Time to be FREE!

Petal88

Not being able to do OPs online would drive me nuts - it's the 21st century for goodness sake!

Frugalwannabe

Petal88 wrote: »

Not being able to do OPs online would drive me nuts - it's the 21st century for goodness sake!

I know it's crazy! They're going to get back to me later today because I wasn't overly happy. Seems pretty silly that I can't move money from my current account which is with them anyway to my mortgage account.

pavlovs_dog

Frugalwannabe wrote: »

Just a question. I've seen people posting about surveys, do they add up to much and are there any companies better than others please?

for 'proper' surveys I do
*Yougov (maybe 1-2 a week, payout by BACS at £50)
*p!necone (pays in points that you can exchange for vouchers, a survey is equivalent to £4 a pop. Sometimes you get sent products to try and review. They only recruit at certain times of the year. A few surveys come my way each month
* Ipsos I-say - collect points to exchange for vouchers. Usually 1-2 surveys available a week.

I stick with the above because rewards are reasonable for the time they take, payout is reliable and they don't ask 1001 questions only to then disqualify you for no reward. I don't make mega money through these, but it is a nice chunk towards Christmas shopping that then frees up 'real' money elsewhere in the budget. I easily manage £100ish a year from PC and Ipsos. Yougov a bit more slow and steady.

I have also gotten back into Swagbucks and make £15-20 a month quite passively as I spend a lot of time on the laptop of an evening. Payout via paypal or vouchers (which offer better value for money).

I'm happy to refer you to any of the above (apart from PC, who don't offer a referral scheme). PM me if you'd like.

hiddenshadow

Hello! Congrats on paying off your debt and joining the MFW bandwagon.

We're switching next month to a 5-year fix and I'm really hoping we can knock it out in 5 years. Right now our scheduled (possibly optimistic) OP plan has us at 5 years and 3 months, so it might be tight, but at least it's a way to challenge ourselves, right?

pavlovs_dog

Frugalwannabe wrote: »

Morning all :-)

Spoke to the bank this morning about the faff to overpay and you do indeed need to call up to do it and I can do it in small increments?!

I'm baffled by this. The mortgage account is linked to our current account but I can't just transfer money over.

Your mortgage account should have a sort code and bank account number. Get this info from your bank and then you can set up a payee on your current account to move money over in much the same way you would send money to a friend or pay a bill.

atypicalblonde

Hi Frugal,


I agree with the other posters, that is utterly crazy that you can't OP online and seems to me to be quite incorrect. Can I ask who your current account and mortgage are with?


Well done on clearing your debts, for keeping going through tough times and joining the MFW gang x

Frugalwannabe

hiddenshadow wrote: »

Hello! Congrats on paying off your debt and joining the MFW bandwagon.

We're switching next month to a 5-year fix and I'm really hoping we can knock it out in 5 years. Right now our scheduled (possibly optimistic) OP plan has us at 5 years and 3 months, so it might be tight, but at least it's a way to challenge ourselves, right?

Thanks Hiddenshadow it feels great to know we're on the path of being MF!

I'd love to finish in the 5 years and you never know! I think I need a big plan of action heading into 2016 :-)

Frugalwannabe

atypicalblonde wrote: »

Hi Frugal,


I agree with the other posters, that is utterly crazy that you can't OP online and seems to me to be quite incorrect. Can I ask who your current account and mortgage are with?


Well done on clearing your debts, for keeping going through tough times and joining the MFW gang x

Thanks ATB. We're with RBS. I didn't think of paying into the acc number and sort code though that'll be easy to do! X

Frugalwannabe

pavlovs_dog wrote: »

for 'proper' surveys I do
*Yougov (maybe 1-2 a week, payout by BACS at £50)
*p!necone (pays in points that you can exchange for vouchers, a survey is equivalent to £4 a pop. Sometimes you get sent products to try and review. They only recruit at certain times of the year. A few surveys come my way each month
* Ipsos I-say - collect points to exchange for vouchers. Usually 1-2 surveys available a week.

I stick with the above because rewards are reasonable for the time they take, payout is reliable and they don't ask 1001 questions only to then disqualify you for no reward. I don't make mega money through these, but it is a nice chunk towards Christmas shopping that then frees up 'real' money elsewhere in the budget. I easily manage £100ish a year from PC and Ipsos. Yougov a bit more slow and steady.

I have also gotten back into Swagbucks and make £15-20 a month quite passively as I spend a lot of time on the laptop of an evening. Payout via paypal or vouchers (which offer better value for money).

I'm happy to refer you to any of the above (apart from PC, who don't offer a referral scheme). PM me if you'd like.

I'm not sure how to PM on here but please pm me the referrals :-)

Thanks for your comments too!

Have a great day x

shangaijimmy

Just read your diary, so a belated welcome to obsession club. You'all see soon enough what I mean, especially once that payment is set up to mortgage account (I do it using the sort code and account number with faster payments).