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Charity Shop Haul: July 2017

Sunday, 13 August 2017

July started off slow for charity shop visits, but then I had a week off work and spent the first afternoon of it wandering around the huge number of charity shops outside the Grafton Centre in Cambridge! This was then followed by a morning strolling around Colchester, so in one week I managed to visit a lot of shops, and get some lovely bargains!


Clothes
I love White Stuff, but I find some of their collections a bit hit-and-miss, so I haven't bought anything from their shops recently. I did however find this gorgeous blue top in one charity shop, and quickly snapped it up as it was only £5! I've actually got quite a few of their tops, but some of them were bought three years ago and are starting to get holes (I wear them every week as they're suitable for work), so my plan is to use charity shops to replace the four most damaged tops!


Books
This month was quite poor for book purchases, possibly because I have quite a few from the past couple of months that I need to catch up on, so I was quite discerning this month. I also just didn't find a huge amount that I needed or wanted to buy, it was a better month for DVDs (as you'll see below). That said I did find two decent books to add to my shelf. The first is "Nella Last's War", which I've actually read in the past and really enjoyed. This book is an edited version of a set of diaries which were kept during the Second World War by Mrs Nella Last. She lived in Lancashire in Barrow-in-Furness and spent the war actively helping charities, running her house, and worrying about her sons.

The other book was "The Times Obituaries of Notable Women", which is a collection of obituaries about various women who died in the 20th century. It should be good source material for some upcoming ebooks so I'm looking forward to sitting down properly with it at some point and making a few notes.

DVDs
Now that I've moved out of my parents place I'm finding that I need to buy DVDs that I've had easy access to for years. So imagine how chuffed I was to get the first two Bridget Jones movies for £1 each. They're nice easy watching that you can have on as noise in the background without dedicating lots of time to watching, so having my own copies at last is great. I also got "Made in Dagenham", which I've wanted to watch for years and never got round to!

Mortgage Overpayment - July 2017

Sunday, 6 August 2017

If you'd like to find out more about why we're overpaying our mortgage, the post is here!

July turned out to be a fantastic month for overpaying. It wasn't a record breaking month, that's still held by April. But it was still very good and it's all thanks to my expenses claim, my train ticket to a work conference gave an enormous boost to the payment pot!

So without further ado our overpayment for July was £129.27!!

That was made up of our standard £30, which we budget every month. I received £5.39 from Quidco, which was cashback from buying some house items a few months ago, and then £78.66 was my work expenses claim. I also did a couple of account sweeps, rounding my bank balance down to end in a 5 or a 0, and that netted me an extra £5.56, and then I finally rounded down the mortgage balance at the end of the month to pay off an extra £7.66. 

Since we're now just over halfway through the year, I thought I'd take a little look at the impact our mortgage payments, and the overpayments, have had on some of the numbers!

When we started the mortgage we were having £12.01 added in interest per day! It's now down to £11.82 a day. We were due to go under £11 a day in August 2020, but we've now brought that up to June 2020, and of course that will go down as we continue to overpay. We were due to drop under £155k owed in May 2018, that's now fallen to March 2018. I really want to do it before January, but playing with numbers suggests that that might be a little tricky. I'm really happy with how close we're getting though, it's good motivation for the future.

I have a terramundi pot, which I started to save in when I was living in London. I only add £2 and 50 pence coins to it, and it's starting to get a little heavy. But it's certainly nowhere near full ,so I'm now debating if I want to crack it open in December and use whatever's in it to make one last huge overpayment for the New Year. But on the other hand I'd like to know how much it can hold when it's full, so I should hold out.

We'll see what the coming months bring, and see how many more £2 coins I can stuff in to it in the meantime XD
 
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