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Ding! Ding! All change, please... (now replaced with new diary on MFW)

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Comments

  • Sounds like you're cracking on with the jobs, well done
    Its lovely and sunny here in the Midlands as well today, and so nice not to have the heating on. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £32,245

    Mortgage Oct '24 £12,261 Officially ends 06/26 but plan to be MF sooner
    Total OPs 2022 - £240   2023 - £1776
    OPs so far in 2024 £1353.38


    Challenges

    EF #68  £885/£1000
    1p a Day '24 #12  £181.02/£667.  
    Christmas '24 £23
     
    Make £5 a day Nov £7.15/£150   
    NSDs Nov 0/15

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Ooh, I must look up Airtime Rewards. Is this the 02 airtime rewards? I am on that, but don't know about linking cards
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £32,245

    Mortgage Oct '24 £12,261 Officially ends 06/26 but plan to be MF sooner
    Total OPs 2022 - £240   2023 - £1776
    OPs so far in 2024 £1353.38


    Challenges

    EF #68  £885/£1000
    1p a Day '24 #12  £181.02/£667.  
    Christmas '24 £23
     
    Make £5 a day Nov £7.15/£150   
    NSDs Nov 0/15

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Ooh, I must look up Airtime Rewards. Is this the 02 airtime rewards? I am on that, but don't know about linking cards
    This is a more general one (and now I'm wondering if I've got the right thing!) where it effectively applies cashback from spending against your mobile bill by the sound of it. It's via an app... https://www.airtimerewards.co.uk
    Thanks, I'll take a look
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £32,245

    Mortgage Oct '24 £12,261 Officially ends 06/26 but plan to be MF sooner
    Total OPs 2022 - £240   2023 - £1776
    OPs so far in 2024 £1353.38


    Challenges

    EF #68  £885/£1000
    1p a Day '24 #12  £181.02/£667.  
    Christmas '24 £23
     
    Make £5 a day Nov £7.15/£150   
    NSDs Nov 0/15

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • lucielle
    lucielle Posts: 11,058 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Can you make some coleslaw with the cabbage?  
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Sun_Addict
    Sun_Addict Posts: 22,439 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My credit card often shows transactions as cleared then showing as pending, the pending always disappears. Same with some transactions not showing for a couple of days when most ping through immediately. There must be a reason for it I suppose. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Morning L - coleslaw has indeed already been made, and I suspect more of it will be being made over the christmas period too - not least as we have beetroot needing used at the moment as well, and we love raw beetroot in coleslaw! 

    SA - thank you, you've reminded me to re-check the CC account and indeed the additional pending transaction has now disappeared leaving just the one that as already there. I was concerned as there were clearly two lines showing for it yesterday - but I assume it was just a temporary blip. All good! 

    Got some progress on my little jobs list last night I'm pleased to say:
    - blitz the front room to get anything that can be put away, put away! Yes - concentrated on the table which is now far clearer!
    - Paint the areas where the new curtain rail needs to be put in the bedroom so we can get that back up even before the rest of the wall can be painteddone - three little patches of paint now applied and this also confirms that the colour (which when I looked at it in the tin once opened I thought was going to be paler than we wanted) is fine.
    - Make a start on some areas of caulking with the last of the old tube so I can see how easy (or otherwise!) it will be to caulk the thermal paper. Yep - quite pleased with this as I did a fair amount and STILL the original tube of caulk isn't finished! Still a lot to do though.
    - start stripping some of the sealant away from the window frame in the bathroom so we can apply the new stuff. 
    - clear the airer No - didn't get to this
    - get the next washing load to the machine No point as the water pressure is still poor.
    - washing up Yes - although having cooked tea after washing up last night there is more to do this evening! 

    I'm going to nudge MrEH to get the curtain rail up tonight I think as it's getting VERY old not having curtains in the bedroom now - thank goodness it's this time of year otherwise we'd both be struggling with sleeping! Theoretically this is our night to do voluntary role stuff but we will have time to address that over the christmas break so can just get away with a quick check-in on emails later.

    MSE stuff:
    - As mentioned, the CC account has righted itself which I'm grateful about. 
    - I had a phone call this morning from a Manager at EDF, in relation to the complaint I made in October. I'd emailed them again last week confirming that as I'd had no response to that I would now be going to the Ombudsman. The irony is, that having had the telephone conversation with the chap this morning, I can honestly say this is some of the best complaint resolution I've ever experienced - he was open, frank and honest, he didn't make excuses, and freely admitted that I'd been treated poorly. Fair play to him. He's arranging for a £100 goodwill payment to be sent to us (the original complaint wasn't looking for any form of compensation, but he acknowledged that the Ombudsman would almost certainly award something, so asked me for a suggested amount - I went with the same amount that the Ombudsman awarded in our dispute with UW) as well which is appreciated. Ultimately, it will be a lot less expensive for them than the Ombudsman being involved would have been, and it does at least compensate a little for the increased costs we've faced as a result. 
    - I had a little flurry on Ipsos yesterday after a week or so getting distracted away from it - I'll be planning to get a bit more done today. 
    - Electricity use was right down when I checked this morning - hurrah for warmer temperatures. A little more heater tweaking was done last night and again this morning. I'll do a full review of expected temperatures in the next 5 days to take a view on whether thing can be turned down any more. 

    I still feel entirely unprepared for Christmas. The mad flurry of house related stuff in the past 10 days seems to have taken all my time and energy - physical and emotional. Sadly we've now heard that someone else has made an offer on the house we had fallen in love with too, and that offer has been accepted. While it feels awful to hope for there being problems with that transaction, we sort of do, hopefully understandably! Initial reaction was to ask what the accepted offer was to see if we could counter-offer, but we wouldn't appreciate someone doing that to us, so once the knee-jerk reaction was taken out of the equation, we've decided that's not the right course for us. If it's meant to be, then perhaps it will still come back to it - right now though it's looking like being a massive "one that got away".  Plan going forwards is to keep an eye on the listings, and still get ours on the market in the new year, but right now I feel incredibly dis-spirited and as though nothing else is quite going to measure up. There is another possibility that we might view, but we're slightly reluctant to do anything until such time as ours is at least ready for the market, now. 

    We've got a relatively quick dinner lined up this evening thanks to the ham, pesto and roasted tomato/peppers I got out of the freezer. It will simply be a case of combining those bits with the last of the soft cheese that needs using, and serving with pasta I think - possibly with some additional veg thrown in. I absolutely MUST remember that we will need to do a food shop on Saturday to include stuff for boxing day - Mum's got christmas day food all bar the Turkey which I will collect on Friday, but we'll need stuff that isn't just turkey for the few days after Christmas!  


    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00
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