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Onwards and downwards...

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  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £2.31 to Mortgage
    £5.00 to savings
    £3.14 to joint od

    I've just redeemed £3.21 in amazon vouchers from TCB. Must check surveys as I think I'm close with them too.

    One parcel posted today. 2 items listed.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Glad you enjoyed your trip to see family.

    Shame about the F&F offer rejection but it was a very low offer. If you can go up a bit higher they may go for it next time.

    Your daily pads must be making quite a difference over time I should think :)
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • Well done on the savings/pads

    Have a lovely day x
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you enjoyed your trip to see family.

    Shame about the F&F offer rejection but it was a very low offer. If you can go up a bit higher they may go for it next time.

    Your daily pads must be making quite a difference over time I should think :)

    Thank you. It was a very low offer and a cheeky one so I wasn't expecting it to be accepted. They offered a £2k discount which I thought was fair but I can't afford it at the moment. I'm going to leave it for a bit and try and add to the fund.
    Well done on the savings/pads

    Have a lovely day x

    Thank you HI, you too :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.31 to Mortgage
    £4.00 to savings
    £1.09 to joint od

    Mortgage rates are up, so ours will be going up soon :( If I remember rightly it's only about £15 a month, so not the end of the world.

    Now that I've got some savings, it would be nice to see a bit of a rise there though :D

    I'm delighted to say that for the first time in about 8 years I have a dining table :T :T It's been buried under a pile of stuff for as long as we've lived here. I've cleared out some stuff, moved around a bit and now there's enough room for the kids to sit there and eat/craft/do homework etc. :j Whilst clearing the junk I have sorted some more bits for ebay too. It also means we should be able to get rid of the highchair now too :D

    Trying to get some listing done before I start dinner.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Well done you. Two of the four places at my kitchen table are now usable.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.31 to Mortgage
    £3.00 to savings
    £1.69 to joint od

    Well they didn't waste any time! The new mortgage rate is showing in my account, but not the new payment amount yet.

    1 parcel posted today. Also some baby wipes to return as they are faulty (got £6 in vouchers for the privilege!). I also complained about getting the wrong item in a bag from the bakery at Morrisons and have supposedly been credited 10,000 points (£10) for that to my card, but they are not showing yet.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done you. Two of the four places at my kitchen table are now usable.

    Thank you :) and well done to you too. It's nice to see space appearing!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Jwil I have found it has sometimes taken a week for points to be added to my Mr M card. x
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Jwil I have found it has sometimes taken a week for points to be added to my Mr M card. x

    Ah, thank you, I was wondering how long to leave it before I complained (again!). I'll give it a few days then. :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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