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I want to be Debt and Mortgage Free by 35!

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  • April's savings targets- first posted 1/04/15


    April's Help to Buy Monthly Savings:£0/ £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


    Updated figures 09/04/2015


    April's Help to Buy Monthly Savings: £28.62/£280.05
    B-Savings (baby) £6.78/£25.00
    Loan Overpayment: £0 to £50
    Savings for flooring: £175.72/£350.00
    Savings for Garden Furniture: £0/£55


    Need to try harder.
    Savings for H2B Loan Annual £10, 774.65/£40,000Emergency Fund: £0/£1000 Car Maintenance Fund £0/£900
    Mortgage:October. 2013: £87,264 Sept ‘19 £72,812.65
  • Evening everyone,


    A few MSE things for today:
    • Completed all surveys that were available
    • Ordered new curtains from Next going through £co and using gift card to pay
    • Rearranged furniture in house, so that we can have a study without compromising no of bedrooms
    • Listed another item on bay of e.
    • Making list of house furnishings I want to buy- so I can use vouchers/ take advantage of offers.
    • Went food shopping today- £5.89 in FF and £14.38 in A*di, hope Mr T order comes in on budget.
    Not much today, but all going in the right direction.
    Savings for H2B Loan Annual £10, 774.65/£40,000Emergency Fund: £0/£1000 Car Maintenance Fund £0/£900
    Mortgage:October. 2013: £87,264 Sept ‘19 £72,812.65
  • Evening everyone,


    Small list of MSE things today, but definitely in right direction:
    • Completed all surveys that were available
    • Redeemed £5 paypal from Swa**ucks- will be transferred to H2B loan when it arrives
    • Sold an item of furniture for £25- will be split between floor savings and garden furniture
    • Sold piece of clothing on the bay of e for £11.01 minus fees etc - will be transferred to H2B savings
    • Received another bid on item on bay of e
    • DH bought kiddies sun cream using B**ts points
    • Used a**zon gc to buy Winnie the Pooh stickers for DS1 new bedroom
    • Listed dining table on gumtree
    • DH picked up the curtains I ordered, but not suitable as just too 'girlie' for a boy. Will be returning and will order a different pair
    • Redeemed more points from app trailers- will be going to B-savings when received
    • All meals from stores
    • Washing on at 30 degrees and placed on airers.
    Non MSE


    • Mr T order was collected this morning by DH after finishing work.
    - FF= £5.89
    - Aldi= £14.39
    - Mr T= £24.13


    Total= £44.40 (£9 over budget)


    Next week's budget £25 tops.


    Night all.
    Savings for H2B Loan Annual £10, 774.65/£40,000Emergency Fund: £0/£1000 Car Maintenance Fund £0/£900
    Mortgage:October. 2013: £87,264 Sept ‘19 £72,812.65
  • Evening DFW's


    MSE things for yesterday


    • Put 2 washes on at 30 degrees and placed on airer
    • Completed all surveys that were available
    • Sold another item on the bay of e
    • Received another bid on an item
    • Posted item that sold, transferred £11.02 transferred to H2B savings
    • Received £5 pp from swagbuck- transferred to H2B savings
    • Received 32p from app trailers- transferred to B-savings
    • Paid in money from selling furniture, £15 to flooring fund and £10 to garden furniture fund.
    • Bought weekly bus ticket, will be using to get around everywhere
    • DH spent £15 on diesel, went to Mr S as cheapest and got 120 nectar points
    • Received £10 voucher in post from survey site, stashed away
    • Spent £1.44 on cough mixture for DS2. DH was meant to take DS2 dr's appointment, but was late, as parked in Mr A car park to save money.
    • Used free minutes to ring mum.
    • Received money off coupons for baby stuff from Mr T, will definitely use two/three.


    Still to do.....
    • Wrap parcel
    • Check bay mapper on mse for baby items
    • Move more money from pp to bank account
    • Try tol survey and nectar
    • Look on Mr T
    • Check mobile usage online
    Savings for H2B Loan Annual £10, 774.65/£40,000Emergency Fund: £0/£1000 Car Maintenance Fund £0/£900
    Mortgage:October. 2013: £87,264 Sept ‘19 £72,812.65
  • Evening DFW's,


    MSE things for today:


    • Received £3 from pc survey, transferred to H2B savings
    • Received 33p from app trailers- transferred to B-savings
    • Completed all surveys available
    • Received £10 ar**s voucher from s&s
    • All meals from stores
    • Washing on at 30 degrees and on airer
    • Redeemed £50 from yg
    • Had to buy some heat pads for DH, used voucher on b00ts app to get £1 off. Spent £4.99
    • Claimed free mam baby bottle through b00ts app (worth £7.99)
    • Went to Deb**nhams to buy MIL birthday present, managed to get the present in the Blue X sale with 70% off and buy DS's shorts- all for £27.00 and used gift card from survey to pay for it, with £3 left on gift card
    • Redeemed 500 points from app trailers.


