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  • FIRST POST
    • themadvix
    • By themadvix 10th Mar 12, 9:51 AM
    • 1,719Posts
    • 10,056Thanks
    themadvix
    Finally I have a mortgage I can start to pay off!
    • #1
    • 10th Mar 12, 9:51 AM
    Finally I have a mortgage I can start to pay off! 10th Mar 12 at 9:51 AM
    Hi Everyone,
    Having been a long time lurker on this board whilst saving for a house deposit (you!!!8217;re all so friendly and positive that it!!!8217;s an inspiring place to !!!8216;hang out!!!8217;), my fiance and I completed on our first house yesterday!

    It!!!8217;s a three-bedroomed terraced house in Hertfordshire (hence the long saving period) with an 80% LTV mortgage of 132,999 with Natwest, fixed for 2 years at 3.79%.

    There!!!8217;s just the two of us (and our new two fish, Rosie and Jim, inherited with the house!), but I work from home, hence the need for a third bedroom as office space. We won!!!8217;t be moving in until June as the house needs some work doing and we!!!8217;re getting married in June so it seemed to be a sensible option (as we both currently live with our parents!!!8230;tragic I know in my late 20s, but nice mortgage rate as a result).

    Obviously with house needing work and a wedding looming, I don!!!8217;t expect to be making much in the way of overpayments for a while (but this won!!!8217;t stop me rounding numbers down or transferring small bits across). Another issue is that although DF is employed (and hopefully about to get a new job in the company ), I am self-employed and therefore my income varies drastically from month to month. However, I have built up a fairly solid client base over the last five years, and especially in the last year, so I hope that this will continue to improve and that I will be able to contribute to overpayments.

    DF is the spreadsheet nut, so I!!!8217;m hoping he!!!8217;ll get it set up for me so I can play with figures soon (although I have no idea what a pivot table is and am not convinced I need to know! ) We!!!8217;re already a very MSE couple having been saving for so long !!!8211; we cashback, do surveys, shop around, get the freebies that are relevant to us and have already (having gone to the house last night) established that if I!!!8217;m paying the energy bills we!!!8217;ll be living in a cold house! In all seriousness though, we are both on board with the idea of overpaying the mortgage - it just makes sense!

    So, for the moment this diary will be a place to record the small things I do as well as the little overpayments I make (once my mortgage shows up in online banking!). Once June has flown past and we!!!8217;re back from our honeymoon, I!!!8217;ll get a grip on income and expenditure and work out an SOA and how much we can regularly overpay.

    Vicky

    PS Long, long term, this isn!!!8217;t our forever home and one day we!!!8217;d like to build our own environmentally friendly home! But more of that in the future!!!8230;
    Last edited by themadvix; 21-11-2016 at 5:06 PM. Reason: Because I got the interest rate wrong!!
Page 40
    • michelle09
    • By michelle09 3rd Jan 18, 6:39 PM
    • 787 Posts
    • 4,369 Thanks
    michelle09
    The Fitbits are a very good way of keeping you accountable. I do long for the days when I routinely did 30,000 steps.

    Hope the kitties are feeling better? Would filtered water be ok or could that be bad for them as well?
    • themadvix
    • By themadvix 3rd Jan 18, 7:10 PM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    30,000 steps is very impressive Michelle!

    Kitties seem to be okay on new diet. I tested our water from the tap and filtered (we have test strips for the pond) and there didn't seem to be much of a difference sadly.
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • themadvix
    • By themadvix 4th Jan 18, 10:56 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Morning all!

    Feeling very motivated and positive this morning - am nailing the NY resolutions at the moment and I think it's helping.

    Have done all the work I can for the moment - am having trouble with one of the client's platforms, will keep trying though.

    Today I must get on top of the Brownie finances.... I've said it here, so now I must do it! I'm missing a leaders meeting next week so I also need to write a report about fundraising etc, so that progress can be made - I need some decisions making before I can do much more.

    It seems to be very quiet on the surveys front at the moment. I can only assume that either I'm not the right fit or the survey writers just haven't gone back to work yet!

