Getting a mortgage and then becoming mortgage-free!

themadvix

Interesting! Doesn’t look like JE is going to be worth it for you, based on last night, but that’s not bad earnings for a couple of hours work. Although I guess you have to take mileage expenses off of that too?

VelvetFreak

Glad to hear the UE is working out reasonably well for you.

Kittenkirst

themadvix said:

Interesting! Doesn’t look like JE is going to be worth it for you, based on last night, but that’s not bad earnings for a couple of hours work. Although I guess you have to take mileage expenses off of that too?

Yes, I’m keeping a record of the mileage and then you can offset 45p per mile (up to 1000) of your tax amount on your tax return, so you are spending on petrol outright which the paid amounts don’t take into account- for the first time around Ill keep my petrol receipts just in case for the tax return as Ive not done it myself before so want to make sure I’m accurate

themadvix

Seems sensible (not that I do!) I guess the actual petrol costs don't actually add up to much in reality, so it's still a good profit (would be even better with DH's hybrid.... oooh plotting!)

Kittenkirst

Oh yes a hybrid would be perfect for it as the costs would be even lower!!

Ive just been catching up with your thread and bookmarked a few recipes- croissant bread & butter pudding will be perfect when we have the house in late September and start having people over for food (Covid permitting obviously) and the lettuce, pea & mint soup I’m going to attempt for lunch (assuming that we have frozen peas in!) 

On the Olio front; Ive not done any pick-ups this week, however a lady who lives nearby that’s become a friend via olio and Instagram messaged on Monday re lots of wraps she had- so i collected those on Tuesday before Kayaking- so one lot has been turned into homemade baked tortillas (& my chicken pesto wrap dinner last night) and two lots are in the freezer. We’re still working through lots of the fab veggies we got last week (I’m loving the Cavolo Nero/Kale on the side of my lunches and dinners).

themadvix

I've been keeping an eye out for wraps on Olio lately (too lazy to make my own and won't *buy* them in plastic!) - no luck here though. I quite fancied enchiladas! It does make a huge difference to food costs I think. Enjoy the lettuce, pea and mint soup!

Kittenkirst

Oh it does massively, and has the benefit of reducing landfill waste. I just find it so odd that the stores over order/overproduce so much food. The sheer volumes of bread in my local area on there just for Tesco is astonishing (At least Tesco are repurposing theirs, I’m sure the other big supermarkets have just as much waste too!).

I went out last night as I had a JustEat delivery run and it was a bit busier; I got 2 JE deliveries and 5 Uber ones so total for last night was £34.25 for just under 3 hours of deliveries. 6 of the 7 were from the local McDonalds and there were SO many couriers hanging around there and collecting/dropping off constantly. I have never quite realised how manically busy they get there (poor staff when its such a hot day!)

The Just Eat orders definitely pay better £5.93 average per order, compared to Ubers £4.13 an order, however the Uber ones have had some close to restaurant orders- one literally a 5 minute walk (if only I’d have realised I would have left the car and wandered round!).

I have picked up an extra ‘run’ tonight for 4.45- 7.45 so its a bit earlier tonight; hoping to take advantage of the tea-time rush, then be home to eat my own dinner at a reasonable time too! I’m doing quite a few shifts at the moment purely to experiment with different days and times and get an understanding of when should be good times to do it more regularly. It wont be as many hours once I’ve had a play around!

Browsing MSE last night I spotted a bit about the Marcus account and how to get the bonus rate reapplied. It’s only .1% but we have the mortgage equity sat there waiting for next month so i boosted it up. Any extra cash is extra cash to us at the moment!

I had my End of Year review (my new place runs July-June) this week and it was all glowing. Ive definitely made the right switch over, and my boss was talking about what areas interest me more as there’s lots I can get involved with but it depends on where I see my career progression - he can accommodate supporting different avenues which is pretty cool. Ive been doing an hour weekly trying to upskill in the new area (IT) and have some sessions arranged with technical teams to go through like a “dummies guide” which will help with my knowledge and skills for the job too. So all very great on that front, and such a marked difference to where i was job-wise last year. I’m very happy here which makes a big difference

In the business sale side of things- it is super busy- still working to the 27th for the in-laws and fielding lots of emails and last minute requests for documentation (many have already been answered/ provided back in April which is frustrating). Just trying to keep going with it all and hopefully the in-laws can retire on the 28th- fingers crossed for no delays though, they really need the break and to just not be doing such long hours and cash & carry trips at their age. Time for them to enjoy their hard work

SandyShores

Really admire your commitment to earning (and to saving) Kittenkirst.  

Kittenkirst

Thanks @SandyShores its very kind of you to say.

Friday ended up being a bit of a bumper evening as I did my shift of deliveries, finished at 8pm as I got an UberEats delivery on the way back home that was round the corner from the house with a drop off on the main road so it made sense. I ate my dinner and GF suggested heading out together so she could see what it was like, so we did another 1hour 45 minutes and got even more deliveries done! 

In the end the earnings for all the shifts i worked (Sunday, Wednesday, Thursday & Friday 13.3hrs in total) I earnt £158.58 which isn’t bad at all. I topped up the petrol a little with £20 so i will put £138.58 into the Delivery ISA account until I decide what to do with my proportion (I have noted on my sheet the amount to keep in there for the tax return).

The weekend was super lovely, Hot yoga Saturday morning and yesterday I went down south to catch up with some school friends which was super lovely. We had a nice little picnic in a park by the river, I got to meet one friends little baby born at the start of lockdown and then had slushies after! I then called in to see my brother for a (socially distanced still) cold drink and a catch up before heading home.

However I had total drama on the way home- I was in the girlfriends car as its a more luxurious drive (has aircon etc!) but something didn’t feel right on one of the main A roads and was juddering, so i pulled over to check the tyres. I couldn’t see anything wrong so called GF and then decided to continue on (after checking oil/water levels, tyres & temps on the dash).

I carried on towards the M40 but as soon as i got to 45 the juddering was pretty bad, so i limped it on towards a town instead and pulled in when I thought it was safe. Thankfully I chose a Holiday Inn express to pull into at 6pm. I then called the AA, GreenFlag & RAC all of which were too busy and would only come out to members. I don’t have membership but the GF did so she was an angel  and her & mum jumped in the car and drove the 1 hr 15 to meet me, and we then called the AA again. Mum headed home as AA said it would be 8pm by the time they reached us. The staff at the Holiday Inn were ace; helped me register for parking so I didn’t get a fine, hooked me up to the WiFi and I then ordered some food and drinks and sat in their air conned lobby waiting. I was so grateful for this as it was just so hot yesterday and I was super hungry too! Glad I wasnt just at the side of the road somewhere and was comfy!

It ended up being 9.45pm the guy joined us; we had to then follow him 8 miles super slowly to a Tesco car park to meet the tyre man; we had a huge bulge all the way around the wheel (they assume caused by potholes and the heat combined- they said it was one of the worst they had seen and about to blow if we drove at any speed!!!!).

£290 for the tyre change and new tyre later and we were able to head home at 11pm. Then we hit traffic on the M1 and were just stood still for more than half hour. We got home for 12.30am, super tired.

Much caffeine is needed this morning as we’re both a little shattered; however we are hugely grateful that we have emergency funds to enable us to get fixed and home, and also grateful I didn’t join the motorway!!

themadvix

Wow, an eventful weekend KK! Delivering together sounds fun - less jumping in and out for you I guess, and easier for turning round/parking issues. And lovely to see your friends and bro. Eek to the tyre though - very wise to stop (and at a hotel too!). Hope the caffeine is enough today - can you sneak in a little nap later?!