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September 10pound a day Challenge! **All Welcome!!**
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Hi redeemed £5 from bp! woohooAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
£20 received today from mystery shops:cool:0
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Tell a lie, £5 today from lightspeed in the paypal account!Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20170
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Just won enough points for another £5 voucher from bp
90p payout from quidco
£15 expensesAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Evening all! Ebay item paid for me - £3.10 after fees and postage. Another £1 Lightspeed, and £2 tips last night
I’m doing a car boot on Sunday, got 20 hours overtime over the next 2 weeks and waiting on about £50 of MS payments… so all in all, I’m quite hopeful about this month's challenge! Good job too, as our mortgage offer finally came today However it does mean we are officially SKINTO for the next 25 years now, so will need this challenge more than ever before haha... but will be worth it to have our own space. I'm very excited! Just applied for that Egg Money 1% cashback credit card which Martin recommends too - we’ve got a lot to pay out over the next few months for the house and wedding, so it will be nice to get some cashback for it!
Hope you're all being good MSE'ers and making lots of spendoolies this week! Good luck for Sept everyone xx
Attempting to pay off our debts! Balances Jan 2018 -
Family member £3,700 - Virgin CC £1,000 - MBNA £1,700 - Barclaycard £2,500 (was £2,700) - Halifax CC £1,280
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A £4.99 payout from Quidco to get the ball rolling!
ETA: Just realised I won £10 on last nights lottery so i'll add that to my total too. :jOperation House Move £11993.60/£25000 (47% achieved)
Save £12k in 2015 #135 (£390.21 / £2400) (16%)0 -
Made £8.00 profit from Ebay sales bringing my total up to £24.38 - yay!:jMortgage free 08.08.19 :j
2018: £19410.25 / £9,300 2017: £7646.64 / £11,000 2016: 4557.98 / £11,000 2015: £10,230.37 / £11,000 2014 =£6703.26 / £11,000 2013 = £4288.51 / £8000 2012 = £1600/£5000 2011 = £2579/£3000
MF date was Nov 2041 - mortgage neutral 23.07.18
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Got £8.20 from cashback site - total now £13.960
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£2.35 from small ebay sale0
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One of my imminent items has come through already:
Littlewoods cashback = £2.27PigginSkint's debt free diary
DFW Nerd 1049 Amazon Sellers Club member 54
Total mortgage debt: 30/4/17 £14090.77 (Last payment: September 2021)
LTSB Loan 30/4/17 £6633.71 (reduction by 48%)
Total credit cards: 30/4/17 £25971.91 :eek:
Total non-mortgage debt: 30/4/17 £32876.49 :eek:0
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