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Cocktails and Dreams - striving towards debt free days

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Comments

  • savingholmes
    savingholmes Posts: 29,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi shrimpy - I've done really well on bingo, free scratchcards, quidco, CC cashback card, tesco vouchers, and bingoport (amazon vouchers). If you want more info on bingoport - I can pm you....

    Good luck - you are doing amazing with how much you are paying off! Well done. Think how fab it will be when all that debt is gone!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
    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 £5.4K updated 8/5/26
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    best i've ever done on butlins is a fiver and i think i've won 3 of those since Jan and a friend at work has won 2.
  • savingholmes
    savingholmes Posts: 29,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've won quite a few fivers - it can be done... mutliple accounts are also possible with different cards...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
    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 £5.4K updated 8/5/26
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    Hi Katy and savingholmes and thanks for the words of support - don't know if its Christmas looming but I am feeling decided wobbly regarding the debt free quest at the mo, hence the diary!

    I already do bingo port but thank you for your kind offer, was saving for a wii fit as a treat but debating being sensible and saving vouchers for pressies now...

    I have mainly paid off extra so far with mystery shopping, ebay and earlier on in the year, my second job helped a lot. That has now become my main job and the hours are a bit erratic so a 'new' second job is proving a bit tricky to find, but I am keeping my eyes open.

    I am only really doing free sratchcards with Butlins at the mo and have withdrawn £10 so far, it does all baffle me a little but as I run out of things to ebay it will probably be something else I will need to look into properly, so expect many more pleas for help!

    On a positive, have cashed in £10 from lightspeed today which I had been saving, I am starting my challenge properly on the 27th which is next payday - and my birthday is the 28th so I'm hoping to get spoilt lots! (A girl can dream...)
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
  • savingholmes
    savingholmes Posts: 29,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi shrimpy - if you are only doing butlins - you can do virgin as well. They do a free daily scratchcard and aren't linked with butlins....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
    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 £5.4K updated 8/5/26
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    shrimpy_80 wrote: »

    I already do bingo port but thank you for your kind offer, was saving for a wii fit as a treat but debating being sensible and saving vouchers for pressies now...

    Save them for pressies. Definately. It's not forever and will stop you feeling quite so wobbly over Christmas - Don't worry I need to heed that advice more than anyone, but sometimes a little nudge of support is all you need to do the right thing.
    Keep going, you're doing great! :)
  • savingholmes
    savingholmes Posts: 29,181 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I use them for pressies but the odd thing for me too!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
    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 £5.4K updated 8/5/26
  • Lemon_Tree wrote: »
    take a break only credits your free scratchcards into bonus not into cash, but you do go in through the bingo and there's a scrolling screen you want the free daily card on it but there's a nack to catching it.

    Wish I knew what it was!! number of wrong scratchies I press on TAB before I get to the free one!

    Shrimpy - Well done on the plan. I thought I had a plan, then it went astray a bit, only just getting sorted again.
    Most people manage a few quid a day on BB, so definitely worth a go. It's a balance whether you play the games when there aren't many people on, but only win a quid or two each day, or play later for the busier games and better winnings.
    Definitely do quidco for cashback, but some others have minimum withdrawal levels and it can take a while so do your research.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    No post yesterday, was feeling a bit sorry for myself as I was a bit under the weather and had lost my voice (which needless to say did not stop me talking). However I did get quite a bit done, am all signed up and away with Virgin, TAB and Bingo Britain (no winnings on the latter yet though, macgirl just been reading your diary and am very impressed with your haul on there!) Also broke the dooyoo barrier and got a few reviews done so not too bad, just ebay still lacking...

    Today's list
    1. Free scratchcards
    2. B1ingoport
    3. 2 dooyoo reviews
    4. Return rate yesterdays reviews
    5. Tidy desk (must do this :o)
    6. Trek to minibus place to pay for birthday hire (means I can't spend the last of my pennies at least!)
    7. Post amazon sale
    8. Take ebay photos (do it, do it, do it!)

    That will be enough for today as have a bit of housework to contend with also.

    Payday on Friday, this is my least favourite time of the month as there are never any extra pennies to attack the debt with, I always pay off a big chunk on payday to stop me frittering it away. So sad but can't wait to do this on Friday, sure you all know the feeling...

    Right, off to attack the list before Jeremy Kyle finishes :o
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
  • shrimpy_80
    shrimpy_80 Posts: 1,631 Forumite
    Wish I knew what it was!! number of wrong scratchies I press on TAB before I get to the free one!

    I see what you mean about this, such a slippery fish!

    Thanks for the advice on Quidco, am signed up and will be super organised and use it for Christmas pressies when I get paid- not too many to get.
    Barclaycard [STRIKE]£7,296.35[/STRIKE] £6134.99 - MBNA [STRIKE]£4,182.88[/STRIKE] £3267.08 - O/draft [STRIKE]£569.31[/STRIKE] £413.59 - Capital One [STRIKE]£1477.55[/STRIKE] £1451.44
    Total debt [STRIKE]£12048.54[/STRIKE] £11267.10 6% paid
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