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Eating a Vegetarian Elephant

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Was that PB wins - or purchases?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Chiglepig
    Chiglepig Posts: 613 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    @savingholmes that was wins :)
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Ooh well done! 
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,350 /£5,000


  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    woohoo that's fab
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Brilliant win @Chiglepig!  I had the same problem with Y0uG0v.  Couldn't get an answer from them for months and had to resort to contacting their marketing manager before I could get it resolved.

    Fortune x

  • Chiglepig
    Chiglepig Posts: 613 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    edited 9 November 2021 at 2:56PM
    @Fortune_Smiles, I'm not sure I can be bothered - certainly not at this point in the academic year!

    Decision made, Puss Cat is now self insured! I can't do the same for Doggos because they have to be insured to come to work with me, but I won't be renewing Pet Health club for any of them as the renewals come up - again that can all go into a dedicated Pet Stuff account.
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • themadvix
    themadvix Posts: 8,782 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    If the Pet Health club stuff is flea treatment from the vets, you can almost certainly get this cheaper online. Frontline etc doesn't need a prescription, but even if what you give them is prescription only, it's well worth checking prices - I get a prescription for flea treatment for one of our cats and that costs about £20 (for a year's worth), but the tablets are about half the price from Pet Drugs Online (highly recommended, no connection!). We come a bit unstuck with worming tablets as they seem to be proprietary, but I need to look at this again really as I'm sure I could get the equivalent cheaper elsewhere.

    Youg0v are not sending me invites at the moment because I'm 55p away from payout :disappointed: Very frustrating!
    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


  • Chiglepig said:
    @Fortune_Smiles, I'm not sure I can be bothered - certainly not at this point in the academic year!


    I don't blame you.  I was close to pay out but wouldn't have bothered myself otherwise.

    Fortune x

  • themadvix said:
    If the Pet Health club stuff is flea treatment from the vets, you can almost certainly get this cheaper online. Frontline etc doesn't need a prescription, but even if what you give them is prescription only, it's well worth checking prices - I get a prescription for flea treatment for one of our cats and that costs about £20 (for a year's worth), but the tablets are about half the price from Pet Drugs Online (highly recommended, no connection!). We come a bit unstuck with worming tablets as they seem to be proprietary, but I need to look at this again really as I'm sure I could get the equivalent cheaper elsewhere.

    Youg0v are not sending me invites at the moment because I'm 55p away from payout :disappointed: Very frustrating!

    It is, @themadvix, it was worth it for the first year, and they used to do additional health checks, but those went by the wayside with social distancing. It also included insurance handling, which was useful when Big dog and Puss were younger and accident prone. Thanks for the PDO recommendation.

    @for@Fortune_Smiles and @themadvix, that is so frustrating with YouGov - at least I'd only done two surveys!
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • That's a great monthly PB win, may I ask how many?
    I only had mine for 2 qualifying months £14k but I am impatiently waiting 😊

    Yes think self insure is good for the pets once they are older. My mum's pet insurance has suddenly gone from £42 to £84 monthly, the dog is 10 and had just one claim in 7 years - for £60 blocked ear  ache  received after their claw backs etc.




    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
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