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Setmefree's Diary: MFi5 journey

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Comments

  • Lynn11
    Lynn11 Posts: 674 Forumite
    Excellent results within a year to reduce your day rate of interest. Well done
    MFIT T2 Challenge - No 46
    Overpayments 2006-2009 = £11985; 2010 = £6170, 2011 = £5570, 2012 = £1290
  • RosieTiger
    RosieTiger Posts: 863 Forumite
    Hey SMF2 you are role model for all of us - must be the new clothes !
    RosieTiger - Highest £242,000 Feb 2004 :mad:
    Lightbulb Dec 2008 £146,000 by March 2026:eek:
    MFi3T2 and T3 No 28 - Dec 2009 Start Balance £117,000
    Current Position-Fully off set by savings since March 2013
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Congratulations SMF2!
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • taka
    taka Posts: 3,483 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Wow thats some decrease! Well done!
    Mortgage free as of 12/08/20!
    MFiT-5 no 45
    You can't fly with one foot on the ground!
  • SuiDreams
    SuiDreams Posts: 2,393 Forumite
    Part of the Furniture 1,000 Posts
    Well done on that, that not something I've been tracking, think I'll start keeping an eye on that myself.
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    It was one of my new year's resolutions to try and use more coupons, points, vouchers etc. This is how I've been doing:-

    Savings made in:-

    Boots £30.42 (points used & coupons)
    Hairdressers (local-me and kids) £20.55
    Sainsburys £3.25 (coupons)
    WH Smith £1.84

    TOTAL Saving £56.06 in two months:j

    Points outstanding:-

    Boots £33.52
    Sainsburys £50.40 (to use in Argos)
    Tesco £23.00
    Legoland vouchers £60
    Airmiles 6991 points
    Your points (Natwest) 3551

    TBH I missed a couple of tricks in Boots and could have had perhaps two more of the £5 off No 7 vouchers which I could have used against cleansers, so I'll try and learn for next time;)

    Still forgetting to collect nectar points on my Amazon purchases:o

    Not bad though:T
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Still forgetting to collect nectar points on my Amazon purchases:o

    :doh: You just reminded me that I could have got points yesterday! :doh:

    I am very impressed by your mass of points:T
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • StuartGMC
    StuartGMC Posts: 2,175 Forumite
    SMF2
    I see you have NatWest Yourpoints, we've now got about 41,800 (we use the card alot to keep the offset amount high), but I've not yet used any. I think they are now at a level which means they are "useful", the question is, what is this in real value vs. say, a cheap flight on easyJet?

    Have you used any yet?
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    StuartGMC wrote: »
    SMF2
    I see you have NatWest Yourpoints, we've now got about 41,800 (we use the card alot to keep the offset amount high), but I've not yet used any. I think they are now at a level which means they are "useful", the question is, what is this in real value vs. say, a cheap flight on easyJet?

    Have you used any yet?

    The Natwest Yourpoints scheme includes Easyjet in its choice of airlines and also American Airlines, Virgin & e bookers. (41,800 miles will probably get the 3 of you to this side of mainland Europe on easyjet) As you suggest, however, it might be better value, say, to save the points up and use them for a free trip on Virgin or American to a destination for which it's not so easy to buy cheap tickets, rather than use them on a free trip on easyjet.

    We haven't used any Yourpoints as I haven't collected enough. I don't use my credit card very often (just online purchases). However, we've used the Airmiles scheme and BA miles scheme and they have both been simple enough.

    Do you collect any miles with your business travel?
  • evab_2
    evab_2 Posts: 2,336 Forumite
    Well done on using your points, I'm very impressed. Also I just discovered mysupermarket after someone mentioned it, you can get ipoints on your shopping as well as your nectar/clubcard points and currently get 400 extra points on your first order.
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