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This time I have to clear the debt...by Tigz

13567

Comments

  • tigzem
    tigzem Posts: 2,361 Forumite
    Oh and 20p on the scratchcard this morning :cool:
    "Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
  • tigzem
    tigzem Posts: 2,361 Forumite
    My charger arrived today so I can get back online... all those daily scratchcards I've missed out on. Never mind... just done it and got another 10p.

    DCA calling tonight so £20 off to him, have paid £30 towards CC today and another £30 next week which is the min payment.

    I'm yet to do my meal plan :o and I still haven't renewed my tax credits form.

    Maybe I'll work on those tonight whilst OH is watching the football.

    Have sent off my phone so hopefully will get something back for that. The quidco money has tracked.

    Going to get DD to bed in a mo and will be back later to catch up.
    "Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI Tigzem just popping along to wish you luck! Other suggestion - do another scratchcard - double your money so if you already do a st minevar site also do take a break or vice versa

    Also have you tried bingoport - you can get £5 Amazon vouchers from them people like me can refer you or you can go direct. Also you could do reviews with dooyoo or surveys with lightspeed etc. Do you do ipoints? You can get 5 points per email you click on as well as points for signing up to newsletters etc - eventually that translates into money!

    Visit the £10 a day challenge on the DFW board for more ideas

    HTH
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • brummiebabe
    brummiebabe Posts: 1,894 Forumite
    Just a thought about your nursery grant - could you ask them to spread the grant over the year rather than the academic year (if you know what I mean!) My nursery does this - it means you get the same amount off each month - rather than having more in school term time & nothing in school hols. I find that's much easier to budget for ;)
    20p Saver Club #33 60p/£100
    Christmas Saving £0/£1300

    Saving Target 2014 £25/£1000
  • tigzem
    tigzem Posts: 2,361 Forumite
    HI Tigzem just popping along to wish you luck! Other suggestion - do another scratchcard - double your money so if you already do a st minevar site also do take a break or vice versa

    Also have you tried bingoport - you can get £5 Amazon vouchers from them people like me can refer you or you can go direct. Also you could do reviews with dooyoo or surveys with lightspeed etc. Do you do ipoints? You can get 5 points per email you click on as well as points for signing up to newsletters etc - eventually that translates into money!

    Visit the £10 a day challenge on the DFW board for more ideas

    HTH

    Ooh .... didn't know you could do 2 scratchcards, thanks for that :D

    Not heard of ipoints, will check out the challenge thread.

    If you want to PM me your details re the referral, that would be fab.

    Thanks x
    "Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
  • tigzem
    tigzem Posts: 2,361 Forumite
    Just a thought about your nursery grant - could you ask them to spread the grant over the year rather than the academic year (if you know what I mean!) My nursery does this - it means you get the same amount off each month - rather than having more in school term time & nothing in school hols. I find that's much easier to budget for ;)

    I've asked about this before, but it's all to do with them receiving the money from the government before releasing it to us, it's all very confusing and I agree that way would be much better!! x
    "Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
  • tigzem
    tigzem Posts: 2,361 Forumite
    Not much happening at the mo. Haven't heard about my phone yet, fingers crossed they'll send the money through soon.

    I am going to aim for a NSD tomorrow. I think I need to copy millyscarlet and have a target of NSD's in a month. As we're away for our hols soon I can't see me having many this month so lets aim for.... 7? Is that too low? It's my fave number!! :D

    10p on the scratchcard today and I played some free bingo but no luck :p

    Off out tonight with OH for a curry, I know it's not MSE but we need it as a couple,been having a few problems so it will do us good, we haven't been out together for months so it's not too bad..... :D
    "Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
  • tigzem
    tigzem Posts: 2,361 Forumite
    10p on the scratchcard this morning :cool: and had an email about my phone, instead of £39 they've offered me £27, which considering it doesn't switch on is fab! So have accepted that :D so now await a cheque through the post.

    Had my catalogue bill through also, min payment is £11.72 but I'll pay £15, maybe more, there's no interest on there at the moment. BUT I've ordered 2 pairs of jeans from there at £23 each. I really need some new ones, I only have 1 pair and they are so tatty and awful I feel embarrassed in them :o

    Had a lovely meal out last night, we were good and didn't go mad but it was nice get out as a couple.

    Feeling tired today, DD was up at 5.45 and I'm feeling it now, she's just gone to sleep and I think I'll follow once I've put the washing out.
    "Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Tigzem - I will pm you with my ipoints referral link! Thanks. Don't bother with the second scratchcard as TAB are now putting the free money into bonus rather than real!

    Hope you have a lovely weekend!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • tigzem
    tigzem Posts: 2,361 Forumite
    Woohoooo a NSD today :j my first one for ages..... :o

    Have a friend coming over for dinner tonight, sausages with leeks/mustard(packet mix) with jacket spud and green beans - yum. My lovely friend is bringing wine & pud :D

    Have to get on and do some housework now :(
    "Nobody made a greater mistake than he who did nothing because he could only do a little." Edmund Burke
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