ATB'S Frugal Foray to Freedom

atypicalblonde · 17 April 2018 at 11:07AM

A_Frayed_Knot wrote: »

Just asking as, when I entered a new deal, I was allowed 10% o/p's till old deal ended, then 10% from start of new deal in the same year Just thought I would mention that.

Thanks for this AFK, I will ask the question. They STILL haven't refunded the incorrectly charged product fee :mad::mad: I will keep chasing; I know they will do it eventually, it's just highly annoying.

Just made an OP of £300 to keep us on track. I have written down in my mortgage notebook exactly what we need to OP each day in April (and where said funds are coming from) to get us to the magic five figures.

Our fridge and freezer and fully stocked so we won't need any huge grocery spends this month :money:

shangaijimmy · 17 April 2018 at 4:27PM

Have you started planning your sub 100k celebration yet?

atypicalblonde · 17 April 2018 at 5:40PM

shangaijimmy wrote: »

Have you started planning your sub 100k celebration yet?

Yes - a bottle of Taittinger, a rib eye steak and a massage! (just realised that sounds dodgy :rotfl:) - the latter to be enjoyed separately!

atypicalblonde · 18 April 2018 at 4:02PM

The sun has been inspiring today, got loads done and feel full of a renewed positivity. I have absolutely loads I need to get done tomorrow, and because I am out for a large chunk of the day a list is needed!

Right here goes:

- Dog walk early doors before DH goes to walk
- Kiddies to breakfast club at 7.30 (and pay breakfast club)
- Take relative to appointment
- Walk dog again
- Chase up DHs unpaid invoices
- Pay DH tax bill :cool:
- List 5 things on fleabay (I know I said I wasn't going to bother anymore but have identified a few bits that can go so must make the effort)
- Make an OP of at least £1k
- Chase up the Halifax for the product fee refund :mad::mad:
- Nip to the local charity shop to pick up some summer clothes in my size!

OP made of £60 earlier :T

atypicalblonde · 19 April 2018 at 4:15PM

atypicalblonde wrote: »

[STRIKE]- Dog walk early doors before DH goes to walk[/STRIKE] DONE
-[STRIKE] Kiddies to breakfast club at 7.30 (and pay breakfast club)[/STRIKE] DONE
[STRIKE]- Take relative to appointment[/STRIKE] DONE
[STRIKE]- Walk dog again[/STRIKE] DONE
[STRIKE]- Chase up DHs unpaid invoices[/STRIKE] DONE
- Pay DH tax bill :cool: Not done
- List 5 things on fleabay (I know I said I wasn't going to bother anymore but have identified a few bits that can go so must make the effort) Not done
- [STRIKE]Make an OP of at least £1k[/STRIKE] DONE, £1.4K OP MADE :T
[STRIKE]- Chase up the Halifax for the product fee refund :mad::mad:[/STRIKE] Nice chap assures me it is in the process of being done :cool::cool:
- Nip to the local charity shop to pick up some summer clothes in my size! NOT DONE

I'll take that for today! Also managed a NSD. Tomorrow has been earmarked for ebay listing, and chasing up Halifax again if it's still not refunded!

DH on his way home from work and we are having pork belly, my absolute favourite, for dinner with little roast potatoes and roasted veg, bliss. I hope everyone is enjoying the sun xx

shangaijimmy · 19 April 2018 at 5:40PM

A successful day all round, and still time to tick a few things off the list....!

atypicalblonde · 25 April 2018 at 3:38PM

Have been absent for a few days due to some not so nice happenings in real life

They rumble on, but I have still done some MF bits.

The product fee has been refunded :T and we have had written confirmation that our new rate kicks in from 1st May. I do need to send the Halifax a letter querying if our 10% OP limit essentially "re-starts" as we are on a new deal - will add that to tomorrow's list.

Have made an OP of £160 - £100 from the housekeeping pot, and I made £56 of ebay sales yesterday so have rounded that up to £60. Have another 6 items listed on there, all on reasonable buy it now prices, and would net another £50 approx if they all sold. Fingers crossed!

I am in a slight quandry this week I must confess. We owe HMRC £1k for PAYE/NI, but if we pay them a week or so late we could have a dividend and get into five figures by the end of April (rather than June, which was my target). They don't charge interest on late payment of PAYE, just send the odd shirty letter

Decisions decisions!

atypicalblonde · 26 April 2018 at 10:01AM

Another overnight ebay sale and a TT of the account means a £19.34 OP has just been made.

I have earmarked some other bits to list on fleabay which is this afternoon's job after a much needed haircut!

A_Frayed_Knot · 26 April 2018 at 7:50PM

atypicalblonde wrote: »

Have been absent for a few days due to some not so nice happenings in real life They rumble on, but I have still done some MF bits.

:(

The product fee has been refunded :T and we have had written confirmation that our new rate kicks in from 1st May. I do need to send the Halifax a letter querying if our 10% OP limit essentially "re-starts" as we are on a new deal - will add that to tomorrow's list.

I was given this info when I went into branch for re-mortgage, maybe a phone call would suffix.

Have made an OP of £160 - £100 from the housekeeping pot, and I made £56 of ebay sales yesterday so have rounded that up to £60. Have another 6 items listed on there, all on reasonable buy it now prices, and would net another £50 approx if they all sold. Fingers crossed!

:j

I am in a slight quandry this week I must confess. We owe HMRC £1k for PAYE/NI, but if we pay them a week or so late we could have a dividend and get into five figures by the end of April (rather than June, which was my target). They don't charge interest on late payment of PAYE, just send the odd shirty letter

Decisions decisions!

I feel your pain, also have a quandary similar to that. Shirty letters can be[STRIKE] binned[/STRIKE] I mean . . . recycled - it's not as if you can't pay, just means . . . later.

atypicalblonde · 27 April 2018 at 3:57PM

Thanks AFK. Every time I call the Halifax they are clueless and I get all bothered with them, so have sent a letter asking for confirmation instead.

Afternoon all

Raining cats n dogs here. I am looking after my friends boys overnight, so 4 kids under 6 in my charge tonight. Is it wine time yet?!

Another item sold on eBay, so £12 just OPd.

:cool: I have a plan. It's a back-of-a-fag-packet plan, but a plan nonetheless, whereby we will be in five figures by this time next week

;):cool:

I'll love you and leave you all in suspense until this time next week...

ATB'S Frugal Foray to Freedom

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