CrazyBee wants to be Mortgage Free!

beanielou

That’s great. 

CrazyBee787

beanielou said:

That’s great. 

Yes I am very pleased thank you very much Beanie!

My Goals for February are:-

1. 19 No spend days
2. Keep Credit Card at £400
3. OP £205
4. £Prolific earn £52.64
5. EF put in £600.

I should be able to do all these things there is wiggle room of between 7.5-12.5% in most cases for example there is 12.0% wiggle room with prolific as there is already a £6.35 pot, there is a surplus of cash in the account therefore there is a 12.5% Wiggle room for £400 CC goal and I have estimated that I will receive £45 extra EF and that makes 7.5% wiggle but I have allowed that little bit of wiggle because that way If I go over a small amount it won't hurt the result. I am happy with this and £600 EF is such a vast figure if I stick to plan, I am already 1/3 of the way to Feb19th when my credit card Cuts.

Anyhow I best be getting ready to work now...eak!! 9o start!

MFWannabe

Out of interest why do you use credit card every month? 

Would it not be better to budget your wages? 

CrazyBee787

MFWannabe said:

Out of interest why do you use credit card every month? 

Would it not be better to budget your wages? 

I prefer to use credit card for the protection I just got into the habit to use it for everything, plus I don't have enough surplus this month to pay it off completely - however I don't plan on doing this. This way I keep a check of my spending to some degree and I know if my balance is £350 I have £50 left! It is only a problem if you can't control your spendingXX

CrazyBee787

I am pleased with todays pay packet - I still have not received the wage slip to make sure it is right - but it is in the ball park at least unlike a previous time when I was overpaid a huge amount, and then had to take a deduction throughout the enitire next two-three years via special tax code - that is a pain.

I feel quite tired tonight, however I want to get things done so that I can do what I want the rest of the weekend, therefore a list is needed:-

1. Clean bathroom
2. Change bed linen
3. Wash up and put away stuff after dinner
4. Get washing sorted
5. Sweep problem zones!
6. Dust window sill in bedroom.

I think that will do, First dinner though! I feel like I am in the driving seat for a change, it helps when you control a few different aspects of your life, for me such as Deciding not to nip to MrLocal everytime I get hungry as opposed to drinking water or being a little hungry, or getting a snack from home. This mission has helped be more in control of cash - It would be all too easy to spend spend spend, but a little mindful control and I reign it all in, I think it will be easier also as time progresses, and I will then need a new challenge eventually but I am happy to keep ticking over for the time being, as long as I save for the future and as long as I keep myself from spending irratically, for the time being I don't want to change anything else, I am doing well and I need to undertsand that I am only human and the steps I have taken have worked. Dinner is nearly ready - cod and chips! Yum!!

Jessy103

CrazyBee787 said:

MFWannabe said:

Out of interest why do you use credit card every month? 

Would it not be better to budget your wages? 

I prefer to use credit card for the protection I just got into the habit to use it for everything, plus I don't have enough surplus this month to pay it off completely - however I don't plan on doing this. This way I keep a check of my spending to some degree and I know if my balance is £350 I have £50 left! It is only a problem if you can't control your spendingXX

I do the same. I buy pretty much everything online, so I like the protection of paying with my credit card and then just pay it off in full at the end of the month x

beanielou

Remember the protection is only for over £100. 

CrazyBee787

beanielou said:

Remember the protection is only for over £100. 

I have had less money back so I think you are not quite right. Thanks.

beanielou

CrazyBee787 said:

beanielou said:

Remember the protection is only for over £100. 

I have had less money back so I think you are not quite right. Thanks.

Interesting. My DS worked for a bank & I know it was £100. 

CrazyBee787

beanielou said:

CrazyBee787 said:

beanielou said:

Remember the protection is only for over £100. 

I have had less money back so I think you are not quite right. Thanks.

Interesting. My DS worked for a bank & I know it was £100. 

I accidently spent on an online scam £32.99, I got this back! So perhaps his bank and my bank are different?