New but not new - Year 1 of 5!
Comments
-
Thanks, Beanie.
So, December is here - where has this year gone?! My first "new" mortgage payment has gone out, so snowball duly updated, as is the signature. I owe a little bit less and I've saved a little bit more, so between the two, there is a reasonable difference month on month - I look forward to seeing those figures change over the next few months.
Goals for the month are fairly loose -
1) Have a fabulous Christmas with those I love, without getting carried away in spending more money than is really necessary.
2) Keep going with the "money for nothing" stuff and try and make more use of the opportunities available, without it encroaching further on precious "us" time at home.
3) Keep working through the mega stash of toiletries etc that I have and sort through anything that is not ever going to get used or is out of date.
4) Have a clear out - get 100 items out of the house for good.
5) Get back in the gym and work out where I am heading with my personal physical goals.
6) Keep focused on some big stuff that is happening in the background and look forward to exciting things for 2018.......
Happy December, everyone!0 -
......and we're off. The first £5 from swagbucks for December has been ordered!0
-
Great startI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Betterthanever wrote: »......and we're off. The first £5 from swagbucks for December has been ordered!
Good going, I hope to be there tomorrow :beer:0 -
Yay Kate! It's a good feeling!!
I've actually managed to order a second one today thanks to the monthly bonus coming through! I have also cashed out just over £5 from attapoll and £10 from jobspotter today. So £25 of free money today....if only every day were so easy!!
I'm seriously amazed, though.... without too much effort it makes a real difference!0 -
And the weekend starts with sunshine and my first withdrawal from Instagc.....another £5 Amazon voucher for very little effort, so I'm happy with that!
Everyone is at work today except me....so I need to step away from the surveys and make the most of the ability to blitz the house uninterrupted!! Hmm.....0 -
Hi sweetie, I'm back from points northward - I'm glad you had such a good time at points south-eastward
You are *so* inspirational, you know! £198!!! Congratulations!
My phone seems to finally be working, in that it can use the internet *and* it can use mobile data, so from Monday, I'll be paying serious attention to sb and all the rest of it. My initial aim is £50 a month, while I get my feet under the table - I'd love it to be £100
Have a lovely weekend, though I'm not quite sure that blitzing the house counts :rotfl:2023: the year I get to buy a car0 -
My aim is also £50 a month, KC and I am astounded that I have been able to get as much as I have so far! £50 is a whopping £600 a year - that's *real* stuff that makes a difference! I'm now saving my amazon vouchers towards something specific......it will become clear should the bigger background stuff all come together as hoped. Until then, I'm not wanting to tempt fate too much, so am desperately trying not to think of it all too much....although that is really difficult to do!
Blitzing the house isn't so much a blitz but a steady sweep lol, I am working my way through and hoping that eventually that, too, also comes together and makes it look like I have actually achieved something for my efforts!!
Re swagbucks, there is a new swago board starting on Monday at 5pm, so your return to it has been timed perfectly - make sure you register for it......every extra point helps!
Right.....back to it!0 -
Just stopping by to say love the diary, your energy levels are fantastic.
My mortgage is smaller than yours (£95k) but am sure you’ll overtake me. We are currently increasing pension contributions to a crazy amount (er, 44% anyone?) so all focus is on keeping a tight budget but come new tax year hope to be back to overpaying.
Just wondering - the cheap smart phone you bought, is the camera any good? My smartphone has the dreaded blue screen I need to try and sort out, bought a very basic Nokia for £10 after cashback but missing a few of my favourite apps and don’t want to commit to another expensive handset right now.
Anyway, subscribing and looking forward to following your progressMortgage [STRIKE]16/03/2011: £190K 01/01/2017: £107,729.65 [/STRIKE] 01/07/2017: £95,979.89
OPs 2011-2016 = £45K 2017 OPs = £9250.200 -
I confess to not having tried the camera....but I will donate and report back!!
As for my energy levels.....well, I have just woken up after falling asleep on the sofa. 'nuff said!!!!0
This discussion has been closed.
Categories
- All Categories
- 343K Banking & Borrowing
- 250K Reduce Debt & Boost Income
- 449.6K Spending & Discounts
- 235.1K Work, Benefits & Business
- 607.8K Mortgages, Homes & Bills
- 173K Life & Family
- 247.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 15.9K Discuss & Feedback
- 15.1K Coronavirus Support Boards