Getting FIREd up 😀

South_coast

So the first of my fixed-rate ISAs with Santander matures on 1 October - interest rate dropping from 4.25% to 1.2% 😮😮😮!!!

QueenJess

South_coast said:

So the first of my fixed-rate ISAs with Santander matures on 1 October - interest rate dropping from 4.25% to 1.2% 😮😮😮!!!

What?! That’s outrageous!

South_coast

Yep! Fortunately, the Chip ISA I opened in April now accepts transfers in, so as soon as the interest lands I will be starting that process! It's a variable rate, but currently 4.84% so more than I'm getting now, plus it's flexible so I can take money out if I need to. So win-win really 👍 Just a shame being a loyal customer of Santander for 11 years gets me nothing!

South_coast

I'm actually pathetically excited about dropping from 5 savings accounts to 3 once the second ISA matures on 1 January. Been thinking about it all evening - I need to get out more 🤣!

South_coast

This week's New Vista Friday Fun Quiz is 90s themed - I got 10/10 🤣!

South_coast

Only 3 more sleeps until I can start the ISA transfer 🤣!

South_coast

So it's 1 October and the interest hasn't yet been added, but the rate has dropped to 1.2% - a double kick in the b*llocks!

South_coast

😀         

South_coast

First of the month round-up….

• 4x extra £50s this month, coming from TopCashBack, receipt scanning, interest, an energy rebate, surveys, some tilly tidies and Vypr. Used them to clear my monthly overspend, so I didn't go into another month with a big minus figure outstanding

• Used my new iron for the first time and melted the lapel on a work jacket 🤦‍♀️🤦‍♀️🤦‍♀️ Managed to track down an identical one on Vinted for £7.39, so crisis averted

• Got to within £1.12 of my credit limit on one of the 0% cards (a minimum payment of £350+ has since come off the balance, but still….😬). That card now put away for the next few months at least

• Had a week off work and reminded myself this is how I want my life to be

• Returned to work and reminded myself this is how my life has to be - for another 11 years 🙁

• Marked 18 years in my line of work and reminded myself that if I do have to work for another 11 years, I have at least well and truly “broken the back of it”

Daily interest on cash: £6.16

Owed on 0% credit: £47,978.05

0% neutral fund: £11,221.91 (23%)

11.06 years to go….bored of going backwards!

LadyWithAPlan

well done on the quick isa transfer and that cc going down