2008 MFW newbies

torbrex

My Feb overpayment is through today, I have fiddled my savings a little to allow me to increase my payment so I am now up over £180/month and rising.
On the down side, even though I got a wage rise, because of my new position, I do not get as much bonus and have actually ended up about £40/month worse off. I have pointed out the loss of my bonus but it could take a while for them to come up with a viable scheme, it is not just me that is affected, there has been a whole new department set up and everyone has the same problem.
I may have to do a bit more fiddling to get the balance right between income, savings and mortgage payments.

tootallulah

I have paid off an extra £700 this month (covering January and February) although if I'm honest I'm not really sure how. I need to track where my money goes. To get the mortgage under £150,000 by December I have to pay an extra £400 per month for the rest of the year. I need to sort out EBaying and Amazon selling or it won't happen. The task for the week is to learn how to sell my junk/valuable collectables otherwise I won't meet my target. I have collected five boxes of things to be sold which in my warped mind is the job done. I need to get off my bum and get started.

violetblue

Yay, got my letter from the Halifax this morning telling me that the interest rate has gone down - my new monthly interest-only payment is down from £187.40 to £171.28! This gets automatically rounded up to the nearest £100, so the £200 I pay each month will now make a bit more of a difference than it did before.

My overpayment fund is growing nicely too - have now got just over £10k sat in savings, and I should be able to add £500 per month to that, which will all get paid off the mortgage in a few months time.

Haven't done any matched betting for a few weeks though - I really must get back into it, I think I'm getting lazy now I've done most of the easy ones. I've also got plenty of things I could stick on ebay or amazon... Right that's it, I am going to get my bum into gear this weekend and have a good old clear out!

kezza12

i know what everyone means about ebay it just seems like such a chore to take all the pics then put it on the pc then so on and so on, i'm sat here thinking that i really should sort out the ebay stuff but no, i'm reading the forum again :rolleyes:

Steveswift

Well i must join all my fellow lazy people. I had big plans for today and have done nothing. However i did put £50 on virgin poker and got £40 back from "wepromiseto", cashback site as recommended on this site. I have gambled my £50 up to £120, and after i play a certain number of hands virgin match my £50 initial deposit.

So i have managed something today

aliportico

That's why I do amazon for books/DVDs/music - they take more in fees, but it's far, far quicker to list things, and then they're on for 60 days so I can forget about them unless they sell! Made nearly 40 quid in the last couple of days, so will put that onto mortgage when it comes through.

Steveswift

Hi,

Never listed on amazon and have loads of nice books collecting dust, might have a look at it.

I have a couple autographed by celebs can they be listed?

Steve

Daft_Pegasus

Steveswift wrote: »

I have a couple autographed by celebs can they be listed?

No, you'd need to use EBay for those ones

aliportico

Yeah, you can use amazon - when you have to describe the condition, you can pick "collectible" and then say in your short blurb that it's been autographed. I have no idea whether it helps it sell though - buyers might be more likely to look on eBay for signed books?

stripey_cheese_skirt

I haven't manged overpayments so far this year... because i havent completed on my house yet!!! ha ha, was definitely being overorganised thinking about overpayments when I'm not in debt yet, hopefully I will be mortgaged up by the end of Feb... I'm still going to aim for the £3000 overpayment for this year.

Right I'll be back when I've got my keys, lol, good luck to everyone else