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Keep calm and carry on....

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  • Well done on all that free money.  I applied for lots of things that award you with cashback etc but most of it doesn't pay out for a bit.

    I love the idea of eating the chocolates in double quick time so you could get on with healthy eating, I must try that one  :D
    Without overpayments: 15 years, 1 monthsBecause of overpayments: 10 years, 10 months left until paid off
  • Cheery_Daff
    Cheery_Daff Posts: 17,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Excellent work on the free money there (and on the oil buying) - well done!
  • The oil was the real triumph - now I just need to remember to put it in 🤣!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    edited 1 March 2021 at 7:57AM
    More money spent! Went to Halfords to get some oil and cash in my Confused.com rewards so I can declare it as February free money 🙄. Oil was reduced from £23 to £15.99 - normally a good thing, but annoying on this occasion as it meant I needed to get two bottles to spend my £20 voucher. Not the end of the world, as not as though I won't need it eventually (and normally I tend to buy oil when the light has come on and I've dripped the last dregs in, making it fairly urgent - cue me then in the car park pouring the oil in, and it's always blowing a gale and it's flying everywhere, so having surplus oil feels very organised 😀) Anyway, back to today, chappie puts it through the till, takes the voucher off and I pay the balance. It sounds wrong, but remember I am very bad at maths, so assume I've just worked it out wrong. Get back in the car, check the receipt and it's gone through at full price and I've just spent £26 😮! Back inside I go, show the chap the discount ticket on the shelf and he refunds me the difference. Phew! 

    I'm taking the rest of the day off the free money now, as I just need a few hours of not thinking about money 🤣! So, this month's totals are (the target was £97.23):
    £0.25 Lidl scratchcard win
    £0.53 bank account interest
    £1.38 bank account cashback
    £2.00 Storewards
    £4.01 TopCashBack
    £4.52 Qmee
    £5.00 Vypr
    £10.00 Consumer Pulse
    £10.00 Shop & Scan
    £15.00 cashed-in Nectar points
    £20.00 Confused.com rewards
    £25.00 One Poll
    £53.54 Prolific 

    Total £151.23 😀! So what started out as a terrible month ended up pretty damn well!

    March target = £91.83 
    See you’ve surpassed your target again.  Come on - stretch target of £100 for March. You can do it!

    Well done on February. Thats really great going. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • South_coast
    South_coast Posts: 5,865 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    No, sticking with £91.83. Then if I get a run of good months I can look forward to November/December having targets like £20 🤣!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well done on the low spending and hitting the free money goals!  I've never bought oil for my car...should I be doing that?  I check the levels every once in a while and they change it when it gets serviced...
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • South_coast
    South_coast Posts: 5,865 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    If it's not asking for it and there's enough when you check, then I guess you're probably fine! Mine seems to like oil, so it would never last between services (thinking about it, the last Audi I had was the same, although that was much older at the time 🤔)
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Phew, you had me worried there!  I've only ever had VW's and never even thought about it to be honest.  Knowing my luck the warning light will come on the next time I take the car out.
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • South_coast
    South_coast Posts: 5,865 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    🤣           
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
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