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Getting FIREd up 😀

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  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    You have my sympathies, we need new pillows. I have tried a few times to decide which to buy there is so much choice:
      Sleep position 
      Firmness 
      Size
      Filling material 
      Cover material 
      Price
    I just want some comfortable pillows.

    Todocama aloe Vera memory pillows are amazing - used them in an Airbnb and we were so impressed the new chap bought some 

    I love vintage furniture but more side boards as they are often better made than new rather than things with bed bugs! Ugh 

    SC a tog is a weight/heat measure so the more togs the warmer it will be 
    £70 is a decent amount for Argos 
    I have some Barb reward points - exchanged £25 at Xmas for M&S but am stocking  up again for when i finally buy 

    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
  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sorry South coast for hijacking you diary and making it about my pillows - just think of it as research for the future 😁

    Thank you everyone for your recommendations as TMV says pillow preferences are very subjective, I know I don't want memory foam as I have tried it a few times when staying with friends and it's not for me. I'm currently leaning towards feather and or down.
    Fashion 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 family 
  • South_coast
    South_coast Posts: 5,886 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Hijack away, it saves me having to think about my own decisions 🤣! 

    Also distracts my attention from the fact the straps on my prettiest bra have just completely disintegrated in the wash 😱! It would appear the satiny patterned bit was just an outer layer and apparently glued in place. Think that will be a project for my Mum (once it's dry!), she enjoys a good needlework challenge....
    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!!!
  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    My needle challenges go to my Mum as well 🤣 my view is it keeps her busy and stops her getting into trouble 🤭
    Fashion 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 family 
  • South_coast
    South_coast Posts: 5,886 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic

    First of the month round-up….

    • 15.42*x extra £50s this month, coming from Vypr, surveys, interest, some tilly tidies, receipt scanning, but mostly a year's interest on the LISA 🤣! Used them towards the refurb….and the LISA (not a great deal of choice there, as the interest is trapped in there until I'm 60)!

    • Managed to claw back some of March's overspend and more than halved the “debts to self” on payday to £93.09. Had to use my Grand National winnings AND raid the extra £50s pot to even get that close though, which felt worse than not keeping within the budget in the first place 🙁 

    • Was very excited to be able to use a £10-off voucher on something which was £11!

    Feeling a bit gloomy and not entirely sure why. I think it's partly that I have a sore knee so can't go running and am feeling myself getting fatter/less fit with every passing day (I've also spent the first 4 months of 2024 drinking too much and eating too much, both for no apparent reason) - but mostly it's the realisation that even once the refurb is done, I still won't really be getting FIREd up. There will be the rest of the refurb to pay for (going to have to at least use the 0% card - which was obtained specifically for that purpose - and the plan is to make use of 0% credit wherever it's offered to help with the cashflow for things I need to use cash for), so my days of sub £200 monthly bills are over, and then there's still “the other thing” to set money aside for. I save so much, yet it feels like so little is for “me”! Knowing there is still such a slog ahead is sapping my motivation for just about everything - not good when I am trying to come across as driven and inspirational at work, plus would like some extra £50s!

    So - new month, new start!

    10.74 years to go….

    * Random number again, as the interest was inconveniently not deposited as a round £50 🙄🤣

    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!!!
  • edinburgher
    edinburgher Posts: 13,888 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    10.74 years is still fantastic SC, chin up :)

    Kitchen quote is brutal!
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