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  • FIRST POST
    • Suffolk lass
    • By Suffolk lass 28th Jan 17, 12:18 PM
    • 1,473Posts
    • 16,870Thanks
    Suffolk lass
    Get a grip woman!
    • #1
    • 28th Jan 17, 12:18 PM
    Get a grip woman! 28th Jan 17 at 12:18 PM
    Having been reading a number of people's debt-free wannabe diaries for some time now, I have finally decided I will start my own.

    We are less than three years from wanting to stop work, and less than ten years from state retirement age. I manage our household finances and DH lets me get on with it. His attitude is more "live for today" so we are a good balance, I think. We have two holidays each year and sometimes more - and he has some boys toys - 2 Harley Davidson motorcycles in the garage, that seem to always need money spending on them. That said, there is more to be said in favour of a happy and contented DH than against them so I don't resent them in any way.

    So to debts - It seems a good time because I have recently finished the finance on my car, and as of yesterday, paid off the finance for DS's car (I borrowed from him 18 months ago and paid back by buying his car on finance and paying his insurance). I was paying 4.7% on that debt so it was my highest priority. I paid it off 10 months early using most of my HSBC Regular Saver that matured this week.

    The debts I have currently are:

    £110,621 - Mortgage - interest rate of 0.74% (0.5 above the BoEBR)
    £3,476 - DH's car - 0% credit card until Sept 17 - a £4000 cash advance with a £76 fee
    £8,755.54 - Barclays Finance for double glazing 0% over 2 years 2/24 paid

    Total £122,852.54

    It isn't that I can't afford to keep up payments, it is more that I want us to start our non-work phase without them hanging over us, if you know what I mean.

    I think that will do for a scene setter.

    SL
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
Page 5
    • Suffolk lass
    • By Suffolk lass 30th Mar 17, 10:15 AM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass
    Electricity Tariff
    My current fixed deal will end on 30th April.

    I received the nudge from the MSE Cheap Energy Club to look for another one. I like the certainty of a fixed tariff, preferably without penalties and I'm not bothered about cash back.

    I did the comparison and the first four or five all had terrible customer service ratings. They were all more money than my current tariff (Connect 6 with Flow). I tried the variable tariffs with similar customer service ratings (we are talking 50%+ in poor or terrible!). The next one was Flow's variable tariff. So I logged in and secure messaged Flow to ask them to move me to their variable tariff when my current deal expires.

    By return I received an email saying they are actually introducing a better value fixed deal with no penalties (so offering the same flexibility as the standard variable tariff) and so they would move me to that instead as it offers better value for money for me! I am so happy they have done this.

    Of course I did get the standard email from them a couple of days later saying my current tariff is ending next month - so either the auto-generated email cannot be suppressed... or they forgot to do that.... or they forgot to change me to another tariff

    So in conclusion, this could be my best ever experience of customer service from an energy supplier, or it could be something else. As a glass half full sort of girl (in my head I'm still a girl!), I am hoping it is the former. Very happy with that though!
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Karmacat
    • By Karmacat 30th Mar 17, 10:41 AM
    • 27,728 Posts
    • 151,518 Thanks
    Karmacat
    Wow! Brilliant, just brilliant, I love that
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 14th Apr 17, 10:39 AM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass
    Time for a bit of an update! We have returned from a week in a rented house in the Scottish Highlands (it was great) and a few days at my Mum's, doing a few jobs at her house in Ayrshire. Yesterday we had to clean throughout (Son had been staying here, cat-sitting) and do a mountain of washing, and restock the fridge and freezer. I wouldn't have it any other way but I look forward to him learning how to wipe surfaces and clean toilets before he is 30 (I live in hope, he will be 25 next month!).