    MS things:
    * Made pies for dinner (including pastry, my nemesis!) to use up some droopy veg last night. Enough left for tonight's dinner too
    * SBs ongoing - no surveys here either so it's all taking a while.
    * VB poll done
    * Nearly at pay out on PA and MS rewards.... so close!
    * Meter readings submitted and amazingly we're still in credit (heating off all day yesterday until 5pm)
    * Ebay parcel sent and monies transferred
    * Settled up with my sister for Christmas presents - up 6

    NY resolutions:
    * Yoga - done this morning
    * Podcast - also this morning - beginning to get into this
    * Kitty playtime - the boys loved the new attachments for their flying frenzies - a sparrow and a mouse, although there was less running around and more growling with them in their mouths! And ginger puss loves the treat ball we got - he's had two meals in it now and clearly missed his calling as a pro footballer - his dribbling skills are excellent!
    * 8661 steps yesterday - again, mostly inside - it was sunny but too windy for a walk! Have been enjoying views of Yosemite using one of the challenges on the fitbit (the steps reflect actual distances and you unlock views of the park... gamification it may be, but if it works, who cares?!)

    Gratitudes:
    * Cats still going to the loo (maybe TMI, but it's the only way to tell that things aren't deteriorating with their health)
    * Cats on nip are very entertaining
    * Lunch tomorrow with sis, niece and mum has just been organised (and at sister's, so free)
    * I'm oozing with positivity and motivation at the moment!

    Happy Thursday All!
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • themadvix
    • By themadvix 4th Jan 18, 11:48 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Item on FB sold and collected - 3 to the sheepbank... there's real money in there now, should think about paying it in.
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • Watty1
    • By Watty1 4th Jan 18, 11:59 AM
    • 2,992 Posts
    • 21,300 Thanks
    Watty1
    Sending love for kitties. Hope they continue to improve. Many years ago I had a cat who kept getting blockages from the crystals. I remember how stressful that was. I managed to claim the cost of his food on an insurance policy he had .... I think I remained in profit for a few years on that. Doubt they still do such good deals!
    Mortgage at start of diary Sept 2013: 132,995 Aug 2015 0
    Overpaid next mortgage. 79,491 down to 27152
    Changing focus for now
    • themadvix
    • By themadvix 5th Jan 18, 10:48 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Thanks Watty. All seemingly okay here with the cats. We've got to test the urine again in a couple of weeks. I've yet to do the research on the prescription food to find out how much/if we can save by buying online (almost certainly, even with the prescription charge!).

    Hardly slept last night, so was up late this morning. However, I have managed to stick to my new, healthy and educational routine, so I'm pleased with that.

    Spent most of yesterday sorting out the Brownie finances since October - it turned my brain to mush but I got there!

    Today I'm off to have lunch with sister, niece and mum, and I need to pop into town to pay in some cheques (Brownies owe me 20, that means we can have another veg box this month!) and do a couple of other chores. The sun is shining so we'll hopefully go for a walk to the park after lunch too.

    MS things:
    * SBs target reached yesterday (eventually) and today (surveys, thank goodness!)
    * OP at 9.85
    * Bonus MS rewards points claimed and today's points captured - another couple of days and I'll have done it
    * All work completed yesterday in the end - and nothing new so far today (still the quiet of post-Christmas for my European clients)

    NY resolutions:
    * 10,000 steps done yesterday
    * Yoga - yesterday evening and this morning
    * cat playtime - done
    * podcast - done, despite getting up late (no work helps - challenge will be when I'm busy and haven't slept!). It's definitely helping.

    Gratitudes:
    * Beautiful views of Yosemite on my phone from fitbit challenge
    * Lovely skies here today
    * Stir-Fri-day today - not had one in a couple of weeks and veg in yesterday's veg box looks delicious!

    Happy Friday everyone!
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • Karmacat
    • By Karmacat 5th Jan 18, 10:57 AM
    • 29,312 Posts
    • 167,876 Thanks
    Karmacat
    The views of Yosemite sound wonderful! As you say, who cares about gamification

    SB - I recently found out how helpful it could be to meet the daily goal, cos of the amount of bonus - so yesterday, after I got back from London, I set my phone to watching videos and the single thing I actually did, much later on, was to do the daily tasks - got 15points for the search, so I actually met my goal, I was astonished.

    Loving the stories of the cats, no TMI don't worry - keep us updated And have a great day today.
    Retired August 2016
    • themadvix
    • By themadvix 5th Jan 18, 11:05 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Hi KC - yes, the targets on SBs definitely help. It seems like a pointless task working so hard for such small gains, but the multiplier effect when you meet daily goals etc., actually adds up. I've never done it because I don't tend to be at my computer much at the weekends, but for meeting goals on a 7-day streak there are further bonuses too.
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • newgirly
    • By newgirly 5th Jan 18, 11:15 AM
    • 6,335 Posts
    • 43,801 Thanks
    newgirly
    Hi vix, our dog had the same issue years ago and had to have the crystals removed, the vet suggested the special food which she had for a long time, it was still dry food though and lot of what I'd read online suggested wet food would be better, so i did switch back and she was fine on it and we didn't have any more issues. I also switched to wet food for the cat for thte same reason.

    However your vet probably knows best!
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,319 4yrs left. Total owed 48,358 plan to clear in 14 months
    • themadvix
    • By themadvix 5th Jan 18, 11:41 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Thanks NewGirly. They have half and half at the moment anyway - pampered cats get homecooked chicken (or turkey at the moment) as well as dry stuff. Definitely wet food is the way forward, possibly with cranberry extract too? (I need to do more reading). It really irks me that the vets recommend these 'special diets' (because their nutritional training is sponsored by the big pet food companies) which are full of rubbish and a few 'healthy additives'. The first major ingredients in the prescription food are rice and maize.... both grains and a grain-free diet is best for cats, not only generally, but specifically in terms of this condition! (So no, lovely though he is, I don't think my vet does know best!)

    Expensive dry food will only be used to get them back on the straight and narrow before we make adjustments. As they're indoor cats, kitty playtime (NY resolution) is hopefully going to help de-stress them too.
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • themadvix
    • By themadvix 6th Jan 18, 12:16 PM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Morning all!

    Have popped to the bank this morning and done some other money bits. Am waiting for some frozen spent grain from DH's brewing exploits to defrost to have a go at making Biertreberbrot (beer bread) - it's money saving as the grain would just have been thrown away otherwise. Will let you know how it turns out.

    MS things:
    * Found 1 on the floor yesterday!
    * 11.56 (inc found pound) from sheepbank paid into bank account
    * 12.36 NW rewards claimed
    * Interest from TSB and Santa light cashback
    * All the above transferred against debt
    * Brownie cheque paid in and remembered Mum owes me 15, so will have plenty of float in current a/c for the month.
    * OP at 10.05 now
    * SBing as I'm on the computer

    'Debt' / buffer fund deficit 1698

    NY resolutions:
    * 10,000 steps yesterday
    * Kitty playtime - we're getting into a routine now - I fling the toys around on the string, the cats grab and won't let go - that's about it for 10 mins - no movement, no play, just quite a bit of growling and the occasional hiss at each other/imaginary enemies!
    * Yoga stretches done this morning and I'm sure DH and I will do a full 20 mins later
    * No podcast today - I'm not intending to make this a weekend activity

    Gratitudes:
    * aching muscles from exercise
    * lovely lunch with mum, sis and niece yesterday - went for a walk to the park afterwards and niece loves the swings - huge smiles and giggles!
    * pottering around the house day today - housework, wallpaper stripping, baking etc. DH is doing some car stuff

    Have a good weekend all!
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • themadvix
    • By themadvix 8th Jan 18, 10:20 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Morning All!

    Bread update: The bread did not come out well.... at all... I think it was probably my fault as I needed to allow the grain to fully defrost and I didn't. I'll try again. DH did take a couple of bits to work, but the middle is very soggy and will probably end up in the bin.

    Yesterday was my birthday and a bit of an odd one - I had an appointment at the hospital for an echocardiogram in the middle of the day! Fortunately it was quick, painless and the technician seemed to think all was okay. DH and I went out for lunch afterwards to one of our favourite pubs - the food was lovely, as ever, but we were stuck in a corner and service was terribly slow. Between this, the appointment and DH receiving a call from the cc company because there had been fraudulent activity on the account, we didn't get a walk in, which was such a pity as it was a gorgeous day. Never mind.... next weekend, we've promised ourselves a proper walk!

    I was completely spoilt in terms of presents - apart from where I'd requested specific items, everyone gave me cash, which I need to spend on clothes! Dad gave me cash as 'cinema vouchers' - as DH can get them with a discount and use Meerkats, cash seemed sensible. I'll keep this to one side for cinema trips. I'm sure some of the money will end up going into the treat fund, which needs topping up, and on sensible house items, like loft boards (we need another pack) - exciting stuff!

    MS things:
    * DH dropped me and picked me up from hospital - no parking charges
    * SBs doing
    * VB poll and survey done - 35p
    * OP at 10.25
    * It's freezing here this morning, but cat warming lap, so haven't put heating on yet!
    * Road tax renewal and income tax bills paid
    * Two items sold on ebay - will post today. Only small amounts but every little helps and it's all out of the house!

    NY resolutions:
    * Shockingly only 6k steps yesterday - events conspired against me, as I'd wanted to do 10k. Was very tired in the evening too.
    * Kitty playtime - done
    * Brief yoga yesterday, but full 20 mins this am
    * Podcast - done

    Gratitudes:
    * I was a bit overwhelmed by the generosity of my relatives yesterday - I seem to have had an awful lot of presents!
    * Gorgeous sunshine yesterday (very grey today in comparison)
    * Lovely lunch yesterday
    * Kitty cuddles (making typing quite difficult though!)

    'Proper' work (i.e. I can get my teeth into) has arrived, so must get on. Happy Monday all!

    ETA: Can't believe I forgot this (it's the point of the diary after all....) but DH made an OP of 490 on Saturday from savings from his payrise. (He's also cashed in ~1800 of share options, as his company is doing quite well at the moment). Only minor things to forget!
    Last edited by themadvix; 08-01-2018 at 10:42 AM. Reason: Forgot the point of the diary!
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • Jessy103
    • By Jessy103 8th Jan 18, 10:24 AM
    • 525 Posts
    • 2,237 Thanks
    Jessy103
    Happy Belated Birthday! x
    Original Mortgage Amount 2007 - 87,310.50
    Mortgage Amount Jan 2018 - 58,500.00
    Overpayment Target for 2018 - 5,000 /663.78
    Jan - 369.23 Feb - 294.55
    • ch4rly2002
    • By ch4rly2002 8th Jan 18, 11:24 AM
    • 358 Posts
    • 1,508 Thanks
    ch4rly2002
    Happy birthday for yesterday

    Well done on the OP and the resolutions. Sounds like you're off to a great start for 2018!
    Savings: Aim 13.5k. Dec 2016 1,700 / Feb 2018 12,350
    Mortgage: Dec 2014 -216,000 / Mar 2018 -191,390
    BTL Mortgage: Dec 2014 -136,000/ Feb 2018 -123,400
    CC 0%: Nov 2016 -4,500 / Feb 2018 -3,368.27
    Loan to In-Laws: Sep 2010 -48,185.82 / Mar 2018 -30,065.49
    Student Loan: March 2011 -18,275.04 / April 2017 -14,003.85
    • Karmacat
    • By Karmacat 8th Jan 18, 2:00 PM
    • 29,312 Posts
    • 167,876 Thanks
    Karmacat
    From me too - happy birthday for yesterday!

    Have a cake or at least some coffee


    Birthday sounded pretty up and down, actually - but lots of nice ups there, in the main. And fantastic overpayments to celebrate!
    Retired August 2016
    • themadvix
    • By themadvix 9th Jan 18, 10:23 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Thanks folks

    No work this morning, so no excuse not to get on with some wallpaper stripping shortly. Am currently running through the money stuff though. SB going in background and on tablet. Have closed a savings account too this morning - 22p interest had credited but because it was less than 1 I couldn't withdraw it. Promotional rate had expired on the account, so I've closed it and sent the money to somewhere it'll earn me more.

    Steps got derailed yesterday - had planned to go to IKEA in the evening, so figured I'd do plenty there, but in the end we didn't bother so didn't quite make 10k, despite my best 'TV marching' efforts! It's very grey here today, but I will make a point of going for a walk. Mum might pop round for lunch, so I'll suggest it to her, and I need to pop to WR anyway (I have a 2.50 voucher to use anyway).

    MS things:
    * SBs ongoing. Exceeded target yesterday in the end as there was a late survey. Swago on now, so hope to get a good bonus from that and the spins.
    * PA - waiting for a couple of surveys to clear and then I'll be at pay out. Need to focus on this more this year I think - like Kittenkirst said on her diary, there's definitely money to be made there.
    * VB poll done
    * A bid on an item on ebay and other items dispatched yesterday
    * Have bumped the item still on FB and the bits I'm selling on FB for Brownies - would like them gone!
    * Cinema voucher sorted for tomorrow night - ~6 for both of us to go. Sis gave me a bag of popcorn for Christmas (as part of a hamper), so we'll be treating ourselves with that (rather than hm popcorn, obviously!)

    NY resolutions:
    * 8898 steps yesterday.
    * Podcast and yoga done
    * Kitty playtime half done - DH began clicker training with the less food obsessive cat (it just doesn't work with the other one). I was meant to play with t'other one, but this didn't happen - he did get enrichment treat/play though. DH is out tonight, so I'll make sure they have a good play before I go to evening class

    Gratitudes:
    * Walk today won't be as horrible as yesterday - in the damp, dark gloom at 4pm!
    * Replacement soda bread came out well - and used up some elderly wholemeal flour
    * Nice phone catch-up with friend yesterday
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • themadvix
    • By themadvix 10th Jan 18, 12:09 PM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Hey All,

    Bit later this morning as I've been focusing on getting the work received overnight done. It makes up a bit for the sorry state of affairs yesterday and I've got another item coming later that I'll need to get done today. Am going to my Aunt's dad's funeral tomorrow - 12pm, so I won't get much done around that.

    DH and I are going to the cinema tonight to see The Greatest Showman. After our recent trips to the cinema, I've kind of got into the mood for it. Speaking of recent cinema trips - checked my comping email yesterday and I've won a Paddington goody bag! I don't remember entering the competition, but am very much looking forward to it arriving in the post!

    MS things:
    * Remembered we need to send an engagement card to BiL and partner - found one in the box that's been lurking for ages, ~2 saved!
    * 10 Pizza Express voucher claimed from MS rewards - with DH's and a good 50% off voucher, that's a meal out sorted
    * Paddington goody bag won
    * 10 Z00plus voucher from SBs claimed - won a 50SB swag-up from spins, and then used claim to fill in square to claim another 50 bucks... pretty pleased with that. Am hitting first goal every day during the week (and exceeding it), so will have a good bonus come 1st Feb. At the moment I'm only using 2 video apps but am considering downloading them all and really going for it... Any thoughts? I'm never sure about electricity consumption vs points, even with the multiplier effect.
    * Cats 'prescription' food is *not* prescription only - naughty vet - so will use voucher to order from Z00plus, with cashback and joined their savings club last year as it saved me money off my order then, so another 5% off I think! Just got to wait for voucher to come through. Will be a massive saving compared to buying from the vets (of course)
    * PA - *still* waiting for a couple of surveys to clear!
    * OP - at 10.90
    * VB poll done
    * MyWaitrose discount on 2 of the items bought yesterday

    NY resolutions:
    * Podcast - first evening class back last night and my dliligence is paying off, so will be keeping this up. Have been enjoying it too.
    * Kitty playtime done
    * Yoga - done this morning
    * 10k steps yesterday... but I think it misunderstood wallpaper stripping as steps. I'm not too worried as wallpaper stripping is fairly active work!

