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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 oneWithout overpayments: 15 years, 1 monthsBecause of overpayments: 10 years, 10 months left until paid off4 -
Thanks Poppycat 😀 It's painful when you know you've got the money coming but it's not there yet - great when it does come good though 😀
And I'm afraid that's my approach to a lot of things. I have no self-control, so better for me not to have things available as temptation!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!!!5 -
Excellent work on the free money there (and on the oil buying) - well done!3
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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!!!1 -
South_coast said: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
Well done on February. Thats really great going.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)4 -
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!!!4 -
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 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20173
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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!!!2 -
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 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20172
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🤣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!!!0
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