Diary for my own accountability

Synergy83

Attempt 3,986 at keeping a diary, this is really just for me to keep track of things until the end of my fixed rate deal in January 2019
I promise myself that I will update once month

Original mortgage Jan 2015 £183000 @ 5.19% for 2yrs
Remortgage Jan 2017 £165995 @ 1.39% for 2yrs, 28yr term

This first post is for totals

September 17 Debt -£170272.78 / -£7526.06 Mortgage -£162746.72 Savings £18781.42
October 17
November 17
December 17
January 18
February 18
March 18
April 18
May 18
June 18
July 18
August 18
September 18
October 18
November 18
December 18
JANUARY 19

Synergy83

September 26th 2017


-Mortgage -£162746.72 1.39% £596.67pm
-Santander C/C -£2765.52 0% (statement balance paid off every month, I do all my spending on this card to get the cash back
-Santander monthly saver £400 5% paid yearly £200 transfered in pm
-Virgin C/C -£4753.05 0% until sometime in late 2019, will be paid off before then £50pm
- Tesco C/C -£7.49 0% paid off every month
- I have other accounts with various savings in making the most of bonus rates

Debt -£170272.78 / -£7526.06
Savings £18781.42

my DDs are all pretty low, theres a couple i might cancel but i need ot play around with my accounts to make sure i'm still getting bonuses
I do need to get my day to day spending back under control, i was really good when i was saving my deposit for my flat but fell off the wagon to varying extents over the last couple of years, i've still saved a pretty good amount i think
i'm getting in to more points/survey sites to give me my fun money, so far getting £10-£20pm but i know i spend on some real random rubbish.
one big ish spend in the next few days is going to be an electric pressure cooker as my slow cooker has died and i've been thinking they look quite good for my busy days
im also owed a couple of hundered from the OH as i have been using my discount card to help him get bits for his house so i need to go through the receipts and do the math, BUT i also owe my parents some money as they have had a few pictures framed for me so that will probably cancel out
really need to get on with selling the boxes and boxes of stuff in my living room that i've been meaning to get rid of for sooooo long

Synergy83

October 2nd 2017

-Mortgage -£162,338.57
-Santander C/C -£1795
-Santander monthly saver £400
-Virgin C/C -£4753.05


Debt -£168886.62/-£6548.05
Savings £16064.68

Synergy83

2nd November 2017

-Mortgage -£161,929.94
-Santander C/C -£992.35
-Santander monthly saver £600
-Virgin C/C -£4703.05
-Halifax C/C -£59


Debt -£5761.89
Savings £18,972.73

Finally got my health cash plan to accept a dental invoice so got £110 coming back from that and around another £60 for physio treatments and i think i might have a little coming back from my utility company for overpayments

Synergy83

December 1017

little late as i had an operation on 25th nov and am still recovering, it's also the reason i'm going to be around 5k lighter as i had to go private to get it sorted before xmas. I should be able to claim a small amount back from the health cash plan

-Mortgage -161520.84
-Santander C/C -3402.95
-Santander monthly saver 1000.00
-Virgin C/C -4653.05
-Halifac C/C -2775.18




Debt -10938.67
Savings 19418.64

Synergy83

January 2nd 2018

Mortgage -161111.27
Santander CC -1194.30
Santander MS 1000.00
Virgin CC -4603.05
Halifax CC -2810.28

Total Debt -8615.62/ -169726.89
Savings 16513.34

14/01
canclled gym membership
cut my sky bill by £10
still in shock about getting a cheque from barclays for over£870 for Plevin claim i made back in september, ive now applied to have my loans checked to see what comes from that, will help to fill the 5k hole left from the op in november, still waiting on the test results from that but got a horrid feeling that im going to have to spend out more, hoping if things do go bad he'll let me get an nhs referral to him
really really need to find my forms for pension AVCs and make my will and LPA

Synergy83

01/02/18

mortgage -£160,701.22
Combined CC -£8627.58
savings £21,459.12

all credit card debt is at 0% for at least 12 months
switched an old account to FD, waiting for the switch bonus
got another PPI/Plevin payment of £2449
still spending more than i want on stuff i don't need but am getting better and saving more
sent off paperwork for pension AVCs, should have done it years ago but guess its better late than never
consultant has agreed to see me through the nhs for rest of my check ups

Synergy83

march to be left blank

Synergy83

april to be left blank to update later

Synergy83

may
to be left intentionally blank

Synergy83

june to be left intentionally blank to fill in later