Overpayment Addict

DeterminedSingleMummy

Thanks all. There is something nice about adding up all the numbers. I don't care how geeky or lame it sounds:rotfl: I also love my spreadsheets :rotfl:

She's still on level 1 in her swim class but she is only 4. However there was three weeks where she didn't even want to go in the pool even though she's done months of the same lesson. And she told me she wants to be in level 1 forever :eek: i don't have that much money :rotfl: she went in fine this week. This is the last block until september now so she'll have a break from it in the summer.

Special offer in work today and I've managed to get most of DDs school uniform for next year really cheap. It's just the school jumper which i need to buy from the school that is left to get... won't be able to get that cheap either but she needs it so will purchase it when we visit the school in the next few weeks.

Found a pair of children's headphones reduced for £3 today and DD has been asking for some for ages so got them for her and she was happy.

DeterminedSingleMummy

So I've managed to list one item on ebae yesterday and two today... Will try and do more in the week but again I have no idea where my motivation has gone...

Managed to go to town and not spend a penny and also got some free toffiffee samples. I love going into town on the weekend as there's always someone giving out free things in the middle if the arcade simple things

Having trouble sleeping lately so I'm really tired... and I feel like this is going to be a long week...

DeterminedSingleMummy

Just checked my mortgage interest and it's gone down to £82.60
Current balance £49440

Here's my interest for the other months

Jan £95.78
Feb £95.19
March £93.71
April £90.09
May £86.44
June £83.78!
July £82.60

SuperSecretSquirrel

Very nice monthly interest progress DSM, well done!

DeterminedSingleMummy

So a few more things listed on ebae and I've got 2 items with bids on already

Having a really day... my head hurts from being so the only positive thing I can think of right now is my financial situation. Everything else seems to be going wrong in ways I cannot control... I don't even know how to explain it...

shangaijimmy

This is your diary...explain, say, shout, vent whatever you want. If it makes you feel 2% better then it's worth it, and you can repeat every day. Everyone will give a 'thanks', and a well done on financial progress.

DeterminedSingleMummy

Thanks SJ but I don't even know how to start explaining how I feel... just posting saying I am makes me feel a little bit better. I don't know why but it does. I am a bit all over the place atm feeling really lost. But hey have to have bad days to have good days or everyday would be the same... I think I'm doing well financially and keeping on track because that's the only part of my life I feel like I have 100% control over. And it feels good to be on track for one part of my life even if everything else seems to be going wrong... hope that makes sense...

On a more positive note...

First ebae sale for the month will be ending tonite and it already has 11 bids and 11 watchers so hoping for a few last minute bidders too. Another three items have bids on too but ending in 3 days, 4 days and 7 days. Other items still have zero movement.

Overtime in work for July is £20.33. Well it was a bit more but I spent some of it on DDs school uniform because I'm going to have to find money for it sooner or later. But I am left with £20.33 which I am not touching so it will be added to the OP budget.

DeterminedSingleMummy

So today I thought we would take a nice walk around the area just to get fresh air and not be stuck in the house. DD didn't have nursery today so needed to do something that didn't cost a lot. Planned to spend £1 on an ice cream half way thru the walk. Which is what we did. We've been collecting the lego trading cards from Sainsbury's but havnt got the book so we've been popping into every Sainsbury's to check if there's any lurking about but there isn't. DD starting talking to the guard for ages about how she loves the card and how we are visiting every shop to find the book. He said he didn't have one but told us to wait. He went out the back and came back with a full.box of cards for her and told her they were all hers!! She was so happy with it. And so was I as that would have costed me a lot of buy lol we don't have the book but once we open all the cards we should have a full set will be continuing our adventure to find the book too.

Ebae is going okish. 2 items sold and posted. 4 items have bids on. Not added up how much I've made yet. Going to try and have a no spend weekend. Nothing planned so far so might just see how I feel in the morning.

EatingTheElephant

How lovely of the security guard, I can imagine how pleased your DD was.
Well done on the ebae sales, I'm sure I've got a couple things to list somewhere that I must get around to putting on.

DeterminedSingleMummy

You should have seen her face she was so happy!! Didn't leave the house today so no spend day still not sure what we're doing tomorrow so could be a no spend day which will mean the rest of this week's budgets will go towards overpayment

Right so figures so far in July
1. Ebae earnings July £25.13 (3 items)
2. Surveys/mystery shopping - (£0.50 can't cash this out so I won't count this in this month)
3. Interest/Cashback from 123 account - £3.90 (more to be added around 17th)
4. Other cashback - £6.60
5. Savings from weekly budget - £11.26
6. Overtime in work £20.33
7. Other (£1.26 + £90 pending TCB won't count this until it's been paid)

Santander 5% regular saver will be paid in March 2018.(£64.33)
HSBC regular saver at 5% will be paid in May 2018. (£81.25)

EBae target £180/£180 for DDs swimming lessons until end of 2017!!complete!!
Other target £221/£221(remaining overpayment figure for this year)
New target Overpayment to be paid 1st January 2018 £151.02/£3200 (up to end of June)

Current Mortgage end date August 2027
Original Mortgage end date December 2031