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February Make £10 a day challenge ~ALL WELCOME!~

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hopefully £5 coming my way from bp redeem
    Achieve 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 29/7/25
  • Carrot
    Carrot Posts: 177 Forumite
    Yay! Off to a better start this month.
    Up to £87.60 from Quidco plus surveys. Just need to keep up the momentum.
    Sell £1000 challenge - £0/£1500 - No.80

    YNAB - take control of your money :)
  • sweetpeas_2
    sweetpeas_2 Posts: 2,237 Forumite
    Thanks littlemisshappy, we don't qualify for any funding anymore, I started a law degree in 2005 and had to pack it in because I strted working full time again an dint qualify for funding anymore :( I don't get it, we have no spare money at all, how can we not qualify for funding?!
    We pay that much out for debts each month that even though we both work
    full time we don't have much spare :( our own doing I know, but at least were on the road to doing something about it... :)

    Madcatgirl, I was doing a law degree previously but have thought about the possibilty of tryin to move into finance. An AAT is over £500 though and we don't have that sort of money sat around :(
    I looked into doing an open degree but I'm not sure what this would do towards career progression as no one really seems to want such a general qualification..

    I didn't know about the tesco clubcard points, I'll have to have a look into that. I've always got the vouchers to spend in store up to now. I'll try and find some info and have a read :) x
  • sweetpeas_2
    sweetpeas_2 Posts: 2,237 Forumite
    This is going to soundreally silly I'm sure... But if I already have unused clubcard vouchers can these be converted into the other ones or do I need to change something on my tesco account to receive them from now on?

    Thanks x
  • Bluefire
    Bluefire Posts: 476 Forumite
    Debt-free and Proud!
    £4.50 yesterday from free bingo to add. I've started the lengthy process of cutting down my DVD collection - almost quartered it yesterday & just need to check whether they're destined for the carboot, ebay or music magpie! Plus I may just have to watch a few again to make sure I really want to get rid of them.

    Task for the day: finish price checking possible sales & sign up to some survey sites.
    Mortgage: [STRIKE]08/13 £28,896.49[/STRIKE] 01/18 £0
  • gilly41
    gilly41 Posts: 909 Forumite
    Another £20 for me today.....sold another one of my many unworn items!!!!! That makes total of £80/£280 :) xx
    Sealed pot challenge 7...my number is 2144.....started Nov 29th ....
  • 36p for me from TCB
  • tinkerbel
    tinkerbel Posts: 1,795 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    sweetpeas as long as you havent used them then you can just save them up and use them for loads of things, just google clubcard deals and you will see more about how it works! I think for OU they are worth 4 times their face value!
  • sweetpeas_2
    sweetpeas_2 Posts: 2,237 Forumite
    tinkerbel wrote: »
    sweetpeas as long as you havent used them then you can just save them up and use them for loads of things, just google clubcard deals and you will see more about how it works! I think for OU they are worth 4 times their face value!

    Thanks tinkerbel, so if I want to use them for OU I don't actually need to register for a different type of voucher.. It's just the same vouchers I've ways used in store?
    I will google it tonight thanks very much :) I'm giddy now cos I've got quite a few vouhers at home so mite be able to do a course this year after all! :)

    xx
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    £139.35 today from Quidco has appeared in my bank account. I am saving up to pay off a £2500 overdraft so I really need to concentrate on making more this month.
    business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
    'I had a black dog, his name was depression".
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