LJ's Mortgage free road to early retirement

LouiseJ

financialbliss wrote: »

Ok:o

I'll come out of the naughty corner now...

FB.

You will have to go back in again mind if you worry about offending me with lighthearted comments............it would take much more than that to offend me:rotfl:

abouttimetoo

Hi LouiseJ

Just catching up on a few threads and saw the great news about the new job - many congratulations to you:j :j

Pleased to report made my very first OP last week and I'm still feeling smug :rotfl:

Regards

gallygirl

abouttimetoo wrote: »

Hi LouiseJ

Just catching up on a few threads and saw the great news about the new job - many congratulations to you:j :j

Pleased to report made my very first OP last week and I'm still feeling smug :rotfl:

Regards

Smug is a much under-rated emotion! :rotfl: :rotfl: :rotfl: Well done :T :T :T

LouiseJ

abouttimetoo wrote: »

Hi LouiseJ

Just catching up on a few threads and saw the great news about the new job - many congratulations to you:j :j

Pleased to report made my very first OP last week and I'm still feeling smug :rotfl:

Regards

Welcome to the overpayment club:j Its a great feeling isnt it:D

LouiseJ

I have not had the best April to be honest.

I have had alot of upset on a personal basis so my budget went out of the window to be honest.

I have worked out how much I will be getting from my new employment and I should still be able to make overpayments of around the £270 mark + £40 extra DD so thats £310 per month minimum.

I am still intending to do the odd Mystery shop but my time will be limited so I am aiming for one a week which would give me an extra £40 ish.

The Florida Holiday has to be paid for this month so at least I wont have to put money away for that after this month.

I will post my intentions soon x Thanks to all that follow....I need you lot to keep me on track:D

LouiseJ

Just re-capping on my monthly commitments from my wages

MONTHLY commitments are

· £300 Stocks & Shares ISA
· £80 kids regular saver
· Holiday Savings £150 (Florida Holiday paid this month but still need some spending money and will save for holiday next year)
· Mortgage Overpayment £270 (+£40 on top of this from OH account)

I am also going to need to contribute some money to our monthy budget as OH just isn't covering it £250


Total = £1050

Income
Teaching £900
Family Allowance £123
Child Tax Credit £42
Business Income £212 (Regular Monthly contracts this has been reduced to save my sanity)

Total £1277

So thats £227 spare, but I dont want to make it too tight.

Kaz2904

Pleased you got the job. Hope nothing too awful going on at home.
It's very good to have a little left over money in the budget after any overpayment because then the emergencies that crop up (monthly!) can be paid for without too much hassle.

LouiseJ

Oh MY GOD!!!

I tried to withdraw some money from my current account from the cashpoint and it said unauthorised.

when I got home there was an answer machine message from my bank to say they needed to speak to me urgently.

When I rang them they said that they had put a block on my account due to suspicious transactions and could they check that they were mine...

£3 for ITunes...................NO!
£50 to Vodaphone.............NO!
£5000 to some random business.....................NO!

I actually feel quite shakey about all of this even though all of the transacions will be cancelled......the £3 and £50 will still appear on my statement and then be reversed.

THIEVING SCUM!

setmefree2

OMG that's horrible:eek: Good job it was spotted

LouiseJ

setmefree2 wrote: »

OMG that's horrible:eek: Good job it was spotted

I have to on this occasion sing the praises of the Alliance & Leicester for picking up on it quickly:T