Ztan's Shared Equity Story- MFW from the word GO

MuffinTops

Quidco also have a section where you can save money on groceries. They show you the current cashback deals on specific items and if you've bought any of those items you just upload your receipt and hey presto - free money!

I'm not sure about the rules on giving links to promote things so go onto Quidco and you want to find the ClickSnap section. If you can't find it just add /clicksnap/offers at the end of the main address. Let me know if you have any problems getting there and I'll pm the actual link.

MTx

ztan

That's excellent thanks Tops! I'll check it out later.

I'm sat here getting my head in a bit of a tizz about the interest on the equity loan, and how much we need to OP by to have a decent LTV whilst still saving some money towards deposit, life and Oz in order to sell up in 2-3 years time and be able to move house.

Wish brain would disengage sometimes! It's all too far away, I need to stop worry and planning, I can't make it happen now!

ztan

Hmm, got bored and did it now instead... app downloaded, registered and ready to click click click!

Lois_E

ztan wrote: »

Oh dear.. I made the mistake of mentioning my MFW plans in the office. Why does this always happen?
"That's a very nice idea, good luck with that... There's no way you'll be able to do that once you've had kids and had to give up work and moved house etc... blah blah blah"
People are so cynical and always think they know best.
:doh:

I can move house, have a family and potentially give up work for a few years to raise my family and still be MF before I'm 50... I CAN!

I can do without that kind of commentary from the people I know IRL. That's why I don't tell them about it, and I don't say stuff on here that would identify me if any of them happened to be reading. Call me a wimp if you like, but I get to make progress with OPs, and nobody laughs at me or gives me any grief about it.

Thrifty_Pixie

hmm. i don't really have much experience with cashback sites and things, but i do swear by my cashback credit card, and i use my Tesco, Co-op and Nectar cards whenever i can. actually i do have a Quidco account but i've never used it. must do that!

also, remember to ALWAYS search for voucher codes online when you're buying anything. a quick search will bring up all current ones, even if it's just free delivery.

ztan

Lois_E wrote: »

I can do without that kind of commentary from the people I know IRL. That's why I don't tell them about it, and I don't say stuff on here that would identify me if any of them happened to be reading. Call me a wimp if you like, but I get to make progress with OPs, and nobody laughs at me or gives me any grief about it.

Too true Lois... I'm keeping it to myself from now on.:D

TP.. I'm just sat down showing my OH all the little things we can do to make our money work harder, seeing as we cannot earn more! That includes voucher searches and lots of Quidco. You should get on it! I'm learning tonnes!

gallygirl

Lois_E wrote: »

Call me a wimp if you like, but I get to make progress with OPs, and nobody laughs at me or gives me any grief about it.

I dunno, I thought it was pretty funny that time you paid £1.13 off :rotfl::rotfl::rotfl::rotfl:.

I know what you mean, I've told no-one apart from the odd throw-away remark. I've told one friend I plan on retiring at 55 as she specifically asked, having said that was what she was planning (but as I pointed out, that's a lot further away than my retiring, there are a FEW benefits to being older ). Even then I just said I was overpaying mortgages, she doesn't know about Tilly Tidies etc .

ztan

I have one friend I can confide all of my OP plans and obsessive behaviour in, and she is fully supportive which is great. So I'm sticking to rambling on at her and my DOH from now on!

Devastated this morning when the alarm went off and I thought it was Saturday and could go back to sleep... before realising it's Friday!

Did a shop last night, I hate how expensive food is now compared to a few years ago... despite my best attempts to keep things to a minimum I could definitely have spent 30% less a few years ago. Although there could also be the case that a few years ago I wasn't living with a man and therefore my food consumption was 75% less! :rotfl:

gallygirl

ztan wrote: »

Devastated this morning when the alarm went off and I thought it was Saturday and could go back to sleep... before realising it's Friday!

I dreamt it was warm enough to wear sandals, albeit with trousers. Gutted when I woke up to snow (was a few days ago), I was looking forward to getting my tootsies out :rotfl:.

I_want_a_baby

Ztan, I also struggle to find people in real life I can share my OP'ing plan with.

I do struggle to understand other people though too!

I remember telling someone our OP'ing plans and they looked horrified and said 'but you have to live while you are doing it'.

I reminded them that we are going away to the coast for the week for a butlins style holiday, my husband & I have a weekend away booked without the kids, we have BT vision, a takeaway a month on top of our food budget, have £10 a week fun money to spend on family life plus a days out budget which means we can afford about 3 paid days out a year so really we are living and very well too.

Their response... 'but you have to live and have a bit of spare money to treat yourself'.

My thought was 'and that is why one day I will be mortgage free on my forever home and you will have nothing to show for your money'.

I honestly cannot believe some peoples attitude to debt & spending !

Sorry that turned into a bit of a rant :rotfl:.

Stacey x