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Milanns mutterings on this last milestone.

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Comments

  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    not won on bb today but won £1 on one of my free daily scratchcards
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • Not much incentive to take lunch if you have to eat it during a meeting! Its a shame the weather isn't nice so you could escape for 15 mins or so to eat it in the local park or something.

    Savingholmes - I notice you've got ipoints... are they easy to collect and worth doing?

    Cheers
    Cbm
    Jan 08: Debt £15,211 :eek: Debt cleared April 30th 2010 :D
    Proud to have dealt with my debt! Currently building up savings.:T
    With enormous thanks to everyone on the forums and:money:
  • taxi73
    taxi73 Posts: 20,815 Forumite
    WD on taking your lunch to work..it's amazing what we can spend on lunch if it's added up over the year?
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi claw back - ipoints are worth doing if you can cope with spam and use mysupermarket.com. You get 5 points for clicking on an email. I did get over £100 in Asda vouchers from them last year but have stopped now as they didn't pay out on 2 gambling loophole things I did. I now just click on the odd email and register my supermarket shopping. I don't trust them anymore to pay out on the rest.

    I tend to focus on quidco instead. I've also had money from moneybackmadness which I could refer you if interested. Their offers tend to be lower than quidco so I found it hard to reach minimal withdrawal level which I think is £25. Their bonus tho is I can collect cashback on what I spend at Halfords, Superdrug and a few others on cards I have registered with them....

    I have also had money from cashbackkings in the past. It is definitely worth checking them out. Again I think I could benefit from you using a referral link but of course you can go direct.

    quidco don't do referrals - but you do have to pay the first £5 of your earnings each year to them.

    Good luck
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I used to do lightspeed and toluna regularly and rarely got screened out - but just recently I'm sick of being screened out a good 10 minutes into a survey so I haven't been on for a good month as its very disheartening, I feel they have found out a good bit of info from the time I have been online. I've not heard of ipoints though.

    Got up on the last minute today and didn't have time to sort lunch so thought I'd buy it - went to get my purse at dinnertime and it wasn't in my bag - after initial panic as to whether or not my bag had been fiddled with I pictured it on the side in my kitchen - along with several piles of ironing, junk and shopping waiting to be put away. I found a £1 coin in my pocket from supermarket trolley so ventured out to see what I could buy for a quid!! I bought a tub of homemade hummous from the deli for 65p and a freddo bar another 15p and have a pack of ryvita in a tupperware box at work already. So I had a lovely lunch and 20p to spare.

    DH phoned me and asked me to pick him up from casualty as he'd sliced his thumb at work. He's taken a flap from top of thumb which needed stitching so he is sitting bandaged up - he's making the most of me waiting on him - the things he'll do to get out of washing up lol.

    Milann
    January spends - £587.58
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    hope your DH thumb recovers soon so he can continue is washing up career.
    sounds like you made good use of your £1
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Yuck to DHS thumb sounds horrible!!!
    You got plenty for your £1 though..well done.
  • Extra large rubber gloves for OH? :rotfl:

    Well done on your cheapie lunch.

    Savingholmes - thanks for info, I already use Quidco. I don't really buy anything at the mo so Cashbackkings is probably not going to be right for me at the moment. I will look into ipoints though.

    cheers
    Cbm
    Jan 08: Debt £15,211 :eek: Debt cleared April 30th 2010 :D
    Proud to have dealt with my debt! Currently building up savings.:T
    With enormous thanks to everyone on the forums and:money:
  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    A busy day at work today - lots of little children in fancy dress for children in need = lots of giddiness and excitement = a very worn out Milann LOL

    Boys tended to come as super hero and pirates - girls princesses and fairies. Staff do get dressed up but in something that isn't too off putting for kids -some of them - particularly those on autistic spectrum can't cope with the day. I ended up just wearing jogging pants, trainers and a t-shirt with a number on and went as a jogger - only way I'll go jogging LOL

    I NEEDED chips at dinner so went to chippy - cant remember last time I had chips and gravy at lunchtime - It was soooo good.

    Got lots of tidying to do this weekend. Dh is out tomorrow and I'm planning a busy day - mustn't get distracted on here though!!!!!!!!!!!!!!!!!
    January spends - £587.58
  • :T for excited childen having fun at school!

    My youngest son has aspergers, high functioning (and is now at uni!!!) but the social side of days like that used to really upset him. One of his teachers was quite good, and the kids all took in their kit and they 'got dressed up' all together, and that worked really well as the excitement built and those whose parents hadn't got/sent anything were helped by a box of old jumble and some face paints. Somehow with everyone doing it together the children found it easier.

    Probably it wouldn't be so easy to do things like that these days - we're probably talking 10 years ago :eek: .

    My OH is also out today, lovely peace and quiet but my intentions and aspirations aren't quite the same!!!

    Cbm
    Jan 08: Debt £15,211 :eek: Debt cleared April 30th 2010 :D
    Proud to have dealt with my debt! Currently building up savings.:T
    With enormous thanks to everyone on the forums and:money:
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