Time to Face The Music

joedenise

My sister and I have decided rather than buying each other presents we're going to treat ourselves to something rather than spending the money.  

Sayschezza

My family have opted for no presents this year. Instead me and each of my DD and GCs  families  are going to host/organise a day out next year when hopefully we will be able to move around a bit more freely. I am going to host a boat trip to see the seals. If any of the family are a bit strapped for cash it can be a picnic on the local park.

Baileys_Babe

That sounds lovely @Sayschezza

alt80

Happy birthday to your dog! Hope you’ve spoilt him rotten @RelievedSheff.

RelievedSheff

alt80 said:

Happy birthday to your dog! Hope you’ve spoilt him rotten @RelievedSheff.

He is always spoilt rotten. Hope you have a great birthday yourself.

RelievedSheff

£251 paid off the HP Loan today which has taken the outstanding balance on this account below £4k.

Other than the above it will be a no spend day. Breakfast, lunch and dinner are from stores. Breakfast was crumpets, the other half has taken his packed lunch to work, think I will have a jacket spud for my lunch and then tonight we have a slow cooked beef and ale casserole with Yorkshire pudding, sweet potato mash and greens.

Today's jobs include:

• working from home
• cleaning the kitchen
• watering the house plants
• sticking dinner in the slow cooker
• walking the dog x 2

RelievedSheff

Balances update:

Debt 1 = £0
Credit Card 1 = £150 (£150 repayment 0% interest)
Credit Card 2 = £460 (£80 repayment 29.9% interest)
Credit Card 3 = £3364 (£250 repayment 29.9% interest)
Credit Card 4 = £5518 (£200 repayment 0% interest)
Credit Card 5 = £8256 (£150 repayment 0% interest)
HP = £3936 (£251 repayment)
Furniture Loan = £656 (£16.82 repayment)

ISA = £209 (£50 per month added)
Pennies Savings Account = £25.37 (Saved by rounding the bank balance to the nearest pound when logging on to online banking)

RelievedSheff

A no spends day today.

Breakfast, lunch and dinner will be from stores. Breakfast was cereals, the other half has taken his packed lunch to work, I will grab something from the fridge for my lunch and dinner tonight is salmon with sweet potato wedges and vegetables.

Today's jobs include:

• working from home
• load of washing (will see if this dries today. The load on Tuesday unexpectedly dried )
• cleaning the bathrooms
• walking the dog x 2

RelievedSheff

Forgot to add yesterday that as a matter of interest we ran an agreement in principle for our remortgage with our current bank just to see what our chances of getting a high street mortgage will be come early next year. This is only a soft search so it won't be logged on our credit files. The application came back fine, we are well in on the affordability check and it seems that we should be good to remortgage onto high street rates this time round which will allow us to keep our monthly repayments the same but drastically cut the remaining term from 23 years to 15 years.

We will be looking to fix the rate for 5 years and then at the end of that fixed rate deal, with all of our debts paid off (hopefully) we will be in a position to remortgage again and increase our monthly payments to reduce the term further.

Sun_Addict

Ooh I like salmon with sweet potato wedges, very nice. That's brilliant news about the remortgage and a concrete plan in place to reduce the term. Our mortgage was paid off 8 years ago but we took another one out to refurbish our house. I don't regret doing this in the least as it's made a huge difference. I must make an effort to overpay if I can though, allowed to overpay 10% a year and really should take advantage. We're on a fixed rate until the term ends in 5 years.