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Keep calm and carry on....

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  • themadvix
    themadvix Posts: 8,748 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    edited 5 November 2021 at 3:43PM
    I've only just found it 🙄 Ooh but I did just log back into the app to see and I won 15 Nectar points on the scratchcard - first time that's happened for me!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • South_coast
    South_coast Posts: 5,868 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Don't panic ladies, it's cumulative. So you only need to earn 2000 points in total. So you get your first 300 points and they give you 100 points for doing so, then you only need another 400 points for your next target, and so on. I've literally only been buying stuff I had offers for on the app (I also have a Sainsbury's credit card which I pay for everything with - I buy a LOT of petrol, remember, and I only ever buy it from Sainsbury's), plus I had a random voucher for 300 points if I spent £10 on Tu, so I stocked up on some tights (which I needed anyway 😀). So yes, I have a minor stockpile of tinned tomatoes and gravy granules, but they essentially paid me points for earning points 😀!
    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!!!
  • South_coast
    South_coast Posts: 5,868 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Just looked out of the window to see if I could see the fireworks that are going off, but saw a pair of foxes and a bat instead - did not expect that at 6.48pm!
    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!!!
  • South coast, I mostly lurk on here but I’ve been hoping you’d explain the Sainsburys thing because I’m halfway through target 2 but couldn’t understand it at all 🤣 It makes so much more sense when you talk about it!
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • South_coast
    South_coast Posts: 5,868 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    *takes a bow* 🤣
    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!!!
  • South_coast
    South_coast Posts: 5,868 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    P.S. If anyone is really desperate, you could do some Nectar Canvass - it only counts points, doesn't matter how you earn them!
    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!!!
  • South_coast
    South_coast Posts: 5,868 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Ooh, one more thing, because I was being awarded the points for earning points, I was also able to pay for my points-earning items with points - so they were giving me money to buy things which would get me more money and then more money on top for hitting my targets 🤣!
    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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