    The good things
    • I nudged Flow about the paperwork for our new tariff and they re-sent it. It is a non-published deal for people coming off their Connect 6 tariff which is actually better than the new customer deals on offer. I like that a lot (I have loyalty tendencies)
    • My Mum has completed her cardiac rehabilitation course. It is almost five months since her heart attack and emergency surgery and she continues to get stronger and is back driving her pals around and walking to and from Church
    • Everything in the garden is growing. I refer to the onions, potatoes and strawberries that we put in before going away, and the trees are full of blossom. Lots of weeds too but we won't talk about those!
    • I came off my 8-week low blood sugar diet but I did not go mad and I am less than 3 pounds heavier on my scales, after my holiday.

    I will get back to no carbs and low sugar after Easter weekend but I am eating a bit this weekend - I had a butcher's sausage roll for lunch yesterday, a small piece of bread with salad last night and a small Snickers in the evening so 3 cheats yesterday! I plan a hot cross bun with my coffee when I have finished this too!

    Less good things
    • Despite being short of funds this month (Husband's credit-card bill is almost a thousand on 22nd, and we will clear in full), I spend £30 extra in the SM yesterday (5 jars of my coffee-brand, on offer for £4 instead of £6.95 each) plus a bottle of Prosecco for £5 and three bottles of Aspall's PC Cider for £5 - and bought a humungous shoulder of lamb for £18 for Easter in the Butcher's. It will be lovely but very extravagant.
    • I had to use our bills account to pay for the shopping as we are down to about £65 in the running costs (living expenses) account. This means I will not be overpaying the mortgage this month for the second month running.
    • We plan to use my Husband's DC pension pot to pay down our mortgage and forgot to phone the fund-holder yesterday to enquire about taking the 25% tax-free lump sum this year. I want to understand if this freezes the residual pot or constrains us in any way and I wanted to check with HMRC regarding how to declare this on his SA tax return.
    • Having been away for almost a fortnight I have done very little account-tidying and so our savings are down this month too.
    • I don't want to go back to work on Tuesday. This sounds flippant but I am just not enjoying work at the moment and that is really important to make the time pass with value. I need to look at moving job. Seriously look, rather than talk about it and just have an escape plan that I don't actually put into action.

    Time to have that coffee before I go and clean out my greenhouse and get some seeds planted for other vegetables. If the wind drops I shall weed the beds with gooseberry bushes in, but that might be tomorrow...
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Suffolk lass
    • By Suffolk lass 15th Apr 17, 9:08 AM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass
    April 17 mid-month update:

    Debts

    £110,621 £105,830 (£4,791 paid so far) - Mortgage
    £3,476 £3,076 (£400)- DH's car (payment on 22nd)
    £8,755.54 £7,561.62 (£1193.92) - Barclays Finance for double glazing

    Total £122,852.54 £116,467.62 - that is £6,384.92 so far



    £8448.27 (aiming for £10,000) Emergency fund today -£1551.73
    £12,226.24 S&S ISA with Fidelity International (original £10,000 4 years ago, no further capital added)
    £5,247.88 DH's S&S ISA with Charles Stanley Direct
    £3,113.08 2 year Bond with Skipton BS @ 4% Finishes in early 2018
    £10,947.52 7 year bond with Skipton BS - matures Oct 20
    £38,630.43 £40,138.88 Total actual cashable savings

    Shortfall -£76,328.74 (all debts)

    I have updated the shortfall to reflect the actual, against all our debts, rather than just the mortgage shortfall.

    We have had DH's DC Pension annual statement and it is almost £68,000. This is good growth (about £10k) in the last year. We are considering withdrawing the permissible 25% tax free lump sum to pay down the mortgage and reduce the interest we will pay in 2017 (we paid £1050 in 2016 despite a rate of 0.74%).

    It feels a bit disappointing this month so far, with most things paid and almost nothing left in our accounts except planned payments. I suppose it goes like that.
    Last edited by Suffolk lass; 15-04-2017 at 9:08 AM. Reason: typo
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Suffolk lass
    • By Suffolk lass 15th Apr 17, 6:38 PM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass
    Oh my. We had to buy a new lawnmower today.

