Countdown to Freedom

Tilly_MFW_in_6_YRS

Hi J, you may have helped me - thank you.

If we saved more vs OP, the interest really would not be a lot - as an example FD 8% account, max paid in per month and still only £176 ish interest in a year. Plus high rate tax payers so tax to pay.

I cannot believe how this topic has me in such a pickle as I am usually decisive.

Perhaps if I had a B2L portfolio I would be taking a more disciplined approach but my only desire is to be MF. Mr Tilly would like us to save more cash after being MF whereas I just want to stop work - who knows what the future holds.

have a good week, Tilly c

Tilly_MFW_in_6_YRS

Good morning, quick bank account tidy of £1.90 so that will have me MF in no time :rotfl:

I called the bank last night to discuss my MF date and although tight, they agreed with my calculations so that was good news. I find FD very professional and straight forward and after the Spanish bank that is extremely refreshing.

Lodger is now back and it's lovely having more people round the dining table. Kids have started back to their various activities and it feels like autumn is on the way.

Just about to do a little more ironing and then working in the office today. I managed to get all the washing finished and dried on the line yesterday.

That's it for now. Another NSD on the cards and tomorrow will definitely be the same.

We need to switch our gas and electricity so that will have to be a jb for this evening.

Have a good day, Tilly

ammonite

Tilly - all those £1.90's add up

With the gas and electricity, do you just work out how many KW hours of energy you have used and then use a price comparison? Our electricity is fine (£10/week) but our gas is extortionate and we will need it on more this winter so I'm wondering how to switch it!

unhappy_shopper

Tilly_MFW_in_6_YRS wrote: »

We need to switch our gas and electricity so that will have to be a jb for this evening.

Tilly, hurry as most of the fixed price deals are being withdrawn. See http://www.moneysavingexpert.com/latesttip/#energyfix

Tilly_MFW_in_6_YRS

Hi Ammonite, Mr T worked out actual usage over a year and then went via TCB to a switching site. I think he will probably switch us today but there may be a bun fight as BG tie in doesn't finish until nearer end of September.

Have a go as its worth doing

Best wishes Tilly x

Tilly_MFW_in_6_YRS

Thanks US, that confirms it is now Mr Ts first job of the day -Tilly x

unhappy_shopper

ammonite wrote: »

With the gas and electricity, do you just work out how many KW hours of energy you have used and then use a price comparison? Our electricity is fine (£10/week) but our gas is extortionate and we will need it on more this winter so I'm wondering how to switch it!

Sorry Tilly about hijacking your thread.
Ammonite, if you look at your previous bills, the annual consumption of gas and electricity will be mentioned there. You just put that figures in the comparison site and switch through them or through a cashback site. HTH.

This link might help you to decide.
http://www.moneysavingexpert.com/utilities/you-switch-gas-electricity

unhappy_shopper

Tilly_MFW_in_6_YRS wrote: »

there may be a bun fight as BG tie in doesn't finish until nearer end of September.

It takes 3 to 5 weeks for the switch to happen. So you can do the switch now through the comparison site and it will be past the tie-in period by the time the switch completes.

Tilly_MFW_in_6_YRS

Thanks US, he is on the site as I type, Tilly x

Mortgage_Reduction_Novice

Hope the energy supplier switch goes smoothly and a nice juicy cashback to boot... it's the few weeks in limbo that I don't like!