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 2022 - #14 aiming for £9,500 £7,682.98 (80.87%) at end of March (front loaded)
OS Grocery Challenge 2022 target £1,125.68/£3,000 37.52% annual (not incl £500 contingency) - overspent by £125.68 after 4 months and leaving no extra for Christmas at this rate
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 2022 - #14 aiming for £9,500 £7,682.98 (80.87%) at end of March (front loaded)
OS Grocery Challenge 2022 target £1,125.68/£3,000 37.52% annual (not incl £500 contingency) - overspent by £125.68 after 4 months and leaving no extra for Christmas at this rate
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.
MFW: Was: £136,000.......Now: £65,000.00...... Mortgage Neutral Deficit: £46,405.01... Mortgage Neutral Savings: £18,594.99 MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
1% Mortgage Challenge 2021 - £707.85 of £705
Declutter 2022 (minimum of 1 item per day) - 12//365
Well done to PB winners.SJ hope procedure goes well for pooch
Target 1) Clear CC debt - SUCCESS 13/4/22 Target 2) Lose weight & get fit 3) Write regularly 3811342714/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 258 payments to go. Now £198132. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £312 including tax relief
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.
MFW: Was: £136,000.......Now: £65,000.00...... Mortgage Neutral Deficit: £46,405.01... Mortgage Neutral Savings: £18,594.99 MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
1% Mortgage Challenge 2021 - £707.85 of £705
Declutter 2022 (minimum of 1 item per day) - 12//365
Replies
Save £12k in 2022 - #14 aiming for £9,500 £7,682.98 (80.87%) at end of March (front loaded)
OS Grocery Challenge 2022 target £1,125.68/£3,000 37.52% annual (not incl £500 contingency) - overspent by £125.68 after 4 months and leaving no extra for Christmas at this rate
My Debt Free Diary Get a grip Woman
FIRE - 89.6% lean / 59.8% comfortable
Save £12k in 2022 - #14 aiming for £9,500 £7,682.98 (80.87%) at end of March (front loaded)
OS Grocery Challenge 2022 target £1,125.68/£3,000 37.52% annual (not incl £500 contingency) - overspent by £125.68 after 4 months and leaving no extra for Christmas at this rate
My Debt Free Diary Get a grip Woman
MFW (01/15) £49,846.76
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: £46,405.01... Mortgage Neutral Savings: £18,594.99
MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
1% Mortgage Challenge 2021 - £707.85 of £705
Declutter 2022 (minimum of 1 item per day) - 12//365
Hope pooch's op goes well x
we waited about 2 years for our first PB win and then won £525 last month!
Total - £77,284
66 months to go!
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: £46,405.01... Mortgage Neutral Savings: £18,594.99
MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
1% Mortgage Challenge 2021 - £707.85 of £705
Declutter 2022 (minimum of 1 item per day) - 12//365