    The good news is I took out a trial subscription to Which and we bought the top recommendation for £30 less than they said we could get it for.

    The bad news is that my credit card statement date is 16th so it will go in May.
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Suffolk lass
    • By Suffolk lass 20th Apr 17, 8:53 AM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass
    I lucked out re the CC statement. The lawnmower will be in the June bill so a bit of financial smoothing will be possible in May.

    This month's CC bill is just over £600 rather than £1100 (phew!) and will be cleared in full.

    I have just reviewed my statement and there are some extravagances in there...
    • £63 A new summer duvet and cover from my favourite Dep't Store - it was from the economy range and the old one has replaced the thick hot one at my Mum's house
    • £245.30 for two new waterproof jackets - both needed but did we need Berghaus?
    • £78.87 at the garden centre - my word it mounts up. This is an area of indulgent weakness for me. I must get a grip!
    Other than these I bought a few items of work clothes (used some of my birthday money) and bought flowers that will be reimbursed by others on our holiday, and some fuel (I was anxious not to go OD on the running costs account) - all of which I can forgive.

    I'm also back on the low-carb, low-sugar regime now, aiming for the next half-stone marker, hopefully by July. I must keep an eye on some of my wardrobe or I will pass through some clothes without wearing them. I intend getting shot of clothes that are two sizes too big from now on (my wardrobe has 6 sizes, not 5, as I originally feared). In my sane moments I can see where our money went.
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Bobarella
    • By Bobarella 20th Apr 17, 5:40 PM
    • 10,473 Posts
    • 69,436 Thanks
    Bobarella
    Great news, I love reading your big updates
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Karmacat
    • By Karmacat 20th Apr 17, 10:05 PM
    • 27,728 Posts
    • 151,518 Thanks
    Karmacat
    No you didn't need Berghaus ... but you wanted them, and I know MrMoney Mustache would disagree, but since you can pay it off from income, and your spending diary has told you you're being a bit enthusiastic, why not? Quality will keep, it always does.

    I have to tell you ... if I bought plants worth £78 or so, I'd *never* plant them in time for them not to die good luck!
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 20th Apr 17, 10:42 PM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass

    I have to tell you ... if I bought plants worth £78 or so, I'd *never* plant them in time for them not to die good luck!
    Originally posted by Karmacat
    You know what? that sounds so much like me! We did buy all the plants for the pots and hanging baskets, plus lots of tomato compost (I like to grow at least five different tomatoes as they mature at different rates and I have two "window-box" like tubs that take 3 each so lots of compost).

    I tried to be stingy one year and ended up with blight - I forgot they were the same as the potato family and planted them outside the greenhouse instead of in fresh compost. Never again!

    I also indulged myself with a pot of sorrel - I have never succeeded with it so let's see how it goes
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Karmacat
    • By Karmacat 21st Apr 17, 8:58 AM
    • 27,728 Posts
    • 151,518 Thanks
    Karmacat
    Oooh sorrel! Mine has gone native, and as well as becoming two other plants in the border, has spread into the grass too (I may have let it go to seed ... twice).
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 21st Apr 17, 3:28 PM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass
    Oooh sorrel! Mine has gone native, and as well as becoming two other plants in the border, has spread into the grass too (I may have let it go to seed ... twice).
    Originally posted by Karmacat
    Ah now, for growing in the lawn we have lots of oregano. It seems to move around one particular area and gets cut, along with the grass!
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Suffolk lass
    • By Suffolk lass 30th Apr 17, 10:04 AM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass
    April 30 end-month update:

    Debts

    £110,621 £105,830 (£4,791 paid so far) - Mortgage
    £3,476 £3,076 (£400)- DH's car (payment on 22nd)
    £8,755.54 £7,561.62 (£1193.92) - Barclays Finance for double glazing

    Total £122,852.54 £116,467.62 - that is £6,384.92 so far - no change since mid April - I may need to change the timing of my updates to maintain a trickle of progress here!



