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Keep calm and carry on....
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And while I'm at it with the monthly round-up, I've hit the free money target for the month today so I'm giving myself tomorrow off!
The scores on the doors are:
£0.43 bank account interest
£0.82 TopCashBack
£2.00 Lidl coupon plus (largely thanks to BF requesting items and bumping up my spend 😀)
£2.00 Storewards
£5.00 i-Say
£5.00 Vypr
£5.00 Huyu
£5.00 Shoppix
£5.00 Amazon reward for streaming music
£5.00 online discussion group about cruising
£10.00 cashed-in Nectar points
£11.40 Panelbase
£16.49 Qmee
£23.25 Prolific
The target was £91.83, and just squeezed in there with £96.39
Next month's target = £91.32Mortgage 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!!!8 -
Looks like you have done excellently to me!! Plenty of good things in there, and you've exceeded your extra income target, hooray! Great work!2
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You buying clothes isn't necessarily bad thing. You don't buy £90 of clothes every week or month, whereas I used to have a colleague who "invests" in high end shoes, so gets 2 £600 shoes a month!3
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Well done on all that extra income. I think I will copy you and set myself an extra income target. How do you decide on your target?Without overpayments: 15 years, 1 monthsBecause of overpayments: 10 years, 10 months left until paid off2
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Ooh, thanks you lovely lot, you're very sweet 😀 £600 on a pair of shoes though, KP 😮! Not sure I've spent that much on footwear cumulatively yet!
The target was completely randomly plucked out of the air Poppycat. I thought it would be nice to get £100/month, so £1200 total for the year. I had a really good January and February, so they've brought the total target down nicely and the monthly average needed to achieve it 😀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 -
£600 on a pair of shoes is mental
But different people, different priorities!
Your patience is incredible.3 -
South_coast said:Ooh, thanks you lovely lot, you're very sweet 😀 £600 on a pair of shoes though, KP 😮! Not sure I've spent that much on footwear cumulatively yet!
The target was completely randomly plucked out of the air Poppycat. I thought it would be nice to get £100/month, so £1200 total for the year. I had a really good January and February, so they've brought the total target down nicely and the monthly average needed to achieve it 😀DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)6 -
I'd say a C- for March rather than a D - you're being too harsh on yourself 😂 Well done on hitting the goals though and treating yourself to some new stuff. I've bought a few things on Vinted and depop over the weekend because I've realised that I also needed to up my clothing game if I'm going to be working from home on pretty much a permanent basis - I want to feel comfortable but also good at the same time. Think the most I've ever spent on a pair of shoes was £150 on my walking boots so that shows you my priorities when it comes to fasion 😂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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ruby_eskimo said:I'd say a C- for March rather than a D - you're being too harsh on yourself 😂 Well done on hitting the goals though and treating yourself to some new stuff. I've bought a few things on Vinted and depop over the weekend because I've realised that I also needed to up my clothing game if I'm going to be working from home on pretty much a permanent basis - I want to feel comfortable but also good at the same time. Think the most I've ever spent on a pair of shoes was £150 on my walking boots so that shows you my priorities when it comes to fasion 😂RE, you're right about re-imagining what 'work clothes' look like - I've been staying in my dog walking jeans (mud and all) most days - sometimes I change the top, sometime I don't (know one can smell me
). I need new walking boots, I tried to economise last time and only paid £89 - they didn't last a full year, so it's back to Meindl this year. Last time I bought them they were £130, but that was 12 years ago and they lasted 9 years, the same boots are now £230
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But £600 a month on shoes that are probably painful to wear?????2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8566 -
That's an awful lot on shoes!! My walking boots were from a charity shop, which probably shoes you how much serious hiking I do 😂A lot of our daily strolls i do in rigger boots 😂1
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