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The impossible dream
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£20 per month is a lot of money for doing very little GT. That's £240 a year! Ok, maths is a big thing for me! Think I should continue down this line and now that you know you can still participate on your mobile, sounds like you should too. It would be rude not to.
Kitty is getting better thanks. He is staying in a lot whilst he recovers. His flotation device will be removed on Monday. The injuries are scabbing over nicely.
I like your distraction techniques Stripey. I will give them a go.
Went shopping for food and spent a lot of money. The positive is the freezer is full so I should only need to buy milk when it runs out.
Reading everyone diary, I question if I am doing the right thing regarding my visa bill. Should I be putting spare bits into it to bring it down faster, or should I stick with my current plan of paying it off each month? Perhaps rather than saving my Prolific money for a holiday, I should use it to pay down this debt? May give this some further thought.
What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park3 -
Happy Summer Solstice! It's the longest day and we are now officially heading back towards Winter.
Today, I woke up and having pondered this dilemma, came to a decision.
In line with my new money shuffle regime, I will money shuffle all my small pennies and spare £'s into my primary account. This is the account I live from. And then, in the act of overpaying, I will move any untidy ends from this account into the Visa to help with the overpayment.
What I have learned from reading diaries, is that all the small amounts add up. So this is my new cunning plan, and I began today by paying £0.08p into the visa.
I feel very positive about this decision, as I hope that these small bits, given time will help to bring the visa down a bit faster than the repayment plan that is already in place.
Feeling very positive about my finances at the moment. But anything can go pear shaped at any point!
What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park3 -
I think pay down as fast as you reasonably can while you are on a roll. Little bits add upAchieve 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 29/7/251 -
Hi Savings. I will do. Not sure how far I will get with contributions of 0.08p though. Especially as sometimes there is very little movement in my accounts. When you don't go anywhere and don't spend anything, this plan has its limitations. But, when I can I will. I currently own around £1500 to the visa. Lets see how long it takes me to reduce this to £1000. Luckily there is no pressure.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park2 -
Monday morning, so did the money shuffle and sent £1.10 to the Visa. On a roll!
Joined OnePoll over the weekend and am slowly building up some money to transfer out to the visa. Prolific is currently at £19.00, which again, will go to the visa. It's needed there more than towards a holiday. Don't want to change the money coming in from ebay into Paypal, because that is clearly useful for buying things to help me with normal spending needs.
So, my cunning plan, which is as mercurial as I am, is to use the money from surveys and tilly tidies to pay towards the visa. Hopefully, with some targeted action, this will reduce this bill faster than I had planned. Every little helps.
My primary account has £5.00 to last until payday, unless something else comes out that I am not expecting. That could only be Moneybox, where it rounds what I have spent during the week to my emergency fund, so not a concern at the moment. If it takes more than the £5.00, I can shuffle a bit from another account to cover. Pay day is next Monday, so only a week to go.
Need to focus on work. Still struggling with this.
What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park2 -
Hi Tahlullah That's a good idea paying extra bits of money to your card. It's what i'm doing with mine now.
I am sorry work isn't very motivating at the moment - i don't have any suggestions - sorry x1st May 2025
Mortgage Balance 1: £21,601.50 4.98% Now: £18,044.31
Mortgage Balance 2: £84,420.24 Now: £83,562.45
Credit Card Balance 3: £10,911.76 Now: £7,237
Student Loan £TBC1 -
I am very impressed if you can make your £5 stretch to next week. My Am**** addiction gets in the way of that - needs work.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 29/7/251 -
Well, not sure how to count this. Kitty needed the Vet, so off we went this morning. Half an hour later and £95 lighter, with big bandage on his paw. He is sulking, but ok.
I didn't spend my final £5 in my primary account, instead took it out of the household repairs account. Well, he is part of the household and he needed repairing! His insurance only comes into play once the bill passes the £100 mark. So, the house repairs account is lighter, but my £5 is still safe!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park3 -
I think that is what EF and savings pots are for so you are still good. Hope the kitty recovers quickly.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 29/7/251 -
Hi Tahlullah - aw - i hope your furbaby is doing ok now? I find ours don't like going to the vet but once there i think they realise it is something we are doing to help them - one of ours hurt his paw once and i had to pop him in his box (usually a phenomenal struggle) He put up a mild resistance - which i think was for show more than anything
and off we went to the vets. he was incredibly brave when there 
1st May 2025
Mortgage Balance 1: £21,601.50 4.98% Now: £18,044.31
Mortgage Balance 2: £84,420.24 Now: £83,562.45
Credit Card Balance 3: £10,911.76 Now: £7,237
Student Loan £TBC2
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