It always seems impossible until it’s done…

debtfreeoneday

House insurance renewal came through the door today. Quoted £158 a £48 increase. 

Just used go compare and paid £104 for the year with an extra £38 cashback to come, so £66 for the year saving me £92. 

Vypr reached payout so £5 requested. 

Earnings up to £88.66 for January. Sold a piece of furniture for £35 which bumped that up. 

debtfreeoneday

Well one kiddo won £100 on PB so that was lovely for them. 

£7.15 in from Ziffit after clearing out some books. Another box on the way to them as well. Finally managed to cash in £3 from pcone and bought £3 worth of credit on Amazon. Trying desperately to leave the credit there until the end of the year!  

Karmacat

You're such a great example of how those little things really add up.  I'm glad you're still managing to juggle them all.

debtfreeoneday

Thanks KC. Pennies do really make pounds. 

£50 topped up into Mr T Christmas savers club.  Nabbed an extra receipt on the way out to scan as you can get away with it on store rewards. 

South_coast

ZipZero let you do multiple from the same shop on the same day too 👍

debtfreeoneday

South_coast said:

ZipZero let you do multiple from the same shop on the same day too 👍

Thanks SC. I haven’t heard of that one. Will look into it. 

debtfreeoneday

Had to smile at an email from Mr S congratulating me for being the number 1 buyer of an item from my local store. Not sure if I should be embarrassed or proud! 🤣

This weekends task is to apply for a credit card to put all of our daily / weekly spending on. We have £1000 that sits in our current account to stop us going overdrawn during  the month as money comes in and out throughout the month.  I’d rather that be sitting in premium bonds than being a safety net.  So need to find the best one in terms of rewards for my spending. Possibly Mr T for club card points? Any recs?

pennywisepoundstupid

Intrigued to know what the no1 item is  .

If you shop alot at MrT then might be a handy CC for extra points, Mr S also for the bonus nectar points.

Have a good weekend xx

greent

debtfreeoneday said:

Had to smile at an email from Mr S congratulating me for being the number 1 buyer of an item from my local store. Not sure if I should be embarrassed or proud! 🤣

This weekends task is to apply for a credit card to put all of our daily / weekly spending on. We have £1000 that sits in our current account to stop us going overdrawn during  the month as money comes in and out throughout the month.  I’d rather that be sitting in premium bonds than being a safety net.  So need to find the best one in terms of rewards for my spending. Possibly Mr T for club card points? Any recs?

We got a nectar Amex last year and use it for all our food and petrol shopping across all supermarkets and sometimes meals out. We get around £10 - £15 per month of equivalent nectar points from it as a minimum - but have reached £30 one month. It was free for the first year and I will pay the £25 annual fee when it is due, as we more than make it back. In fact, we are going to start using it more, so I'm hopeful that we will get even more back from it this year, even with the fee (I think we also had £25 or £30 worth of points as a bonus for spending a certain amount in the first 3 months)

debtfreeoneday

Paid off an item from am@zon today that I’d spread the payments across 5 months. We had the money to buy it, I’m not sure what rationale went through my brain at the time. Anyway that’s cleared. 

Then I started to look at remortgage options, our fixed rate is up in December. Woah. Estimates are our monthly payment will go up £150. So so annoyed by this. I knew interest rates had gone up but still… we’ve worked so hard to get it down and by the time we remortgage we will have about £35k left I reckon.