Getting a mortgage and then becoming mortgage-free!

debtfreeoneday

Great news on the hotel!!

EatingTheElephant

Enjoy the hotel stay, even better that it's free!

Kittenkirst

Working from home day today, so I've unloaded the dishwasher, tidied the kitchen and put a wash load on (on eco to see if any difference to a quick wash!).

Am in my fluffy soft new dressing gown I picked up yesterday from M&S, ordered it on Boxing day as saw it in sale but didn't have my size. Only £11.50 (includes some snuggle socks and an eye mask!) and a small amount of cashback tracked on Quidc* too. It's lovely and snuggly and actually fits me!

I have an older dressing gown my ex bought me as a Christmas present that I've never really liked but couldn't justify replacing, but for £11.50 I finally can. Will dig it out, give it a wash and see if it'all go on book of face!
Inspired by reading some diaries this morning I am going to post some shoes on book of face- they are gorgeous, bought in sale many years ago but too small....worn once or twice so will get rid. They don't bring joy or have any practical purpose other than me wishing my feet were smaller!

NSD yesterday and hoping for the same today, off to the parents tonight for weekly dinner and hoping we make some Gujarati food (not takeout!). Friend is redecorating following his divorce finalizing so have offered to go over tomorrow night to help with the wallpaper removing and undercoat painting....I've not done it before but reckon it should be fairly easy, plus it's the undercoat so should be forgiving of any errors I hope!

misscousinitt

Happy new year KK

Good luck with all your goals this year!

Great news on the free hotel - nice when that happens - such a lovely sweetener.

MCI

Watty1

Fab on the hotel. Undercoating is indeed easy with a steady hand and patience. Neither of which I possess but I still get the job here!

Kittenkirst

First pinecone received in what seems like aggges tonight as soon as the funds clear that's £3 to sweep to the mortgage!

Realized I'm probably being foolish with my savings- currently in instant access savings do interest last month was 20p on £950- planning to open a 1st direct regular saver tomorrow and move the money across- have enough to do four months at £300 (the max you can put in) at which point the credit card should be clear and I can stash the money that was going to the debt to savings- win, win! 5% interest will be better and can put the interest to the mortgage (in a year!)

Took salt & pepper grinders back to debenhams as one broke straight away- got a refund and then bought new ones and they had reduced in price by £8 so that was put back onto my gift card.
Also took back a top that was too big & a faulty skirt both bought in the Boxing Day sales so £23 being credited back. That can go towards the weekends trip.

Other than the £1 on parking no spends in town so a productive evening!

Going into the office tomorrow so will take porridge, soup and fruit in and try to avoid chip Friday in the work canteen!

new_mortgageeee

I'm envious of your pinecone - would love an account but can't ever seem to find a link! Got a bit tired of swagbucks but I like prolific.

Well done for getting savings interest sorted

Kittenkirst

Hey New Mortgagee, I've not tried Prolific, is it similar to Pinecone?

new_mortgageeee

I'm not sure about similarity to pinecone, but it's pretty good. It does academic (rather than market research) studies, so is pretty interesting. And you only get shown ones that you're eligible for so there's no risk of being screened out. Lots of reviews online - lots seem to like it. It's PayPal based - I've £60 sat in there which is maybe just under a years' worth of earnings, but I hardly ever get on it!

If you fancy it I've just discovered that they do referral bonuses - so here's my link in case https://www.prolific.ac/rp?ref=AN1SCUY5 !

NM x

Kittenkirst

Ahhh sorry new mortgageeeeee I googled it on my tea break and signed up using a code on the MSE thread

Thank you though x

Yougov completed today on my break and all food and drink taken into work (& consumed) so no food spends today.

I did walk to sainsbobs at lunch and bought a top and some tea towels in the sale- naughty!!! £11 spent that wasn't really necessary. Must try harder!

Off to a friends house to help with redecorating following his marital split and buying his ex out of the house. Think pizza is the reward for manual labour but I'm looking forward to getting messy!!

Calculated the regular saver interest if I save £300 a month for the 12 month at 5% it earns £96.77.....that £94 more than I'll get in my instant access for the year- sheer craziness! Didn't get a chance to open it today but shall be doing it on Monday definitely:money: