Much to do about nothing...

Hello again just a quick update whilst I wait for lunch to cook!

I have been sorting out house things so far this week. I have finished all paper work yes at last!!!

I have also sorted though my house spreadsheet, I've started to list everything we will need for each room and the get an estimate for this. Unfortunately we can't do it all at once. But at least now I can check more easily that we are on target and not overspending. A lot more user friendly. I am becoming the spreadsheet queen!

Packing is coming along just packing what I can when I mange to accumulate a few boxes. Although its a little exciting it's mainly very boring.

Today I have sorted out the water yay and I hoped to sort out the council tax, OH works for the army, his main residence is at camp, he even pays council tax for it! We should get a 50% discount on our council tax, but my council doesn't want to play ball! I have been busy getting some more information, spoke to the AFF (Army families federation) got a get piece of legislation which says we are entitled to it! Yay so have e-mailed this off so I'm sure a bit more work to do on this but I'm not giving up!
I know people might think oh lucky you but the amount of money OH spends driving back to from camp on weekends is insane so this will make a huge difference. I'd rather pay full tax and have OH home all the time. *Sigh

So yes today I'll try and sort this out if I can, I'm hoping to start looking at a few jobs now the hard work is done and there is little to do now till we move in next week.

The whole job thing is stressing me out, I wont start back at the college till end of Sep now, I feel so bad having nothing to do all day! Luckily I have had the chance to sort out all the house things so in some ways this has been the best time to have the time off!
I just need to make the effort to keep looking and actually applying!

I know what I'll do today too, try and sort out OH birthday present! I thought I saw an amazing deal to see Michael Macintyre for £35 each, all good started getting excited planning it all only to work out it was for next year lol! So I'm going to try and find something just as good.

I'll also try to complete a few surveys if i can.

Hope everyone is have a good day!

Today looks like it may be a good day!

I have had a little news from the house today, we are all ready to exchange once a completion date has been set which is fantastic! Again just waiting for the other side to sort themselves out.

Logged on to my Quidco account today, for those of you who have never used the site it's pretty good, it's sooooo simple to join (takes two mins) you receive a small amount of cash back for every online purchase you make. This is only useful if you are buying that product anyway, and you have shopped around for the best price!

The cash back rate varies sometimes you get special deals to shop at particular retailers. =]

I had been meaning to start using Quidco but never got round to it, I know that is a lame excuse! I've brought 3 99p items and received 8p cash-back nothing major but I can see how this adds up on more expensive items. Worth checking out I'd say.

I have been working on a cross stitch for the new house I will put up the pictures when I have finished although I don't think I'm going to be able to make any money selling my cross stitch takes me forever!!! You can use this to create some really personal and lovely gifts for people. This is what I'd use mine for I think. =]

Oh and also I have chased up a £25 Amazon voucher I should have received by now, made a few phone calls and e-mails but I now have my voucher well worth the time.

Hope you are all having a good no spend day (if you can)!

Little Miss Happy

Mortgage Free Wannabe!!!

Ok so what have I been up to recently? Well as you know me and Mr Big are buying a house together very soon, eeee!!! Unfortunately we don't have the money to pay for the house with cash (that would be amazing!) so we have to take out a mortgage.

We got the paper work through a few weeks ago and it was pretty crazy to see the amount of money we are paying just on interest-£16.87 a day pure interest!

This has really bothered me so I thought how am I going to sort this? Soooo I have created this amazing spread sheet which documents, interest per day, a month and how much overpayments are going to affect the mortgage. You know what I am determined to become Mortgage free!!!

The people over at Money Saving Expert have so many tips and tricks to saving money and becoming mortgage free, they are so inspirational. If anyone wants to join me in this quest please look over MSE there is a link on this site it's a fantastic resource.

On the plan to becoming mortgage free I am looking for a better paid job, I have an interview on Friday I don't expect to get it but I'm just chuffed I even have been considered for interview.

I will also be looking at other ways to up the income which I will share with you guys and also ways to save as much as possible everyday. I don't plan to pay off my mortgage in two years or anything crazy anyone can help to pay off small chunks of their mortgage, this site is for everyone wishing to save a few pennies.

Please feel free to leave a comment on any of my posts I hope you can join me in my long journey!

Little Miss Optimistic