Karmacat: I'm passionate about my DFW journey to riches

Karmacat

Another hiccup today, and a big one. My spread better has updated the charting system, so loads of my settings have disappeared, and even things like the cursor have changed. And many of the changes are for the worse - its become over-elaborate. Huge downer.

OTOH, I’ve been to the second ballet class yesterday – only just got there on time, going to have to be careful of the bus times, but it was okay. Felt a lot better still, I was pleased.

As far as the list yesterday goes, this is how it went:
- work towards completing first euro bookie tried but too many problems.
- look for next sterling bookie. nope.
- do a bit of background work on listing, colouring in squares, etc etc - will update later. some.
- get a birthday card off for my auntie. taking it to London to post today.
- join focus force, the other focus group organisation that I was told about earlier this month. nope.
- close my first spreadbetting account (keeping the NatWest one) so I can get that money into an interest bearing account. nope.
- spare ten minutes or so, list a couple of books on Amazon. nope.

I have to get my act together!

boredofbeingathome

Oh well, at least you have made a bit extra this month..things will improve, and it has now given me a perfect excuse not to spread bet..*cough*

Karmacat

boredofbeingathome wrote: »

Oh well, at least you have made a bit extra this month

I'm pleased at what I have done, actually, I wasn't expecting to do anything with having been away for a while, and officially on holiday for 2 weeks.

things will improve, and it has now given me a perfect excuse not to spread bet..*cough*

:rotfl: :rotfl: :rotfl: I love the little cough at the end!

So, today, what's new?

Shopping: spent £2.10 in Sainsbury yesterday:
0.47 basics 500g cornflakes
0.74 basics 1kg rice I refuse to spend £3 a kilo on basmati!
0.50 celery - one of their reduced veg offers, too good to miss.
0.39 500g dried split peas - didn't need them, but useful to take me up to the round figure to get the extra nectar points I resent paying money and then not getting "cashback" for it!

Here's part of my list from *Thursday, with Friday's alterations:
work towards completing first euro bookie tried but too many problems. Will try again today.
- look for next sterling bookie. nope. Reload offer for the derby today?
- do a bit of background work on listing, colouring in squares, etc etc - will update later. some. done, my target is £9000, see next post.
- get a birthday card off for my auntie. taking it to London to post today. done.

And I'd quite like to get everything listed on Amazon as soon as I can - it is a way for money to just pop over to you every so often, once you've done the work at least, and I can't help thinking that second hand stuff is going to be more and more popular, a la credit crunch.

I want to be in the garden today too, front or back, don't care, its going to be nice today and I mustn't let it go. Maybe I'll stay in the front, the spiders aren't as big

Karmacat

Okay, another "my brilliant plan" post. My target for debtbusting is £9000, made up of:
6,500 Northern Rock loan
1,375 building work already done and paid for
1,000 money already transferred to France, for mortgage subsidy (included because the euro matched betting was supposed to make that obsolete).
Total: £8875, call it £9000.

Aim of £9000 is a cash balance of £7625 in my savings account for dfw work, but I'm going to stick with the *aim* in how I discuss it on here, because thats what my pretty little colouring in squares refer to. And thats the minimum I'm going to need to do the rewire and replumb that my house is desperate for.

At the moment, those little boxes are showing a total of £1733.57 achieved, made up of:
£1375 paid for building work
£287.17 in the dfw savings account from the last 2 months.
£71.40 transferred for this month's mystery shopping payments.

At £25 a square, thats 69 squares done! And its going up on my wall, in an alcove so its only me that sees it. And here's the cunning plan part: I'm not going to pay the loan off early, currently, to make myself debt free. Reasoning below, and I'd appreciate any feedback:
- my loan is 5.7% fixed, which is very cheap money - no sense paying it off in order to borrow more at a {much} higher rate, and my renovation does need doing fairly soon (witness all the emergency repairs, and the fire brigade emergency, I've had in the past year)
- because my loan is solely in part payment of a property, even one abroad, I claim tax rebate on the interest - which makes it even cheaper than it already is. If I paid it off, I'd lose that. My accountant worked it out that paying the loan off from savings would be inappropriate.
- I've paid a lot of the interest upfront already - this loan was taken out in the last days of Rule 78, which was the arrangement where finance companies did this - I've got a lot of correspondence about it, so I've got it in black and white that thats the arrangement. Seems silly to pay a fee to repay early when I've already paid the interest.

So, thats the plan. Save £9k, £1,733.57 of which already achieved, get the house renovated, keep on paying off the mortgages and the loan. I'm going to keep a much closer track on how I make money/savings etc, and I'll do it in these categories:
- £9000 target, in the squares.
- £20k by Xmas (for NorthernRock and the French mortgage)
- £10 a day challenge (cos there's a lot we get that doesn't come in cash)
- the trading! To know how much I've got from it.

redsquirrel80

Hi Karma... that all seems very sensible as far as my sleepy brain can tell You seem newly motivated as well - which is always good! How's your weekend been so far?

Karmacat

:hello: Hiya!

There's an awful lot of it, isn't there sorry.... I was really needing to put things on a different footing, and thats what came out!

The weekend has been a nice one, quiet - I'm a *little* bit annoyed with myself, I've been banging my head against a brick wall for days trying to get Mozilla to work so I can do my first euro bookie - and it was working all the time, I just wasn't realising which boxes I had to fill in... :eek: what a prat :rotfl:

You're sleepy at 8pm... whatcha been doing? Must be a good weekend!

redsquirrel80

It's good to get all your thoughts down on paper, well, screen!

Some of those bookies are confusing, am sure they do it deliberately.

Err.. didn't get to bed till 4am-ish...

hypno06

I'm sleepy too.......but am about to make some scrambled egg on toast so hopefully will get a bit of energy stored for tomorrow!!

redsquirrel80

hypno06 wrote: »

I'm sleepy too.......but am about to make some scrambled egg on toast so hopefully will get a bit of energy stored for tomorrow!!

Mm yum, got any going spare?

hypno06

redsquirrel80 wrote: »

Mm yum, got any going spare?

**passes plate over**