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Getting FIREd up π
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YAY, another #1 πππ! Although if half a dozen makes you the top purchaser it doesn't say a great deal about the pasta π³!tudorfan39 said:drum roll pleaseβ¦.!
Hubby thinks he's bought 6 in the whole of 2021!!ΒMortgage start: Β£65,495 (March 2016)
Cleared π§ββοΈπ§ββοΈπ§ββοΈ!!! In 5 years, 1 month andΒ 29 days
Total amount repaid: Β£72,307.03. Β£1.10 repaid for every Β£1.00 borrowed
Finally earning interest instead of paying it!!!4 -
What y'all like? I very rarely go to Sainsbugs... But congrats y'allAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 Β£202K now Β£172.5K Equity 36.11%
2) Β£1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC Β£26.8K + Lump Sums DB Β£4.6K + (25% of SIPP 1.2K) = 32.6/Β£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum Β£15.8/30K 52.67%)
5) SIPP Β£4.8K updated 13/9/254 -
I mostly buy stuff on offer to be fairβ¦and under the wonderful tutelage of SC I now know to stock up when thereβs a decent nectar points offer too πDebt at LBM (Dec 2018): Β£23,167
Debt free Feb 20216 -
Ha! You are very welcome! I must admit, I really only go there for a) things I can't get from Lidl (ie loose onions and veg gravy granules); and b) things they're offering me points on. I keep telling myself "Top up at Asda more than Sainsbury's" but for some reason it's just not sticking!Mortgage start: Β£65,495 (March 2016)
Cleared π§ββοΈπ§ββοΈπ§ββοΈ!!! In 5 years, 1 month andΒ 29 days
Total amount repaid: Β£72,307.03. Β£1.10 repaid for every Β£1.00 borrowed
Finally earning interest instead of paying it!!!6 -
Totally with you on using Sainsbury's rather than Asda to top up... I would not shop at the Asda here if you paid me. I do go in sometimes, but it's so depressing.... aisles and aisles of carp sold to make the already unhealthy shoppers even more unhealthy and so much plastic!Mortgage free 16/06/2023! Β£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 Hemingway4 -
Wait! If something is x points for buying an item, can I buy multiples for more points?Βastrocytic_kitten said:I mostly buy stuff on offer to be fairβ¦and under the wonderful tutelage of SC I now know to stock up when thereβs a decent nectar points offer too π4 -
Generally, @edinburgher if the offer is for points, you only get them on one of the item, if it's a 'nectar price' on the app, it's unlimited (I'll be clearing the shelves of Roses cordial this weekend!)edinburgher said:
Wait! If something is x points for buying an item, can I buy multiples for more points?Βastrocytic_kitten said:I mostly buy stuff on offer to be fairβ¦and under the wonderful tutelage of SC I now know to stock up when thereβs a decent nectar points offer too π
2014 starting mortgage Β£165,0002015 second charge Β£20,000 - Jan 2021 paid off in fullCurrent outstanding balance - Β£115,8565 -
I've not been able to bring myself to do the Nectar prices thing - I just think I would feel like a complete *rse walking round scanning my own shopping. And whatever happened to just having good prices - why do we now always have to have the (free) loyalty card??? First it was Tesco, then Sainsbury's, now I've had an email from Boots this week saying they're bringing in something similar too. What's the point of a two-tier pricing system when there are no barriers to entry π€·ββοΈ?Mortgage start: Β£65,495 (March 2016)
Cleared π§ββοΈπ§ββοΈπ§ββοΈ!!! In 5 years, 1 month andΒ 29 days
Total amount repaid: Β£72,307.03. Β£1.10 repaid for every Β£1.00 borrowed
Finally earning interest instead of paying it!!!5 -
(I can already feel Vix bristling about all those extra bits of unnecessary plastic in our purses too!)Mortgage start: Β£65,495 (March 2016)
Cleared π§ββοΈπ§ββοΈπ§ββοΈ!!! In 5 years, 1 month andΒ 29 days
Total amount repaid: Β£72,307.03. Β£1.10 repaid for every Β£1.00 borrowed
Finally earning interest instead of paying it!!!5 -
π€£π€£ but I already have all those cards anyway! Itβs much better now things are more app based though. I have done the nectar prices thing - they are good discounts. And you can use your phone rather than a scanner so less a*se like maybe?!Mortgage free 16/06/2023! Β£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 Hemingway4
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