Drip feeding...

wildesavings

Payday at last - very little left over this month. Budgeting very very carefully has meant that we're not overdrawn. Managed a tillytidy/sweep of each little account (there's quite a few!), money jar (£10), survey payouts (£15) and a dabble in matched betting (£6.73) and this meant that I found £69.38 to overpay with and along with our normal £100 overpayment that will have to do for this month.

pennystretcher

wildesavings wrote: »

- - - very little left over this month.- - - I found £69.38 to overpay with and along with our normal £100 overpayment that will have to do for this month.

:rotfl:I like your point of view - little left over yet you got a good chunk OPs!! :money:

wildesavings

pennystretcher wrote: »

:rotfl:I like your point of view - little left over yet you got a good chunk OPs!! :money:

Thank PS

wildesavings

Lots of MSE activities this last week.

Bank AC switch almost complete - £40 cashback and £100 incentive.
Switching Energy suppliers, always worth checking as last month switching wasn't worth it but this month I'll save £85 per year and £25 Cashback too!
Shopping budget bang on target £190 of £400 spent.
Mortgage went down to £103092 before interest began to push it back up again. So close to the £102k but will be firmly in the £102's next month and I'm stupidly excited about hitting the 5 figure mark - according to my spread sheet that wont happen until June 2016 .... we'll see about that

wildesavings

MSE Stuff paying off this week

£9 in surveys
£7 cashback
£4 ebay profit

Should be £20 to mortgage but after watching just a little of the news I'll be sending it off to Smartians Purse to help with the refugee crisis instead. We have so much, probably too much.

wildesavings

Personal challenge £100 to feed 5 for 10 days Breakfast, lunch and dinner. Where my money goes I just do not know - It's scary!!

I have £150 left in spend account but will need petrol.

*edit - actually I do know where it goes as I keep a spending diary but it still drains out of the ac's like water LOL

wildesavings

Popped to Aldi today to stock up on fresh fruit, veg and a few other staples. Got carried away and loaded the trolley - £42!!! I think Aldi is my new best friend

wildesavings

Yearly mortgage statement landed on the mat this morning in all its glory. Stats as followed :-

Opening balance : £107,450
Interest added : £5,895!!! Ouch
Closing balance : £103,299

We're £1,300 ahead of where we would be if we hadn't overpaid anything which is a cheering thought. Still that interest though, OUCH!!! :eek::eek::eek:

Thistlewhistle

Gosh the interest!!
Mine is currently at £10.11 per day.

I was working stuff out the other day, and currently, for every £1 I have outstanding, I'll be paying off £2.66 if I do nothing about overpaying!

That alone has galvanised me into action!!
Now when I want a takeaway pizza, I buy an @sd@ one and put the difference to my CC debt. The sooner I pay that off the sooner I can snowball onto my mortgage!!

Tx

wildesavings

Thistlewhistle wrote: »

Gosh the interest!!
Mine is currently at £10.11 per day.

I was working stuff out the other day, and currently, for every £1 I have outstanding, I'll be paying off £2.66 if I do nothing about overpaying!

That alone has galvanised me into action!!
Now when I want a takeaway pizza, I buy an @sd@ one and put the difference to my CC debt. The sooner I pay that off the sooner I can snowball onto my mortgage!!

Tx

That's the rub - We need to clear the CC before we can really attack the mortgage - that and raising 3 children which just do not come cheap lol :rotfl: