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    • EatingTheElephant
    • By EatingTheElephant 26th Jan 16, 7:50 PM
    • 1,311Posts
    • 7,155Thanks
    Time to get serious
    • #1
    • 26th Jan 16, 7:50 PM
    Time to get serious 26th Jan 16 at 7:50 PM
    Hello Everyone

    I have been reading this forum for quite a while now. There have been many mentions that a diary has helped many of you with your goals, so I'm here to join in and knuckle down.

    My oustanding mortgage is very small, that is not the real challenge!

    This year the mortgage will be gone, however we are really keen to move.

    Getting a mortgage for the type of house we want will be difficult, so the plan is to save as much as possible. It doesn't help that I am very impatient!!

    The initial focus is to clear the current mortgage and reduce the outgoings. On the 1st January it was £9400 and I was hoping to have it paid off by the end of the year. It is currently at £3900

    So far I have claimed credit back from energy suppliers, claimed outstanding expenses from the business and sent off scrap gold. Ate from the mealplan, there was lots of food left over from Christmas and used the nectar points at $ainsburys and T3sco points for food, claimed the cashback sitting in T0pCashback, scoured all the accounts to shuffle bits into the mortgage and bought virtually nothing all month (not sustainable I know!!).

    Off to hunt for the next financial area of focus....
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    • EatingTheElephant
    • By EatingTheElephant 8th Jul 18, 6:50 AM
    • 1,311 Posts
    • 7,155 Thanks

    The goal for today is to try and keep cool! Iím finding it hard to get things done in this heat. Even walking the dogs at 6 and it is hot already. This year is certainly a year of extremes weather-wise.

    The last event of this month that requires hundreds of miles of travelling was yesterday, all the others are more local until September now, apart from a lesson later in the month, which should help with fuel costs.
    The cool bags and taking food each week has been such a great help with costs.

    Iíve signed up for the MasterCard offer that was in the email the other week, not sure if it will be much, but every little helps

    The extension has still not been started, who knows when that will begin.

    Other money news is that the huge contract for our business is coming to an end. This is completely expected, it was only supposed to be for a couple months and has rolled on for a few years, so canít complain. Iím looking forward to a bit of time to catch up with everything else! Although not great timing for the extension.

    The business year end is end of July so I really need to get all expenses completed before year end. They are somewhat behind.
    • Busy Mee1
    • By Busy Mee1 8th Jul 18, 7:09 AM
    • 639 Posts
    • 2,841 Thanks
    Busy Mee1
    Morning ETE glad to hear all well in your world....really frustrating waiting for builders to start, hopefully they will start soon.
    I didn't notice what the MasterCard offer so will have a little look.
    • EatingTheElephant
    • By EatingTheElephant 8th Jul 18, 7:20 AM
    • 1,311 Posts
    • 7,155 Thanks
    There was an offer in the mse email but Iím not sure what date that ran out, if itís run out already you can use my referral code we will both get £5 according to the email they sent me. Feel free to use it if you would like


    The link to the website is

    Hope that helps BusyMee.
    • Busy Mee1
    • By Busy Mee1 9th Jul 18, 6:50 AM
    • 639 Posts
    • 2,841 Thanks
    Busy Mee1
    Thanks very much ETE will have a look
    • EatingTheElephant
    • By EatingTheElephant 14th Jul 18, 6:11 AM
    • 1,311 Posts
    • 7,155 Thanks
    Another tiring week, Iíve been looking forward to a lie in but have been awake for ages. Typical!

    A local-ish dog event today, only a 2hour drive, which is a lot but compared to the drives we have been doing is a luxury! Food is packed ready.

    We are taking our niece to the cinema tomorrow for her birthday treat, I need to look out the Lloyds account cinema tickets for this a bit later. Then both DDs will be round for a BBQ.
    • EatingTheElephant
    • By EatingTheElephant 14th Jul 18, 7:44 AM
    • 1,311 Posts
    • 7,155 Thanks
    Iíve just found the email for the cinema tickets and I think Iím slightly sad as Iíve becime very excited that you can use the codes when booking online now
    Previously paper had to be printed and handed over to an actual person.

    Second bit of excitement for the day, logged onto internet banking and there was a message that you can now pay in cheques by using your phone camera. Amazing
    • Karmacat
    • By Karmacat 14th Jul 18, 10:41 AM
    • 29,440 Posts
    • 168,979 Thanks
    Oh my word! I think I'd be quite excited too at that

    A two hour drive is local??? My sympathies. I'm off to a local event today (horticultural show, I'm picking up my ticket to a coach trip to see Chelsea Physic Garden and Fulham Palace) and its 12 minutes walk (to the show, not to Chelsea Physic Garden!)
    Retired August 2016
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