Renovations and Repayments II: New Year, New Start, New Diary.

hiddenshadow

We also use our CC for everyday spending just to accrue points/cashback.

(Might be worth phoning the CC company, just to verify that the DD amount will be £0 as you've already paid the balance...unless you don't mind double-paying if the DD still takes the full balance, and then spending down the credit.)

newgirly

We also do all our spending like that too Alex

AlexLK

Thanks all.

Not the end of the world if they take the DD, will mean it'll be a few months until we have to pay again. Feeling like we're living for free for a few months wouldn't be a bad thing. :rotfl:

AlexLK

Unfortunately think I'm coming down with a cold: freezing cold and have a headache. Son isn't too well either. Have updated the financial spreadsheet, though and it's not looking bad.

January Life Aims:
11pm bedtime Sometimes managing this, sometimes a bit later but have been getting a reasonable amount of sleep every evening. Noticed if I sleep around 8 hours,
the next day I need about 5 hours. Not sure if this is healthy, to be honest. Read something about not sleeping well leading to dementia in old age. :eek:
5 meat free days Managed to be on track for this and had plenty of half meat free days. Mrs. K. and I have agreed if we will only eat meat for one meal per day.
3 new recipes Going to give the vegan meal a go next week.
Keep alcohol to special occasions only Not had a drop this week.
10,000 steps per day 14,000 today.

January Financial Aims:
£925 to savings from surplus income.
Total payment of £1,000 to mortgage.
Get a better rate on mortgage. Appointment completed. :eek:

January Work Aims:
Everyday presents an opportunity to learn something new - take notes.

Keep my computer organised. Second week of having an organised computer.

Keep the ball rolling (project). Not had much to do this week.

kelpie35

I hope you feel better very soon.

Keep up this positive attitude.

AlexLK

Thanks, kelpie.

Nothing to really update today. Been keeping myself busy. My son isn't too well but not ill enough to not attend school. I've been OK until tonight and now have a terrible headache for no apparent reason. Still not 100% so don't think it's anything of concern.

Onto good news, it seems we can get a rate of just under 1.4% for our mortgage. :j

beanielou

Great mortgage rate.
Hope you both feel better soon.

Karmacat

That *is* a good mortgage rate! Sorry you don't feel so hot, Alex, get yourself into bed as soon as you can, fight off whatever it is.

wishingthemortgaheaway

Alex, who's that mortgage rate with? That's amazing.
We're looking at 2.44% again this time.

AlexLK

Thanks all.

Rate is with Yorkshire BS. There were lots of options under 2%, go and see a broker wishing.