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I wanna be mortgage free!

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  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Right, I've signed up to do some mystery shops!! All in August though and all for the same fast food company so I might end up MEGA fat at this rate! Hmmm....

    Thinking about MBetting but not sure really. Don't know very much about it and it needs to not be very time consuming....while I have the time to do it over summer (though I realise it's better to wait for the footy season) it's fine, but want to know if I'll have time to keep it up when back at school! Any hints or tips?

    I'm only signed up for mystery shoping with the GAP one....anybody else got any good ones?
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    New mattress ordered and should arrive on Monday!! Very exciting.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • Courgette
    Courgette Posts: 3,242 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    twinklie wrote: »
    Oooh don't worry Stuart rise hasn't been taken into account. I'm not entirely sure I'll get it is the main reason why - they have been paying me on what I think is the wrong pay scale....however, I'm not 100% and can't find anything to tell me what it should be. Asked what my pay scale should be (what was I hired on) and no one at school can tell me.

    Are you not on M1? In which case £20,600, clearing about £1230 pcm after loan, pension, NI etc etc. Just google teacher's pay and you should be able to find out if it's right. M2 for Sept is about £22,700 I think (off the top of my head)
    Updating soon...
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Ahem..no...they have had me on M2. Now I've gone a non-traditional way and done a 2 year PGCE so that could be why...but no one seems able to remember. Hmmm
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • Courgette
    Courgette Posts: 3,242 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Shhhh! I'd keep quiet about that if I were you :whistle: Maybe you'll get lucky and be put on M3 in Sept. If you stay on M2 you'll have a tiny increase anyway but only about 2.4%
    Updating soon...
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    OOOOh first mystery shop later. They called me up and brought it forward! It's exciting and scary all at the same time! Fingers crossed I don't mess up and I get paid!
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    One mystery shop down and another to go tomorrow! Hmmm...signed up with more companies but it's a slow slow process. Had a moment of insanity before where I thought I could sign up to do some exam marking or something for next year...but decided against it.

    The money for the mattress has come out though....yey and boo!
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • StuartGMC
    StuartGMC Posts: 2,175 Forumite
    Twinklie
    Good to hear first MS went ok, what sort of hourly rate start to finish does it equate to?
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Erm, depends on the job you do. But they called me up and asked me to bring 2 of them forwards so they gave me extra! So I'm not sure. But I'm hoping to get off the burger jobs soon onto jobs where I can buy things that I might want! If not...it's burgers for a while!

    I'm just enjoying doing the job for now...I'll work out the finance soon. Fortunately I live in walking distance of every job I've taken on so far.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • I'm trying MSing likeyou, twinklie - I'm with Retail Eyes and have now completed a lot of little jobs and hope interesting (and convenient!) ones start appearing. I find it helps knock the grocery bill down a bit (not having to buy lunch when I've got an MS lunch job), and a few evening meals, though these are always to places we wouldn't normally go, as it's chains that use the MS companies rather than individual 'nice' restaurants! Having said that, I did the car insurance one that was advertised on the weekly email a couple of weeks ago - a £50 cheque should be winging my way for about 2 hours' work.

    I'm treating it as a hobby that breaks even rather than a money making venture - have you registered with the Revenue, yet, as you have to be self-employed? The school holidays should give you good availability for any late notice stuff they call you with - good luck with it!
    Mortgage Free thanks to ill-health retirement
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