MeandO's mortgage-free musings

selloptape wrote: »

Wow - you are smashing the £100 monthly target! And congrats on the cheque, I might try thinking that when I get in tonight

Thanks sellotape. Hope you're lucky with the mail today too!

Brrrr it’s cold. Makes me feel so very grateful DS and I have a warm home to go to and plenty of food in our cupboard.
No snow here at the moment, but it is apparently on its way and there’s a possibility DS’s school may be closed tomorrow which will be difficult as I have no childcare options, other than working back the time at work which is really difficult to do.

I have spent £8 today on a 6 month subscription to a magazine I bought and loved. Thought i’d treat myself! Money will come out of my spending budget for that.

I’m hoping to get some surveys done tonight and earn a few extra points towards a voucher or Paypal funds. I’ve had notification of surveys available but no chance to do them today so far.

Off to DS’s swimming lesson shortly, then prepping tea, getting lunchboxes ready in case school/work is on and then hopefully a sit down with the laptop and getting a few things done!

I just realised I made a mistake with my mortgage totals last month - because I count my OP target month from payday to payday I forgot to add on the mortgage interest which is added a week into my 'month.' So, my mortgage is higher than I had been recording. :mad::(

Not exactly sure what the total is yet, but I've worked it out to be £77531.60 - if my daily interest calculations of £6.20 are correct.
Hmm, if I could make overpayments to the equivalent of £6.20 a day, at least I'd be covering the interest. Maybe when I receive the extra tax credits I'll be able to achieve that.

£77,358.05 is the outstanding mortgage amount, so lower than I had guessed. !!!128077;

It seems we were lucky enough to avoid the snow sellotape. It’s strange as everywhere else around us got covered, but we didn’t get any!

I made some pasta bolognaise for tea for DS and myself with mince from the freezer last night - even managed to hide a fair few veggies in there that DS didn't notice. I'm currently tucking into a leftover portion for my lunch at work and have frozen one other portion with pasta and one portion of the meat sauce.
Tonight we'll have something from the freezer/cupboards.

We need to pop out to a shop and buy DS some new wellies tonight too as his are too small. We didn't get chance last week.
I also need to pick up some bread, bananas and tinned tomatoes as have run out. I'm hoping to hit two birds with one stone and get it all, including the wellies, from Asda. I think I have around £4 left on a gift card for there too.

There was a birthday this week that I needed to buy for, thankfully it cost me very little as I had picked up some gifts earlier in the year in the sales. I only needed to buy a card (59p in HB ) and some flour and butter to bake a cake. I also picked up Mother's Day cards in HB at the same time, just need to decide what I'm doing about a mother's Day gift for my Mum as anything I buy will need to be sent due to distance.

I've bought myself a few prints for a space in the lounge I've been trying to fill for ages. I cut costs and bought a greeting card version of a print to save ££'s too which I'll frame. That's all come out of my spending budget. There's some others I'd like too as am going to make a collection of a few prints, but I will buy those next month.

I started work on my bargain old £20 dining table yetserday. I only had about 10 minutes free to sand some of the top down, but the difference is amazing already! I love it! I can't wait to get on with that now.