Getting a mortgage and then becoming mortgage-free!

shangaijimmy wrote: »

Great figures. My current favourite is net reduction for the month and being over £1k you must be so pleased.

Totally agree Jimmy- we're so pleased that it over £1k capital cleated this month fingers crossed we can get a few more in however now my bonus is done I'm not sure how close we will get!

Had a NSD today and received £3 Pinecone payment- and got to try something for free (yum) and received 91p interest on our joint bills acct so £3.91 overpaid to start May off. Hurrah!

No gym or yoga today as decided by lunch that the pain was still there so would let it rest another night. Going to do some weight training tomorrow but will modify and do some of them seated to reduce any pressure/pain on the back. Wish me luck!

Had a frustrating call ping pong between hmrc and student lians- tax think I owe them and have applied a disproportionate fine on top & have passed to a collections company, but the initial charges relate to student loans but student loans Agee I'm in credit with them and they've told hmrc. Spent two hours between the two and the DCA on the phone trying to resolve this farcical situation but have to wait a week and then call student loans back for an update; once the student loan piece is resolved I can appeal the fine apparently.....not what anyone needs especially as I'm in credit and due a refund :eek::mad::o

No point getting too wound up, I'm sure it will get sorted in the end!

On a more positive note my lifetime ISA bonus paid out today so gained £25 interest so it's now at the princely sum of £135- this one is going to be a slow burner to support pension/savings for retirements so slow & steady will win the race. Increased the monthly standing order up from £10 to £25 starting this payday so I'm putting approx £200 into pensions/retirement funds per month.

Evening folks,
A lovely bank holiday weekend was had, making IKEA flatpack furniture for the gfs parents, a few gym sessions and a lovely swim!

Also managed to visit my big brother and take him out for lunch, and go out for a spur of the moment pub lunch with some good friends :beer:

On the mse front we had some cashback finally confirm in Quidco which has been paid out tonight and promptly overpaid that's an extra £23.40 that wasn't planned so I'm pretty happy. Just completed a Pinecone survey too so that should credit andbe overpaid before payday!

May Overpayment is now at £27.41 before payday which is a great start to May!

Back is feeling miles better so I'm planning my first yoga session back tomorrow and can't wait. Breakfast/lunch/snacks & yoga kit all packed for getting into the office. Managed to hit at least 10k steps daily since Friday too so I'm back to my normal activity levels which feels good.

Now to not spend any more money until payday- I have some sandals to return and a top (total £9.50 big spender me) which I'm hoping to do on Friday so the funds are back in my bank rather than the clothes being carted around in the back of the car! ;P

Planning to book one of the Australia hotels tomorrow using the Avios points we've been collecting for years- we can easily use them to clear two night stay at Hervey Bay before the Fraser Island trip which will save us £200 & we'll then see what we've got left and if can use them at another stop in Aus- keep the costs down hopefully

Ooooh Vix I didn't know about that 'Head for Points' site- I'm having a read now- we haven't yet booked that hotel as Work/gym:yoga has taken over a bit the last few days but will this weekend.

With Pinecone I found it was quiet for a few months and then I'm again getting at least two a month and got to try a nice yummy product last month as well. Weird how it works! I've been very lazy with Prolific- everytime I remember to check there are either no surveys or non compatible with smart phones so not for me. Booo

On that note the Pinecone reward has been credited on Pinecone so I've requested the withdrawal

Had a good bargain shop after yoga tonight at my local tesco- needed skimmed milk, coffee milk, sweeteners etc but managed to get some green grapes for 31p, 2 different four packs of graze snack packs for 30p each (one peanut for gf, one beetroot for me), two packs of Thai fish sliders for £1.20 each (pretty lean meat for the food plan!) which are now frozen nicely and also got a new milky bar reduced sugar chocolate and claimed cashback from Shopmium (I really liked the milky bar I must say- scoffed it in seconds whilst watching Law & Order in bed :rotfl: )

I also managed to pick up three lots of sweetners as they were less than half price for our usual brand (& therefore cheaper than tesco own brand) and some other bits and bobs we needed. It was chaos in there though as some rather rowdy/pushy behaviour near the yellow sticker stuffs

Off to Manchester this morning but I can't sleep following my usual wake up snuggle demands from Hugo- I had hoped he would grow out of it but he now gets under the covers and snuggles up purring loudly and padding with his paws on my arm/yummy. It's incredibly adorable but blinkin shattering.

My back is feeling tonnes better and my step count is back up still which I'm pleased with, as well as having a fantastic first yoga class yesterday following the injury so all going pretty well, however my abs feel like someone's torn me after doing 36 bench leg raises on Monday night in the gym- hurts to giggle too much! :eek:

Managed to get a free flat white with vanilla syrup before yoga today too using my loyalty card I was at our other office today so managed to leave my car there and walk into town- only 30min walk- in the sunshine and then walk back after. Popped some tunes on and enjoyed the weather/walk and very much enjoyed the free coffee whilst I mooched in fat face/the white stuff dreaming of holiday wardrobes and the sale shopping to come later in the summer (:P) What a treat!

Off to catch up with some diaries seeing as I can't settle back to sleep!