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

Karmacat

Well, an interesting day. I had a huge payment from my mystery shopper - that must be for the jobs I spent about 12 hours on a few weeks ago - and went off into town - got handcream at Boots with points, bought tofu at BOGOF at Waitrose (usually just eat the beans, thats a lot cheaper, but I can take this to France to my sister's place, we'll be doing self catering this time).

And, following on from yesterday's conversation with Keeping Motivated.... I had a chat with Northern Rock today, about my loan. I can pay off £1,000 at the branch, don't even need to pay for a stamp, and when I said I'd need to ask for a loan schedule, because I need it to claim the correct amount of tax relief on the interest, but I hate phoning 0870 numbers, she said I could phone them from the branch!!!

The money for that overpayment is coming from my amazon/mystery shopping money, and some from my matched betting account, and I'll make up the rest from income, as I'm confident enough now in the matched betting to say that I'll make that money in a few months. I'm really excited about it - its the first overpayment I'll ever have made on the loan.

They keep the loan repayments at the same amount, which at least answers my wonderings yesterday, and speeds up the repayment date. I'll do it all next week - go into town next Tuesday, tomorrow week. The best thing is, I'm going into town to do a mystery shop, so the bus fare is budgetted for!

Keeping_Motivated

Sounds like a productive day Karma. And always a nice feeling to have an answer to the 'wonderings'. £1000 overpayment is quite an achievement, well done you :T

Karmacat

Keeping_Motivated wrote: »

Sounds like a productive day Karma. And always a nice feeling to have an answer to the 'wonderings'.

It is!

£1000 overpayment is quite an achievement, well done you :T

Thank you ! Thing is, my everyday work covers my expenses, which I didn't think it still would, so all this extra stuff I do can get put by, and its just been mounting up. Like ss was saying on his thread just yesterday, there are people a lot worse off than me.

Seaxwyn

Wow, Karmacat, well done! £1,000 is a huge overpayment and will be a nice chunk out of your loan. Great news. Brill that your everyday work covers your expenses, that's never guaranteed with us freelance folk. Long may it last!

duchy

Congratulations on that lovely big wodge of overpayment KC-that is brilliant !! Also I bet it feels so good it'll spur you on to do it again !

Karmacat

Thanks Seaxwyn, Duchy - you're right, it spurs me on to do more. It *is* a little bit scary paying it off, because unlike the mortgage overpayments, I can't claw it back if things go wrong, but it feels so freeing, I sort of feel an obligation to myself to do it. All this extra work I'm doing is real, its had real results in terms of money in the bank, and I'm not going to just stuff it by for a rainy day in case.

I've just realised - thats what I used to be able to do, when I was earning well and didn't have debts. But I've mysteryshopped etc for a reason, and this is the reason, so off it goes! (Can you tell I'm still scared?)

More decluttering last night, and my friend is definitely coming to stay this weekend, on a tour of good practice for local recycling initiatives, but that will only take up a couple of hours (while I'm doing a mystery shop, lol) and then we'll have at least 24 hours together. So, sadly, cleaning will have to take precedence over decluttering. Ah well, I'd have had to do it anyway at some stage!

I hate cleaning. I love decluttering. I need Dr Freud :rotfl: :rotfl:

Karmacat

Just realised that my French repayment will have gone out by now, so thats another £212 paid off, total of £4586 towards the pay off £20k by Xmas 08 challenge, almost 23% of the total - blimey, thats a tough challenge....

Snaggles

It IS a tough challenge, but you are doing brilliantly, and I'm sure you will get there. Well done on your massive overpayment. :T

Karmacat

Thanks, Snaggles! I've sussed that all the profits from matched betting are actually sitting in betfair, and they need to stay there, so I can do the next bookie - but I *am* confident that more will be following in short order, so I'll go ahead and make that overpayment. Still scared! And not even by the earthquake!

Snaggles

At least they're in betfair and not some random bookie with a massive wagering requirement!

I'm still a bit too scared by the whole matched betting business. I've looked and looked at it, and understand the basics, but I'm too much of a coward!

Did you feel much of the tremor where you are?