Keep calm and carry on....

South_coast

Thanks all, it's actually starting to feel like it might really happen! I had more than that in a credit card in the early part of last year 🤣!

And DFOD, I'm only on £2.40 at the moment, so it's not looking promising!

rugbymadfamily

Down to 4 figures, excellent!!! And great work on the free money!

South_coast

Thank you 😀

ruby_eskimo

Wow well done on getting it down to 4 figures 🥳  Think I have 25 years till I get to that point based on current estimates 🤣

sammy70

well done on the 4 figures! i must admit personally i wouldnt be able to resist clearing it using your savings at this point, im so impatient..

South_coast

I have been tempted, Sammy! Trying to be sensible though, after being out of work for 3 months last year showed me the importance of an EF. I definitely would be leaning that way if it wasn't for the need for the refurb though. At the moment, once the mortgage is done I'll be straight on to saving up for that - if I had to postpone that for while until I'd built my EF back up I would be extremely frustrated! 

Having said that, the ERC drops from 3% to 2% in April, which takes it lower than my interest rate of 2.58%, so I may then decide to throw caution to the wind!

Main MF excitement at the moment is waiting for my car insurance renewal to arrive so I can see the maximum amount it's going to cost and work out how much will be spare so I can pinch it out of the pot....😀😀😀

debtfreeoneday

yay to four figures!  

South_coast

Free money going terribly so far this month - only £7.73 😮! I've been Nectar Canvassing like my life depended on it, but they're being very slow with adding the points - only £2.50 available for this evening's shopping, rather than the hoped-for £5.00. They'd better credit some more by Sunday, as staying at home means that's my last shopping opportunity again until next Friday!

killerpeaty

Why isn't the free money working out this month?

Well done on getting your mortgage so low! Really proud!

South_coast

Thanks KP 😀

No idea on the money, just not very much about - and what little there is around I'm being screened out of! Plenty of time to recover though, and if One Poll pay up my £25 that will go a long way towards the target....