    Gratitudes:
    * Wallpaper was fun to pull off (stripy vinyl - top layer peeled off in vertical stripes and lining paper was a dream - very satisfying and almost all done!)
    * Ahem, might have used the 2.50 off voucher in WR to buy DH and I a cupcake each (I didn't get any cake for my birthday, so that's my excuse) - it was delicious!
    * Good evening class
    * Cinema tonight

    Happy Wednesday all!
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • Karmacat
    • By Karmacat 10th Jan 18, 1:19 PM
    • 29,312 Posts
    • 167,876 Thanks
    Karmacat
    I thought of you doing the gratitudes ... did them myself later on last night, it was nice.

    I'm with you in wondering about electricity consumption vs SB points for those videos - especially as I caught my phone "watching" one that was 11 minutes long, and needed another 14 to get two points!!! Not good. But when I've done the French accounts, I'm going to haul out the little solar array I bought last year, specifically to charge smartphones, and see what that does.

    Have a lovely time with your OH watching the film and I hope tomorrow isn't too bad, at the funeral.
    Retired August 2016
    • themadvix
    • By themadvix 10th Jan 18, 1:30 PM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Gratitudes are good! They always help to remind me how lucky I am, even on a miserable, mundane day.

    I sit with the tablet next to me skipping through the videos as soon as possible - it's the long ads that get me. On the swagbucking in 2017 thread there was a link to how to add the shortest video to your favourites so you can just cycle through that. But the reddit thread for the shortest videos seemed to be a few years out of date (and it all seemed a bit beyond me!). If you can get it working with the solar power then it's got to be a winner though!

    Tomorrow will be okay, although I think there may be a lot of tears from the family (especially my cousins). It's quite hard to process at the moment, as we usually only seem him once or twice a year (one of those being Christmas) and because Christmas was disrupted this year (because of his death, but it didn't seem particularly like that), I don't think it's really sunk in. He had a good life though and was very much loved, but he was suffering at the end (lung cancer), so it was time.
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
    • themadvix
    • By themadvix 11th Jan 18, 9:29 AM
    • 1,719 Posts
    • 10,056 Thanks
    themadvix
    Morning all!

    Just a quick update today - off to funeral in a bit and have to do various things beforehand.

    Didn't see The Greatest Showman last night as DH tried to book at lunchtime, but it didn't go through, so seats sold out before he realised. saw Jumanji instead (saved 1.70 booking fee too) - it was excellent - very funny and not as dark as the original. Really enjoyed it!

    MS things:
    * Took popcorn from Christmas present (half the bag, the other half is saved for next week - can you tell I'm counting calories?!)
    * Saved 1.70 booking fee
    * PA surveys done - still waiting for it to tick over to withdraw!
    * OP at 11.10
    * VB poll and survey done - at 4.30 now and there's a 2.40 survey to do, but I've not got time now.
    * SBs doing their thing, but may not make the goal today
    * Free lunch today? Is that taking it too far?! Mum is driving so saving me some petrol too
    * Found something for ebay, have taken pics, so will list later

    NY resolutions
    * Yoga - did a much shorter video this morning as short of time, wasn't as good, will revert to normal one
    * Kitty playtime was very short last night, so need to improve tonight
    * Podcast going really well.
    * V. poor steps yesterday - 7k - must improve today!

    Gratitudes:
    * Will see family today, although not under best of circumstances
    * Film was great last night
    * Really enjoying listening to podcasts

    Have a good day all!
    OPs 2018 = 2090
    Moving savings = 636.46
    OPs 2017 = 3103
    Starting balance 2012: 132000; balance Jun 2018: 92,000
    MFW2018 no. 38
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