    £8,767.59 (aiming for £10,000) Emergency fund today -£1,232.41
    £12,154.43 S&S ISA with Fidelity International (original £10,000 4 years ago, no further capital added) - a reduction due to stock market fluctuations - just got to stick in there!
    £5,414.98 DH's S&S ISA with Charles Stanley Direct
    £3,117.81 2 year Bond with Skipton BS @ 4% Finishes in early 2018
    £10,947.52 7 year bond with Skipton BS - matures Oct 20
    £38,630.43 £40,402.33 Total actual cashable savings

    Shortfall -£75,865.29 (all debts)

    I have updated the shortfall to reflect the actual, against all our debts, rather than just the mortgage shortfall.

    We have had DH's DC Pension annual statement and it is almost £68,000. This is good growth (about £10k) in the last year. We are considering withdrawing the permissible 25% tax free lump sum to pay down the mortgage and reduce the interest we will pay in 2017 (we paid £1050 in 2016 despite a rate of 0.74%). - no decision yet.

    I still have an underwhelmed feeling about our progress on here. In other things though:
    • We have loads of sprouting vegetable seeds in the greenhouse
    • I have lost a pound this week - I am less than 2 pounds for the next half-stone display (there's still a couple more to get to two stone after that - it's just the point where the display says 7lb!) - I am particularly happy as I am just eating normally at the moment (my new normal)
    • I am inside my grocery challenge annual figure with just the mean-side of £1000 spent out of my annual £3000 budget but I need to pare back if there is to be anything extra for Christmas
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Karmacat
    • By Karmacat 3rd May 17, 10:26 AM
    • 27,728 Posts
    • 151,518 Thanks
    Karmacat
    So, in practice, you're debt free apart from a mortage of £75,865.29? Thats another way to look at it ... thoroughly recommend doing an update when you've paid stuff off, absolutely, by the way!

    SL, have you looked at refinancing any of that debt? Onto 0% credit cards, for example? I'm not sure what your rates are, and you might already have done what you can, not sure.
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 4th May 17, 10:40 PM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass
    I already have DH's car on a 0% credit card that was only a one-off 1.9% fee (£76 on £4,000) - it runs until September and I have been earmarking £250 each month so far this year to be able to pay it off - it is in with the emergency fund really.

    Our loan for double glazing is also on 0% for two years, finishing in November '18 I am exactly 25% through as of yesterday. We timed it so that I would still be working throughout the repayment period.

    Our mortgage is a base-rate tracker at 0.49% above the BoEBR - so running at 0.74 interest at the moment. I do keep looking but I think when you look at the fee to swap I am doing OK with that at the moment (I do keep looking though...). I think the main thing for me is to keep nibbling away at it and dribbling a few more "Tilly Tidy" deposits into the savings account. I need to buy some euros for a weekend at my friend's place near Poitiers in the next week so I am looking to get a good rate for that at the moment - otherwise I would have paid an additional lump of the mortgage this month.

    It sort of sits there, lurking, that mortgage debt! I am getting a better return by investing than I am paying in interest but I still did not like seeing just over £1,000 interest going out in 2016. As an amount of interest I am paying more than we are earning.

    We have a big family decision to make this weekend so off to have a bit more of a think (as I did at 0400 this morning, when I could not sleep!!). I will update soon.

    Another 0.2 pounds off this week!
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • enthusiasticsaver
    • By enthusiasticsaver 4th May 17, 11:28 PM
    • 4,254 Posts
    • 7,685 Thanks
    enthusiasticsaver
    Thanks for this. We were thinking very similarly, sort of pay some, save some. I want to get the mortgage as close to, or just below £100k as I can this year, without being too obsessive. I am expecting another lump sum when I draw my DB pension, and DH will also have one of those, albeit both with less than optimum number of years as we have both had several/many other employments. We think we can live on my anticipated pension, using my lump sum for treats and trips so the build up of savings is really a bit of hedging against a stock market dip at the wrong time.

