Mortgage free by 2023 (!)

debtfreeoneday

Oh it’s £2 cashback on a spend day on top cashback so I’ve bought cat food which we need anyway. Also had £2 off £25 spend voucher from pets at home plus the food was £5 off if you bought two packs so £9 savings there. 

debtfreeoneday

Ok took your advice KC and spent £12.50 nectar vouchers through fleabay. Couple more gifts bought. 

Also bought a few bits on Amazon and they had £7 vouchers for delivery to an Amazon locker. Our closest one I have to go to this week so it was worth the £7 saved. 

Reached payout on store rewards. In ipsos news they terminated my account this week. I had a good run but I obviously did something to annoy them!!

Karmacat

debtfreeoneday said:

Ok took your advice KC and spent £12.50 nectar vouchers through fleabay. Couple more gifts bought. 

Also bought a few bits on Amazon and they had £7 vouchers for delivery to an Amazon locker. Our closest one I have to go to this week so it was worth the £7 saved. 

Reached payout on store rewards. In ipsos news they terminated my account this week. I had a good run but I obviously did something to annoy them!!

Honestly, I think its a good idea.  Did you see the news this week about stocks and shares in America?  Amazon shares lost 22% of their value after reporting lower earnings.  This Bloomberg link says 14% Amazon Stock’s Biggest Drop Since 2006 Caps Miserable Month for Tech (AMZN) - Bloomberg  We don't know where this is going  

pennywisepoundstupid

debtfreeoneday said:

Ok took your advice KC and spent £12.50 nectar vouchers through fleabay. Couple more gifts bought. 

Also bought a few bits on Amazon and they had £7 vouchers for delivery to an Amazon locker. Our closest one I have to go to this week so it was worth the £7 saved. 

Reached payout on store rewards. In ipsos news they terminated my account this week. I had a good run but I obviously did something to annoy them!!

Thanks for the heads up on the Amazon voucher I checked and they had sent me the voucher to, so i have ordered 2 christmas gifts and saved £7 and  I can pick them up from a place near to where i do dog training. Brilliant thank you xx

debtfreeoneday

Few £5 in for Amazon this week from store rewards and Shoppix. Payout requested from TCB. £42.15 of money earned so far this  month. 

DD won £50 on PB. Nothing for us this month. 

debtfreeoneday

So financial decision has been made and it’s mostly positive. I can now make the £2k overpayment on the mortgage but will hold off until post 1 December and PB draw!

We need to have a long sit down and look at our finances over the next few years before DH retires.  The decision means I don’t have to go back to work anytime soon but there is a chance of a role locally that I would probably go for. 

debtfreeoneday

temptation got the better of me and £1k overpayment sent. The other 1k will have to wait until December. 

debtfreeoneday

Bit of money juggling and I’ve covered the other £1k leaving the bank so OP sent and that completes all of my financial goals for 2022!  That’s £13185.62 saved and earned. Onto 2023 planning and goal setting now. 

✔️OP £3096.27/ £3000

✔️SAVE - carpets £1000/ £1000

✔️SAVE Dec 22 Food budget £400 / £400

✔️SAVE EF £2142.60 / £1000

✔️EARN £2934.85 / £1750

✔️EARN Amazon vouchers -£464.93/ £300

✔️SAVE wood £240 / £240

✔️CLEAR bill £900 / £900

✔️CLEAR holiday balance £300 / £300

✔️CLEAR sofa balance £642.80 / £642.80

✔️CLEAR gift account £800 / £800

✔️CLEAR CC advance for OP £914.17 / £914.17

debtfreeoneday

Was a bit spendy last night. We’ve been holding off pending the financial decision being made so can now buy the last carpet to help making the house warmer. Bought two flasks for taking hot food out with us over the winter. Feel this will save money in the longer term. Also bought the kids one extra Christmas present which I wouldn’t have got otherwise. Got them 30% off though in a Black Friday deal and got cashback. 

I’m ever so nearly there with birthdays and Christmas now. Think I might do the wrap session this weekend so I absolutely have a definitive list of what else I need to get. 

South_coast

Hooray - well done you 👍👍👍! You've not only achieved, you've over-achieved on a lot of them 😀! Absolutely fantastic result as always (and 6 weeks early), looking forward to seeing what you do in 2023!