Getting it together...one £ at a time!

Homegrown0

I said this exact thing to my husband last night DIA. It's just as well i'm all over my accounts like a rash otherwise i'd definitely have missed it. Companies must scoop millions in profit from things like this because people don't notice or can't be bothered to deal with it.

Homegrown0

Half way through the week and nothing much to report here.

No spends
Managed to not spend anything this week so far which is a miracle (except things like 20p for my son's lunchtime milk at school but I don't count that) and I don't think i'll need to pick anything up until shopping at the weekend. We still have plenty of milk and our meals are planned for the week so let's see.

Remortgage dragging on
Still no word on my mortgage being completed - it's supposed to be done by the end of the month but with 8 days left and no word from the solicitors, i'm a bit concerned. If it's not done by then, I'm assuming we'll just pay our monthly payment on 1st Feb as normal and will drop onto the variable rate (no idea how that'll affect our payments though). Slightly concerned that we'll pay our current mortgage on 1st then if our new mortgage goes through on e.g. 8th, we'll need to pay the big first payment (which is almost double) on 8th! That'd be one massive whopping great amount to pay on a mortgage within the space of a week.

Have emailed the mortgage advisor we are using to see if they can shed some light. It's times like these that I wish I was a bit more clued up on these things.

Survey/ apps overview:
Onepoll: £6.20 / £25
PA: £2.05
Qmee: £1.90
Shoppix: 150 / 3200 points (to cash out £5)

Nothing quite ready for cashing out, and things have been a bit slow over the last week but I'll just keep plodding on.

kindofagilr

Bless you, that is totally something I would do as well lol I am pleased you got the bottom of what it was xx

teafor2

Hi, just popping in to say hello. I've read your diary for months but never commented. I'm totally in awe of how you manage to keep on top of everything you do with your money, your job and your family life. Had to giggle about the hissy fit. I breathed a sigh of relief on your behalf that you didn't get to say what you wanted to :rotfl: Also want to say your hubby sounds a superstar working extra jobs and holding the fort when you're away. xx

Homegrown0

Thanks so much for stopping by teafor2 - I've also been reading your diary!

You're right, life is immensely busy but to be honest I just bumble my way through it and hope for the best. I have bursts of organisation then something else happens and it falls by the wayside.

I'm a really lucky egg having my other half (not a soppy post, honest!). He's great at taking the reins when I'm galavanting with work and doesnt grumble. And yes, he really is a hatd worker. The extra work he does makes it possible for us to have more treats than we otherwise would.

I'm also super glad I didn't have a chance to explode at the poor guy! Must learn to cool down and think rationally before jumping to conclusions!

Homegrown0

I couldn't be happier that this working week is coming to A close - I have quite a lot on my plate to get done today but I really need a weekend of not thinking about work. It's beginning to really take over my brain.

Yesterday was not a NSD - I had a chiropractor appointment so that's £35 paid. I went for a run after which was free thoigh

Low spend weekend
My husband is working all weekend so I'm planning a super low spend weekend.
- kids clubs (paid monthly)
- parking to pick up sons new glasses (70p)
- visiting grandparents (free)
- Sunday at home playing with toys / crafts and cleaning bedrooms (free)
- grocery shopping (£45 budget hopefully)

Its the end of the month and we are stretching our remaining funds pretty far but I'm hopeful we can do it.

Today I must do a meal plan and shopping list!

Right, off to get the kids ready for school.

enthusiasticsaver

Homegrown0 wrote: »

Half way through the week and nothing much to report here.

No spends
Managed to not spend anything this week so far which is a miracle (except things like 20p for my son's lunchtime milk at school but I don't count that) and I don't think i'll need to pick anything up until shopping at the weekend. We still have plenty of milk and our meals are planned for the week so let's see.

Remortgage dragging on
Still no word on my mortgage being completed - it's supposed to be done by the end of the month but with 8 days left and no word from the solicitors, i'm a bit concerned. If it's not done by then, I'm assuming we'll just pay our monthly payment on 1st Feb as normal and will drop onto the variable rate (no idea how that'll affect our payments though). Slightly concerned that we'll pay our current mortgage on 1st then if our new mortgage goes through on e.g. 8th, we'll need to pay the big first payment (which is almost double) on 8th! That'd be one massive whopping great amount to pay on a mortgage within the space of a week.

Have emailed the mortgage advisor we are using to see if they can shed some light. It's times like these that I wish I was a bit more clued up on these things.

Survey/ apps overview:
Onepoll: £6.20 / £25
PA: £2.05
Qmee: £1.90
Shoppix: 150 / 3200 points (to cash out £5)

Nothing quite ready for cashing out, and things have been a bit slow over the last week but I'll just keep plodding on.

You won't make the first payment on your mortgage immediately after completing. It is usually one month afterwards or you can often change the payment date.

teafor2

Morning HG I'm going to look at Shoppix today but before I do was wondering if you have a code which would add some points to your account - think that's how these things work?

Have a great day. x

kindofagilr

Homegrown0 wrote: »

I'm also super glad I didn't have a chance to explode at the poor guy! Must learn to cool down and think rationally before jumping to conclusions!

I really need to do this too, I am really at it xx

Homegrown0

enthusiasticsaver wrote: »

You won't make the first payment on your mortgage immediately after completing. It is usually one month afterwards or you can often change the payment date.

Thanks for your insight enthusiastic - the mortgage broker just came back to me this afternoon in fact to talk to me about it. She said that because our existing product doesn't end until 31st Jan, the new product can't begin until Feb so the paperwork etc. can't be completed until then. This makes logical sense, but I didn't realise this was the case. So my panic was for nothing. Apparently, they're on track with everything and I've just to wait to hear from my new provider about the first payment etc. Phew!

teafor2 wrote: »

Morning HG I'm going to look at Shoppix today but before I do was wondering if you have a code which would add some points to your account - think that's how these things work?

Have a great day. x

Thanks for thinking of me, Teafor2. I don't think we're allowed to post referral codes/ links on the board (although I may be wrong!) so I have sent you a PM Hope you get on well with it - I quite enjoy seeing the points creep up, and I especially love the scratch cards! <-- Note, this is why I don't gamble!