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Learning to walk before I run
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edinburgher said:£6 paid into the WTSHTF fund today (thought about changing it a la South_coast but couldn't bear to be that positive
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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!!!6 -
I wish the Tandem instant access account wasn't substantially better than my Zopa rate but it is. Closed about 6 savings pots and stuck them all in Tandem, worked out about a 13% improvement on previous rate. I don't like the lack of pots but YNAB can cope with all money in one place.
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I keep thinking we should move our PB into a guaranteed interest account but then it would not satisfy that little feeling I like so much from a win. Between us we have had ten wins this year (7 for me, three for DH) but I have three times more in my name so he is actually doing better than me.Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here9 -
edinburgher said:Boss excelled themselves this week. Their best contribution was reviewing a piece of work, identifying a typo (a bracket was missing) and telling me with an email that also contained a typo.
On one of my reports she corrected (incorrectly) my punctuation which I forwarded to her boss who also had to correct something every time, complete with track changes so he could see the correction; he promptly corrected it back to how it was originally and everyone was happy7 -
I was once writing a document - saved on the shared drive, but clearly unfinished, only a couple of paragraphs with a list of bullet points at the end as notes, DRAFT clearly in the title. I'd not sent it (obviously - not finished and nowhere near deadline), but project lead (who was fortunately not my actual boss) spotted it on the shared drive, and went in and made loads of tracked changes, basically scribbling all over it with a red pen 🙄 At least wait til I've actually finished drafting the darn thing! 🙄5
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I am glad to see that micromanaging tools are widespreadI have signed up for Tax Free Childcare today, a remarkably simple online service, kudos to the gummint and their IT developers. I have also cancelled my Childcare Vouchers and this will take effect after my next payday. We've been getting them for c. 7 years and I'm feeling a bit out of sorts as this was one of the longest relationships of my adult life
That said, we were going to run out of vouchers in a couple of months and would have persistently had a deficit from that point forwards.
TFC seems slightly less generous on a "per pound" basis but it's big enough to offer something off every pound paid in, IYSWIM? As such, it will help us get through the last of the expensive years. I appreciate the account only works up until they are 11? but that's fair enough,our experience has shown that pretty much every child is sick of summer clubs etc. by the time they are old enough for secondary school
I have also stuck a wodge of multiple receipts through ZipZero, hoping to capitalise on advice offered by South_coast. Still not entirely sure I did it right (loaded an offer to "my offers", took a photo of my biggest receipt for each retailer and then added secondary receipts by taking photos of other receipts from the same retailer for smaller amounts?)DD1 loving P4 so far5 -
Was just going to ask if your DD was back at school yet.Glad she is enjoying P4 so far 😊I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6 -
My former boss once started rewriting my own notes to myself... By once I mean multiple times, in front of me.5
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The tax free childcare sounds interesting. I'd not picked up on that - but then I'm not at that stage. Will it help with the impending blackhole?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/254 -
Is P4 4th year of school?Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here6
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