Getting FIREd up 😀

ruby_eskimo

If it makes you feel any better, 11 years is only 132 more paydays away.

Here's hoping with the ISA transfer that you can keep the momentum going - you've achieved so much more than most people by being mortgage free, don't lose sight of that.

South_coast

Awwww, thank you 😍 TBH, I do definitely lose sight of that, partly because it was now so long ago (40 paydays) that it seems like bit of a distant memory, and partly because all I can see now is DEBT, DEBT, DEBT 😳 But I do keep trying to remind myself that it's not costing me anything right now to have that debt, and that I'm making a conscious decision not to pay it all off as fast as I can, as I want to keep investing and saving for other things alongside it. It's just a very scary headline number though!

In the meantime, the ISA interest has landed and was £434.21, so that's an excellent 8.7x £50s to kick me off for October 😀 (Slightly more concerningly, it seems to have disappeared from my online banking, but I'm telling myself that's because Santander have received the transfer request and are processing it super-efficiently 🤷‍♀️😬?)

South_coast

The ISA transfer is complete 😯!!! I had no idea it would be that fast - it said 15 working days! 

That account now earning £2.76 a day 😀

South_coast

Ate a box of jaffa cakes after work and then struggled to manage my (home-made and extremely delicious) pizza 🤦‍♀️🤦‍♀️🤦‍♀️ Now feeling very full. Silly SC 🙁

South_coast

And Prolific is meant to be the sensible one 🤦‍♀️

Jessy103

South_coast said:

Ate a box of jaffa cakes after work and then struggled to manage my (home-made and extremely delicious) pizza 🤦‍♀️🤦‍♀️🤦‍♀️ Now feeling very full. Silly SC 🙁

Jaffa cakes are like pringles, once you pop, you can't stop!

South_coast

Indeed, and they come in those pesky 12-packs....😳

LadyWithAPlan

I am the same with gf ginger biscuits … and haribo and all crisps .. hence why my slow carb diet is working wonders as I only have one cheat day a week which I enjoy but actually happy always to get back to eating my beans and clean - as I do tend to eat a bit of everything on cheat day and can feel too full 

South_coast

So Sainsbury's Bank have messaged me this morning to say they have reduced my credit limit from £2100 (already pretty low) to £100 - with immediate effect 😯 I'm not sure what I've done to earn this slight (except, oh have an account with them for 11 years and never paid them a penny in interest 😀), but it would seem they don't want me as a customer any more!

Not great timing, as all my other cards are pretty-well maxed-out and no-one else will offer me anything (despite my glowing credit report!), and I pay for EVERYTHING by credit card (still have some things to buy as well), but a £100 limit is not workable so it has to go! Need to have a ponder about how I pay for things now, as that's the one I've actually been using for my everyday spending 🤔!

TallGirl

South Coast that does sound a bit strange I would check your credit reports just in case something strange is on them aka searches or something. I do know if you are close to the max on cards that is a big red flag for lenders so that could be the reason.