    I am interested in what your rationale for a percentage in cash and what percentage you went for, if you would be willing to share that.
    Originally posted by Suffolk lass
    We went with 40% of our total savings in cash and 60% invested in stocks and shares isas and sipps. We have no mortgage though. This is a security blanket for when I take early retirement at the end of this year as we have 8 years until spa. It sounds like you have a good plan. The calculation I did for keeping that much in cash is 8 years of our expenditure over the last year plus 10% less my DHs pension. This is to give us the option of maybe delaying taking my DB pension so early and as you say in case the stock market dips and we do not want to access our investments.
    Last edited by enthusiasticsaver; 04-05-2017 at 11:31 PM.
    Countdown to early retirement on 21.12.17 3 months to go.
    • Karmacat
    • By Karmacat 5th May 17, 8:34 AM
    • 27,728 Posts
    • 151,518 Thanks
    Karmacat
    Oh my word, your rates are brilliant! I should have known

    Though I know what you mean about the fees - my mortgage was never hugely high, at its biggest it was £52k, I got a lot of capital from buying my flat when I was so young. But what that meant was that when the fees started getting so high, I never shifted my mortgage again - it meant the real rate I was paying was almost doubled.
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 5th May 17, 9:54 PM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass
    We went with 40% of our total savings in cash and 60% invested in stocks and shares isas and sipps. We have no mortgage though. This is a security blanket for when I take early retirement at the end of this year as we have 8 years until spa. It sounds like you have a good plan. The calculation I did for keeping that much in cash is 8 years of our expenditure over the last year plus 10% less my DHs pension. This is to give us the option of maybe delaying taking my DB pension so early and as you say in case the stock market dips and we do not want to access our investments.
    Originally posted by enthusiasticsaver
    I know what you mean. I should have bought my euros when the pound reached a five year high a fortnight ago but I didn't and now it is 3 cents in the pound less! So I have no chance of predicting what the stock market will do!

    I couldn't resist "tidying" our mortgage down to the next (£105,)000.00 figure yesterday and pushed £497.12 into the mortgage overpayment. That means I should push for £5000.01 more this year to get me just below that magic £100,000 figure.
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Suffolk lass
    • By Suffolk lass 6th May 17, 4:18 PM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass
    Well, I have no idea what is going on with my weight! Maybe the scales have broken - they are showing me 0.2lbs below the next milestone which is the x stones 7 pounds mark. I haven't been here for a while and my jeans are in danger of falling down as I walk around. Now don't be thinking sylph-like figure! My starting point remains too embarrassingly high to talk about yet. I might at some point but not yet.

    And I only bought milk, fruit, salad, frozen chips, some corn, frozen lamb chops and a cheeky pack of ice lollies. I am determined to have a use-up week and reduce the european meat mountain that seems to have taken up residence in my freezer
    Last edited by Suffolk lass; 07-05-2017 at 6:37 AM. Reason: auto-text correct
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Karmacat
    • By Karmacat 9th May 17, 10:45 AM
    • 27,728 Posts
    • 151,518 Thanks
    Karmacat
    Home made ice lollies from the fresh-with-bits Iceland orange juice, costs £1 a litre (or it did last month, who knows now!).
    Retired August 2016
    • Suffolk lass
    • By Suffolk lass 9th May 17, 6:36 PM
    • 1,473 Posts
    • 16,870 Thanks
    Suffolk lass
    Home made ice lollies from the fresh-with-bits Iceland orange juice, costs £1 a litre (or it did last month, who knows now!).
    Originally posted by Karmacat
    Don't be telling me that! I can resist anything except temptation.

    Cooking with meat from the freezer tonight, with freezer ingredients sauce and half an open carton of passata. Stuffed peppers or leek-lasagne I think.
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
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