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Giving every £ a job

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Comments

  • Sun_Addict
    Sun_Addict Posts: 24,239 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    For the first time ever I’m teetering on the edge of the 10% off target. I’ve also received £5 off £40 spend. Shame I didn’t get that last week when I spent £85 mainly on garden stuff 😐 I think I cleared them out of the expanding trellis 😆
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Makingabobor2
    Makingabobor2 Posts: 4,282 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    How much do you have to spend for 10% off? I've never got that
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,304....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .

    Studies/surveys  September £18.30

    Decluttering items 1198/
    2025
    Books read    17
    Jigsaws done  11

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The party invite sounds charming. Do you have a headdress / tiara from your wedding you could wear? Somewhere like the Cl&&re shop will sell cheap tiaras... I'd want one now if I were you!!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Some lovely wins there...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • Blackcats
    Blackcats Posts: 3,947 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Feeling very happy to have received lots of nice Mother's Day messages, cards and gifts from our communal children.  I tend to think of the day in terms of my mum and my role as her daughter rather than my own role as a mum iyswim.  Anyway there are lots of us missing our mums today but we were lucky to have them and they are always in our hearts. 
  • RebeccaPAgain
    RebeccaPAgain Posts: 55 Forumite
    10 Posts Name Dropper
    Really good wins there blackcats!  And glad you had a lovely mother's day.
  • Blackcats
    Blackcats Posts: 3,947 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Another item has sold on e bay and is being collected tonight.  Hopefully this will encourage further listings.  
    We are getting a new shed in the next few weeks which will help us sort out the garage and I'm determined not to move stuff from the garage to the shed and then shut the garage door and forget about the contents for another few months.

    there is some surplus money left for re-allocating before the April budget starts which is always pleasing and lots of tasks have been ticked off my lists thanks to the March into Spring challenge.  I tackled v media about my dad's account and prevented a £30 a month hike in charges.  I ended up getting him an 18 month contract at £23 a month less than he is paying now.  I do wonder if companies like v media and s*y are starting to realise that folk just don't have the money and/or are no longer prepared to spend such exorbitant amounts.


  • badmemory
    badmemory Posts: 9,854 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I think some companies have been extracting the Michael for so long they thought they were immune from people actually doing that double take.  They have been taking money from people for absolutely nothing.  There comes time for a reckoning eventually.  I confess though that I struggle to watch everything I intend to watch on just terrestrial TV, so there is no way I am paying extra to not watch other things.  Up to 2 hours a day is more than enough.  But then I always record anything I want to watch as that way if there are adverts I can fast forward, put the kettle on or go to the loo.
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