All change for 2025

jwil

PAD (Payment a Day)

Today's PAD - £2

Jan - £129
Feb - £63
Mar - £103
Apr - £149
May - £63

jwil

PAD (Payment a Day)

Today's PAD - £2

Jan - £129
Feb - £63
Mar - £103
Apr - £149
May - £65

NeverendingDMP

PADs looking good. Do they still go to your mortgage. It's like paying an extra months worth each year when you add them up isn't it. Well done 

jwil

NeverendingDMP said:

PADs looking good. Do they still go to your mortgage. It's like paying an extra months worth each year when you add them up isn't it. Well done 

Thank you   At the moment, they are split between my CC which has things like the boiler etc on it at 0% and savings as I want to build up my savings (and savings are a higher interest rate than the mortgage at the moment).  I do round up my mortgage payment to the nearest £100 each month, so it's still getting a roughly £35 overpayment per month, and I send the odd bit there as well.

NeverendingDMP

Yes good idea to savings. I follow someone on another thread who has money set aside to pay off the mortgage when their fixed rate ends. The interest on their savings is amazing each month. When it's a little bit every day you don't seem to miss it as much either do you. Then it builds up quick.

jwil

Declutter update:

395.Clothing
396. Trailer
397. Soft toy
398. Car
399. Vehicle
400. Rider and spares
401. Train and wagons
402. Nail brush
403. Model car
404. Paperweight
405. VW door handle
406-407. Pillows
408. Bedsheet
409-412. Cards
413-417. Clothing
418. Shoes
419. Water bottle
420-423. Clothing
424. Book
425. Glass bowl
426. Handbag
427. Gloves
428-429. Socks
430. Junk
431-433. Cars
434. Reading glasses
435. Clothing
436. Bike
437. Paperwork
438. Artwork
439. Broken toy pieces
440. Canvas
441. Cardboard pieces
442. Junk mail
443. Craft material
444. Greetings cards

Declutter totals: 

Magazines/papers: 70
Other: 444

Total: 514

Ebay listings: 82
Ebay parcels: 52

Survey/other earnings:
Amazon: £15
Paypal/cash: £61.57
Other vouchers:£0

doingitanyway

Great decluttering!

jwil

NeverendingDMP said:

Yes good idea to savings. I follow someone on another thread who has money set aside to pay off the mortgage when their fixed rate ends. The interest on their savings is amazing each month. When it's a little bit every day you don't seem to miss it as much either do you. Then it builds up quick.

This is what I'm hoping to do.  Our fix is 10 years at 2.07% and has 7 years left, but the mortgage overall has just over 10.5 years left.  I'd love to have a lump sum ready to clear it when the fix ends.  Trouble is there's a lot of demand on those savings from work on the house, to kids needing support for uni/whatever they choose to do, emergency fund etc, so at least the small overpayments will also be helping reduce the balance that's left at the end.

I don't miss those extra little payments at all, and it's amazing how it adds up!

jwil

doingitanyway said:

Great decluttering!

Thank you

jwil

Happy holidays!  It's nice to be off for the week.  We have the dentist next week, and also little miss's ASD assessment, so not all fun.  I'm sure we'll do other things too, though I'd quite like some time to chill at home.

I spent some time yesterday tidying around, did a bit more in the garden (it's starting to look better now!), and working through DH's stuff to register as a creditor.  I worked through his contract and work handbook, and also the online guidance and am happy that I've got to the correct figure. Various online calculators gave me the same result as I calculated so that was reassuring.  We've posted it all off this morning special delivery.  I'm guessing we'll have to do it all again when we have to apply to the govt for the payments, so at least I've got everything to hand now.  Thank you to the lovely MSEr who offered to be a second pair of eyes as well, I love the support from the people on this site 😍

Little jwil had a sleepover at his friends last night, so we didn't really do anything today as we were waiting to collect him.  DH has had a flurry of enthusiasm for sorting through the kids toys that have been waiting for a long time, so hence me updating the declutter list in the hope of adding a lot more to it   I have a few things that I should be doing as well this week.

We sold one of the kids bikes this week.  DH and I were supposed to be sharing the proceeds towards the replacement bikes we bought previously.  DH gave me his half so I've sent the £100 to PBs.