    Non MSE


    • DH spent £2 on parking
    • We spent £2.17 in B&M on BBQ sauce, drink for DH and snack for DH. Will be coming out grocery budget
    • Spent 90p in A**I on crumpets and bread
    Savings for H2B Loan Annual £10, 774.65/£40,000Emergency Fund: £0/£1000 Car Maintenance Fund £0/£900
    Mortgage:October. 2013: £87,264 Sept ‘19 £72,812.65
  • April's Help to Buy Monthly Savings: £28.62/£280.05
    B-Savings (baby) £6.78/£25.00
    Loan Overpayment: £0 to £50
    Savings for flooring: £175.72/£350.00
    Savings for Garden Furniture: £0/£55


    Update: 14/04/2015


    April's Help to Buy Monthly Savings: £47.64/£280.05
    B-Savings (baby) £8.10/£25.00
    Loan Overpayment: £0 to £50
    Savings for flooring: £190.72/£350.00
    Savings for Garden Furniture: £10/£55
    Savings for H2B Loan Annual £10, 774.65/£40,000Emergency Fund: £0/£1000 Car Maintenance Fund £0/£900
    Mortgage:October. 2013: £87,264 Sept ‘19 £72,812.65
  • Evening DFW's,


    MSE things for today:


    • Spent £7.55 on F&F on baby clothing items, went through £co, bought sale items, received 10% staff discount and used £2.50 money off coupon- paid for by b-savings
    • All meals from stores
    • Washed bedding and clothes at 30 degrees and placed on airer
    • Posted parcel and requested £2.02 from pp, transferred to H2B savings
    • Sold bedside drawers on bay of e,
    • Completed all surveys available
    • Received 33p from app trailers- transferred to B-savings
    • Have some watchers on items on bay of e.
    • Used weekly bus ticket to get around.
    Night all.
    Savings for H2B Loan Annual £10, 774.65/£40,000Emergency Fund: £0/£1000 Car Maintenance Fund £0/£900
    Mortgage:October. 2013: £87,264 Sept ‘19 £72,812.65
  • MSE things for today:


    • Completed all surveys available
    • Used weekly bus ticket to get around.
    • Received 33p app trailers- will transfer to B-savings
    • Received £40 from 1poll- transferred to H2B savings
    • Sold an item on bay of e
    • Listed another item
    • Cleaned bedside drawers ready for collection
    • Checked bay of e for baby items.
    Non-MSE things


    • Spent 49p in Wilko's on water and a snack, spent £1.04 in Mr T on bread and sausages. Then sent DH to get pizzas, milk and cake from Mr T as I was very tired.
    Night all.
    Savings for H2B Loan Annual £10, 774.65/£40,000Emergency Fund: £0/£1000 Car Maintenance Fund £0/£900
    Mortgage:October. 2013: £87,264 Sept ‘19 £72,812.65
  • MSE things for today:


    • All meals from stores
    • Completed all surveys available
    • Posted item that I sold
    • Bedside cabinets were collected that I sold for £15
    • Someone came to look at dining table, definitely interested, hopefully it will sell
    • Sold another piece of furniture on bay of e.
    • Redeemed £30 worth of vouchers from GTM
    • Redeemed £10 voucher from I-say.
    • Redeemed £15 agc from VO
    • Moved money from the Spanish bank to help pay for the flooring.
    • Bought flooring and arranged date for it to be fitted.
    • Used bus ticket to get home.
    • Bought £15 of fuel from Mr S and got bonus points.
    Will update totals etc later on.
    Savings for H2B Loan Annual £10, 774.65/£40,000Emergency Fund: £0/£1000 Car Maintenance Fund £0/£900
    Mortgage:October. 2013: £87,264 Sept ‘19 £72,812.65
  • Evening everyone,


    MSE Things for yesterday:


    • All meals from stores
    • Mum bought yummy treats down with her when visiting
    • NSD
    • All surveys completed that were available
    • Clothes washed at 30 degrees and placed on airers
    • Went out for walk with my mums and DS's- free exercise
    • Listed more items on bay of e
    • Step-dad has offered to paint extension free of charge :-)
    MSE things for today:


    • All meals from stores
    • Bought weekly bus ticket to get home
    • All surveys completed
    • Posted item that I sold, money requested from pp, transferred to H2B savings
    • Received £4 from points panel- moved to H2B savings
    • Requested £10 b00ts voucher from VO
    • Received another bid on item on bay of e.
    • Washed towels at 30 degrees and placed on airer
    • Redeemed points from App trailers
    Off to bed now as in a lot of pain :-(
    Savings for H2B Loan Annual £10, 774.65/£40,000Emergency Fund: £0/£1000 Car Maintenance Fund £0/£900
    Mortgage:October. 2013: £87,264 Sept ‘19 £72,812.65
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