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Setmefree's Diary: MFi5 journey

1535456585978

Comments

  • Hi SMF2,

    Just catching up with your diary..

    Well done on getting below 100K

    Happy New Year

    MQ
  • Hi SMF2
    Well done on your sub 100k - every digit down is great news!
    Hope 2010 is as productive.
    PO xx
    :D2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!:D
    But now I'm not - (Joint) Mortgage £104704.
    New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%
    SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%
    No 17 Lewis Lane
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    My gas and electricity accounts were updated at end of December and have only just looked at them. Good news mostly :T

    GAS
    Down on all previous December Quarters - 2006, 2007 & 2008 by between 22% and 26%. :T

    ELECTRICITY
    Down on 2006 & 2007 by just 1%:T but up on 2008 by 18%:o

    Overall quite pleased.:money:


    I have updated page1
    (Energy use thread on Green Board)
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    A year ago I set myself a personal challenge to see how much I could save on coupons and loyalty points. Here's the final results.

    I started this challenge 1st January 2009.

    Savings made from coupons and points in shops:-

    £312 Boots
    £ 53 Local Hairdresser
    £108 Sainsburys
    £ 27 Body Shop
    £ 21 Tesco
    £ 10 M & S
    £ 8 Next
    £ 21 Homebase
    £560 TOTAL shopping

    Other vouchers used

    £36 Airmiles used to save on Eurostar
    £27 Free tickets local football club
    £130 Free tickets for Legoland
    £1295 Hilton Points used in Paris
    £1488 TOTAL


    GRAND TOTAL £2,048
  • evab_2
    evab_2 Posts: 2,336 Forumite
    That's fantastic smf, well done on all those savings xx
  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    Just had a look at our spending spreadsheet. It runs April to April. Year upon year most things seem reasonable but the one thing that has increased a lot is our food bill. This probably is due to the fact that our 2 boys now eat like male adults :eek: but I must have a think and see if I can reduce this. We hardly throw any food out so I'm not sure it's possible.

    Anyhoo, I'm going to try and keep to my resolution this year- not to buy any more books :naughty: until I've read the massive pile I already have. Also to buy the minimum amount of clothes.

    My use-it-up-personal challenge is still going. My bathroom shelves are now heaving with Christmas booty; beautiful shower gels, bubble bath, body lotion, perfume, candles, etc - now I just have to spend the year "using it up". Now that's the sort of challenge I enjoy bath.gif

    Best Wishes

    Smf2
  • uzubairu
    uzubairu Posts: 1,208 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Home Insurance Hacker!
    setmefree2 wrote: »
    A year ago I set myself a personal challenge to see how much I could save on coupons and loyalty points. Here's the final results.

    I started this challenge 1st January 2009.

    Savings made from coupons and points in shops:-

    £312 Boots
    £ 53 Local Hairdresser
    £108 Sainsburys
    £ 27 Body Shop
    £ 21 Tesco
    £ 10 M & S
    £ 8 Next
    £ 21 Homebase
    £560 TOTAL shopping

    Other vouchers used

    £36 Airmiles used to save on Eurostar
    £27 Free tickets local football club
    £130 Free tickets for Legoland
    £1295 Hilton Points used in Paris
    £1488 TOTAL


    GRAND TOTAL £2,048

    Well done. :beer:

    It really does make a difference and for me provides days out and holidays with little or no cash outlay.
  • canne_2
    canne_2 Posts: 124 Forumite
    I've just figured out how to subscribe to threads so I'm just posting here so I can get updates to your diary.

    :)

    Cheers

    canne
    The Mortgage Free in Three - Take 2 Challenge (MFiT-T2): #58 - Goal: Get to AU$50 000 by 12/12/12
    Current balance: $84 693
    2011 MF Wannabes: #102 - Goal: Overpay mortgage by AU$15 000
    Total paid for 2011: $2253.16
  • TallGirl
    TallGirl Posts: 6,249 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    That is some savings setmefree2 well done for keeping track of all of that. Amazing how it all adds up.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • setmefree2 wrote: »
    Anyhoo, I'm going to try and keep to my resolution this year- not to buy any more books :naughty: until I've read the massive pile I already have. Also to buy the minimum amount of clothes.

    My use-it-up-personal challenge is still going. My bathroom shelves are now heaving with Christmas booty; beautiful shower gels, bubble bath, body lotion, perfume, candles, etc - now I just have to spend the year "using it up". Now that's the sort of challenge I enjoy bath.gif

    Best Wishes

    Smf2

    Well done on the Coupons Total! That's impressive.
    :beer:

    Mr OP's used his Boots ones on more of his fave moisturiser which is one of his must haves. We are ploughing through lots of nice pressies and free or cheap offer toiletries that we have "carried over" from last year. We are going from January to January now.

    Clothes we just need essentials so I've set a low budget for that. Books ditto, we have loads of them too.
    No longer half of Optimisticpair


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