I have not come across any PB wins this month among the diaries I read on here - and neither of us. I won four £25 prizes last calendar year, and two the year before, but all on the £10k bond.
Save £12k in 2023 - #50 target is £5000 with £1863.56 submitted so far OS Grocery Challenge 2023 spent 40% (39.97% but what is 90p!?) spent or £1,199.10/£3,000 annual (not incl £500 contingency) after May & first June stock up. My Debt Free Diary Get a grip Woman
I was disappointed with my £25 win this month. It seems I should be grateful for it! 😬
You are the only person I have "seen" has won this month (so far)
Save £12k in 2023 - #50 target is £5000 with £1863.56 submitted so far OS Grocery Challenge 2023 spent 40% (39.97% but what is 90p!?) spent or £1,199.10/£3,000 annual (not incl £500 contingency) after May & first June stock up. My Debt Free Diary Get a grip Woman
No PB wins for me either. It’s been a ages since we won! I’m half convinced it’s loaded do you win loads at the beginning!
There's a simple and logical reason when we don't win...Someone forgot to put our numbers in the computer
Payday today, so I shuffled a load of money ack to their rightful places and sent a massive 28p as an overpayment to round the account down. January is always an expensive month for us as we have 5 family birthdays, and 2 of them our own kids! So our Christmas budgeting generally extends into January.
We've also had some progression with pooch. He goes for a procedure next week. Cost wise its what i was roughly expecting (except for a bit of inflation I suppose). Half will be covered by insurance and the other half will come out of holiday money that we didn't spend last year, and are unlikely to spend again this year. It does mean that our premium bonds chances will slip ever lower though...
I've also sorted breakdown cover for Mrs SJ. Couldn't find a way for cashback to work with price, but we do get meerkat movies with it so we'll get it back in the end I suppose.
Well done to PB winners.SJ hope procedure goes well for pooch
Target 1) Prioritise health & social connection 2) Write regularly 51,745/70,000 words Book 2 and 10,787/70,000 Priestess book, 44,000/95000 Memoir Prep 3) Get to £10K EF/Savings Now £6,272 4) MFW starting at £201,999 Nov 21 with 264 246 payments to go. Now £190,335 5) Mortgage neutral progress via pension £3,687 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
Enough of this PB misfortune talk, at least for another 3.5 weeks
Just a solitary TT this weekend of 65p. With much spends on the horizon with birthdays and dog procedures I'm very happy to have little going on! I've carried on getting rid of at least 1 item each day from the house. Progress is slow and small but it feels good to be doing something about the house at least.
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Payday today, so I shuffled a load of money ack to their rightful places and sent a massive 28p as an overpayment to round the account down. January is always an expensive month for us as we have 5 family birthdays, and 2 of them our own kids! So our Christmas budgeting generally extends into January.
We've also had some progression with pooch. He goes for a procedure next week. Cost wise its what i was roughly expecting (except for a bit of inflation I suppose). Half will be covered by insurance and the other half will come out of holiday money that we didn't spend last year, and are unlikely to spend again this year. It does mean that our premium bonds chances will slip ever lower though...
I've also sorted breakdown cover for Mrs SJ. Couldn't find a way for cashback to work with price, but we do get meerkat movies with it so we'll get it back in the end I suppose.
Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
1% Mortgage Challenge 2022 - £157.59 of £650
Hope pooch's op goes well x
we waited about 2 years for our first PB win and then won £525 last month!
Just a solitary TT this weekend of 65p. With much spends on the horizon with birthdays and dog procedures I'm very happy to have little going on! I've carried on getting rid of at least 1 item each day from the house. Progress is slow and small but it feels good to be doing something about the house at least.
Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
1% Mortgage Challenge 2022 - £157.59 of £650