last year which included a wall being knocked down and downstairs toilet added. Meaning my garden needs a complete New makeover on a budget and its taken forever to get everything decorated, New floor laid and some new furniture, is just going to have to wait. It was 12 weeks of hell but definitely worth it.

I also bought my house using a homebuy scheme but mine differs to yours slightly, in that I don't have to pay the money back until we sell the house. Which isn't going to be for a very long time.

How much longer have you got till baby is born? I also have 3 kids, although mine are in their teens. Not as demanding as when they are little but they still have their moments.

I've just started a diary and have been reading through quiet a lot to get me motivated. My dream is to also be debt and mortgage free, not sure if it will ever happen but I'm certainly going to try .

Thank you for your comment on my diary. I am due in July, exact date of delivery yet to be decided. Everybody on these boards are inspirational. I will have to have a look at your diary :-)

lorriedriver1988

Evening everyone,


I had hydrotherapy for the first time today. Hopefully this will make a difference to the pain I'm in, without taking painkillers that cause other problems.


MSE things:

• Completed all surveys that were available.
• Paid loose change and money into H@lifax- transferred to floor savings
• Received £3.78 from TCB and transferred to H2B savings
• Received 32p from app trailers- transferred to B-Savings
• Spent £1.10 on bus fare and 75p on make-up wipes and a bottle of water
• Redeemed £10 @rgos voucher from T*luna
• Went to Mr S and got a refund on t-shirt that DH wasn't sure about
• DH received some Nectar vouchers in the post for Mr S, receive 500 points on his next 3 shops, no minimum spend.

Non MSE


DH and I were in Mr S we used the giftcard to buy lunch items, doughnuts and pull up pants for DS1. Not a very good use of them.


Off to update signature and April's savings targets.