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Learning to walk before I run
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Good news on child care costs dropping.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.5 -
Ooh, that'll make a big difference to your budget ed!5
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Dear all - public service announcement - £2 bonus on £5 spend at TCB today
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£443.81 OPed, which will save us £2,000 and 1 month
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Thanks Ed 😊 must get back into TCB again! When I go back to work there may be some train use - bit of a faff for little tickets but it should add up!4
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1 month shaved off is one month more that belongs to you!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!4
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I'd literally just come on here to say the same thing - really thought I might have beaten you to it this time 🤣!edinburgher said:Dear all - public service announcement - £2 bonus on £5 spend at TCB todayMortgage 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 -
@South_coast - next time 😉
Played about with my dividend pot today, decided today was a good day to add another 8 stocks to remove share specific risks. The orange fella had other ideas 😅 Still a lot of sector specific risk as a lot of companies with decent dividends are in finance.
Still, added a slew of British "dividend aristocrats" to the stable. Apparently every company in my pie hasn't cut their dividend for 7+ years. Sure doesn't stop them being volatile! I quite like T212 - they let me buy partial shares in 33 companies for less than £34 a time, not too scary. Also reduced holdings in some very high yield stuff, which was probably sensible. That said, my only dud so far has been a low yielding company with a 20+ year history of stable or rising yields 🤷🏻♂️5 -
Thank you, much appreciated. I had missed the email 🤦 I've just bought a gift card for the groceries, the cashback and bonus at some point will get converted into a voucher for something more exciting.edinburgher said:Dear all - public service announcement - £2 bonus on £5 spend at TCB todayFashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family5 -
I just love that. Each of those months that you save, could be the equivalent in future savings to the monthly mortgage payment, with those savings to cover the gap years between stopping work and taking pensions, iyswimedinburgher said:£443.81 OPed, which will save us £2,000 and 1 monthSave £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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