I wanna be mortgage free!

twinklie

1. [STRIKE]Go to the dentist.[/STRIKE]
2. [STRIKE]Finish uni assignment 1348 down....152 to go![/STRIKE]
3. Post uni assignment
4. Mark Yr 8 badger assessments
5. Mark Yr 9 badger assessments
6. Mark Yr 11 coursework.
7. Plan Year 7 lessons for the first week back
8. Plan year 8 lessons for the first week back.
9. Plan year 9 lessons for the first week back.
10. Plan year 10 core lessons for the first week back.
11. Plan year 10 Add lessons for the first week back.
12. Plan year 11 core lessons for the first week back.
13. Plan year 11 add lessons for he first week back.
14. Plan psychology lessons.
15. [STRIKE]Take DH's denture to the tech[/STRIKE]
16. Write year 11 reports.

Just managed to bag myself a food related MS for next week for me and DH. :j So that is something to look forward to.

Also, made a bit of a boob! I looked on the RSPCA website at the dogs needing a home! OMG I'm thick. I've gone all doggy broody now. Still, I'll have a baby to play with xmas day which should keep me busy. Yey for nephews and their little toys!

twinklie

Right the list has taken a back seat as the christmas prep goes into overdrive!! We've spent over £250 on presents yesterday (last minute shoppers...us??).

Caught DH trying to sneak out my pressie yesterday...didn't see what it was but I already know. He's got me a freeview+ box. So I can record my programs. I love him but he's no imagination so I just told him I wanted one... ha ha.

Anyway, 2 more presents to get and then I need to buy things to go in DH's nan's xmas hamper. Jams etc...but we can do that as we go xmas food shopping later - we've got the CD parts of it.

Good job we got the Tesco's credit card, it's 0% on new purchases for 12 months and we are both a bit skint. Does mean I'll have to add to my debt list on here though. OOphs.

twinklie

Right I've updated my signature to reflect the new credit cards we have and the outstanding debt on them. They are 0% for 15 months on number 1 and 12 months on number 2. Number 2 will be paid off quickly, but is a tesco clubcard credit card so will be used regularly and paid off in full most months.

Number 2 is the one we transfered all the B & Q spends onto. This won't be paid off until nearer the end of the 0% period, however, it will be being reduced every month. So I'm not too worried about either really because it's all planned debt and we could pay them off if really necessary.

I'm still managing to OP the mortgage by the same amount each month but the SO I have into my ISA will have to go on hold for a couple of months. But this is a small price to pay I feel.

My current debate is whether to attempt to do some xmas shopping for next year in the sales and put stuff away. Or should I just wait till next christmas given our current financial situation. I know I could do it throughout the year - but that never happens. I'll probably end up waiting. I don't feel comfortable spending on the credit cards for things we don't really need.

Besides, we are planning on another US trip next xmas back to where I used to live. So we need to save up for that really.

Courgette

twinklie wrote: »

My current debate is whether to attempt to do some xmas shopping for next year in the sales and put stuff away. Or should I just wait till next christmas given our current financial situation. I know I could do it throughout the year - but that never happens. I'll probably end up waiting. I don't feel comfortable spending on the credit cards for things we don't really need.

Besides, we are planning on another US trip next xmas back to where I used to live. So we need to save up for that really.

I'd hang on til nearer the time for next year's pressies. I did buy a couple of things for DS in the Jan sales and to be honest he'd outgrown them a bit really. I know (I hope!) it's a bit different with husbands but do you really fancy having to hide stuff for a whole 12 months? Dunno, just my 2pence worth :rolleyes:

Who's your 15month 0% CC with by the way?

twinklie

I wasn't thinking about getting DH's yet - we'll probably just get each other something in the US if we go again. More, mum and dad from both sides etc. But yeah, I was thinking whats good now might not be in 12 months. Knowing my luck they'd probably buy whatever it is in the mean time anyway.

The 15 month 0% CC is with HSBC. You need a current account with before you can get it though. I've been with them for years which is why I got one. I think it's a 16.9% variable after the 15 months. And I think the 15 months 0% is only on balance transfers....I think it's 6 months for purchases...but I could be wrong.

twinklie

I'm thinking of making my first ever New Years resolution and it concerns exercise. I don't need to lose any weight (I'm only tiny). But I'd like to be healthier and more flexible. So might go back to my Wii fit training. It got thrown out of wack and stopped when DH moved down to Wales. All my free time went on driving back and forth and sorting things out for him.

I feel we are in a better place/routine now and I know when and where I can fit things in. Plus my freeview + pressie means I can record tv and watch things later now as well....bonus!

I think 30 mins of exercise 5 days a week would be a bonus. Better than nothing I guess.

twinklie

School List

1. [STRIKE]Go to the dentist.[/STRIKE]
2. [STRIKE]Finish uni assignment 1348 down....152 to go![/STRIKE]
3. Post uni assignment Printed and ready to go!
4. Mark Yr 8 badger assessments
5. Mark Yr 9 badger assessments
6. Mark Yr 11 coursework.
7. Plan Year 7 lessons for the first week back
8. Plan year 8 lessons for the first week back.
9. Plan year 9 lessons for the first week back.
10. Plan year 10 core lessons for the first week back.
11. Plan year 10 Add lessons for the first week back.
12. Plan year 11 core lessons for the first week back.
13. Plan year 11 add lessons for he first week back.
14. Plan psychology lessons.
15. [STRIKE]Take DH's denture to the tech[/STRIKE]
16. Write year 11 reports.

Household list

1. [STRIKE]Call DH's uncle to arrange his holiday[/STRIKE] DH is going on holiday without me...AGAIN!
2. Wrap DH's grandmas hamper Must buy cellotape for this.
3. [STRIKE]Sort the recycling and bins[/STRIKE]
4. [STRIKE]File bills and [/STRIKE][STRIKE]tidy desk[/STRIKE]
5. [STRIKE]Wash up[/STRIKE]
6. Clean kitchen Still need to do the floor
7. Clean bathroom
8. [STRIKE]Sort clean washing[/STRIKE]
9. [STRIKE]Put a wash on and hang out[/STRIKE]
10. Tidy living room
11. Hoover living room
12. Hoover stairs
13. [STRIKE]Clean out fridge [/STRIKE][STRIKE]AND freezer[/STRIKE]
14. [STRIKE]Clean kitchen cupboards[/STRIKE]
15. Sort out under the stairs
16. [STRIKE]Tidy bedroom[/STRIKE]DH still needs to do some stuff to make this a done deal.
17. [STRIKE]Print DH's work invoice[/STRIKE]
18. [STRIKE]Download new tunes for DH[/STRIKE]
19. Wash the car
20. [STRIKE][/STRIKE]
21. Dig out the Wii fit and start with some Yoga...at least 30 mins a day.

MoneyQueen

Hi Twinklie,

Thats a long list.. Good Luck!!

I have just finished sorting my wardrobe. Had to make space for all the shopping that I did in the Christmas Sales...

MQ

evab_2

Far too organised! I'm not doing anything at the mo as have yet another cold.

Happy New Year to you, good luck with all your challenges xx

twinklie

Job list is now on hold due to the car breaking. Thought it was the battery...it's not. It looks like the starter motor! ARGH!!