My Mortgage Reduction and Savings Diary

SuiDreams

Unfortunately the Building Society made an error this month and reduced my payment inline with the rate cut so my overpayment is down a few pounds, but I have been reasured that they will take the correct amount next month.

elantan

are you managing you save your money as well i know that was a bit of a worry for you ...if so where you putting it? there are some good isa's around just now

SuiDreams

Its currently going into ISA's and Regular Savers, got some money going into my ISA tomorrow, so will be updating my savings total then, one more payment to make on 0% card so should be able to my savings next month. Plus made a big saving by buying 6 months Hayfever Tabs on line, so that should be a bit more that I can put away. MS Money is showing that I wil meet my savings target so fingers crossed.

SuiDreams

Think I'm going to look into a better instant access savings account today, most of my Money is going into accounts that I can't access easily (reg Savers etc) it stops me being tempted to spend, but keeping a small amount in instant access accounts. Most of it is in the account lined to my current account but its only at 5% (3.9% net) and some in Halifax Web Saver at 5.5% (4.4% net). So going to try and keep only enough money to cover current months bills in linked account and the rest in a higher interest esaver.

SuiDreams

Thinking about it I really need to Earn more money to help with paying off mortgage. Already do surveys and cashback sites, but this has been going on things for the house or payments off 0% credit card (depending on if its cash or vouchers), with 0% card just about paid off, this can probably either go into helping me reach savings targets or overpayments on the mortgage. Think I will try and start selling some of our junk on ebay again, but I'm going on Hols for a week in three weeks time so probably best waiting till I get back. I must start doing my daily clicks again as well. Think I need a bit of a kick up the !!!!, to make sure I get things done.

SuiDreams

I've over spent quite a bit this week and still need to get a few things for Holidays, so don't think I'll be able to save as much as I'd hoped next month, but will keep my fingers crossed, as not expecting to spend a lot while I'm away. Only three week to go.

SuiDreams

Just paid off 0% credit card, so now all additional monies will be going into savings/Mortgage over payments. Yippeeeeeee

SuiDreams

Apllied for the BM ESaver account, but still waiting for it to be opened, probably won't be sorted till after Hols. Trying to convince myself that I don't really need anything for Hols as its only 1 week and there will be a washing machine there as well. Really over spent last week so need to keep myself on Track for the next few weeks. Mind you some of my Purchases from last week are saving us money, we've had 3 homemade Gluten Free Lasagnes and they have all lasted us 2 days, so its really cut down on the food shopping.

SuiDreams

Well my Cash back sites and survey earnings aren't doing very well this month (partly due to me waiting for more than 3 months for 2 items on quidco), but I'm above my YTD target. I get paid on Friday which is great. Think June will be an expensive month though due to Holidays etc. Sent off a £1 cheque to Birmingham Midshires on Saturday to open the account. Hopefully log on details will come through soon so I can pay some money in before I go away (fingers crossed). Going to try really hard to spend as little as possible and try to increase my income as much as possible.

SuiDreams

Just cancelled 0% Credit card and its now chopped up into tiny bits in my bin.:T Just got the Cashback cards now.