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Getting FIREd up 😀
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A perfect day indeed!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#latest3 -
Apart from quite a bit of gardening (for me) and no runs (except for Mr MV), that sounds very similar to my weekend - down to the fried egg sandwich. Pity about the work thing today!Mortgage free 16/06/2023! £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 -
Pity about the work thing every day, Vix 🤣! Still, hopefully only 11 more years of it - although we will see what the figures say on Friday 😬!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!!!3 -
Well, yes, fair point... but it's worse when it's been a lovely few days without work!
Mortgage free 16/06/2023! £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 Hemingway3 -
I somehow managed to lose your diary SC and was wondering where you were! Fortunately I've found you again, just in time to see you mentioning gentleman's appendages 😂
You sound like you're on an excellent roll of mse-ing, good work!3 -
SC's diary always delivers 😀😀😀PennysIntoPounds said:Fortunately I've found you again, just in time to see you mentioning gentleman's appendages 😂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!!!4 -
Gah, one of the cards I paid manually by debit card has still had the direct debit taken, so I've essentially paid it twice this month! Not the end of the world, but that one doesn't expire until January 2026 so wasn't meant to be getting any additional payments yet.
May cancel the direct debit....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!!!3 -
Decision made, I have cancelled all the direct debits to the cards. Now just need to hope I don't end up in a coma, or something....😬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!!!2 -
Well I hope not! I don’t have direct debits for any of my credit cards - just pay them as part of my bi-monthly money shuffles. I check them at least twice a week, so I’m unlikely to forget their existence! Not having a fixed income, I don’t like to automate stuff in case I don’t get around to paying myself on time and then end up overdrawn.South_coast said:Decision made, I have cancelled all the direct debits to the cards. Now just need to hope I don't end up in a coma, or something....😬Mortgage free 16/06/2023! £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 Hemingway3 -
First of the month round-up….
Ditched the “Extra £50s” focus and decided to pay straight off the cards instead. Somehow feels much more sexy to be paying off than saving up 🤷♀️🤣 Also means far less faffing about updating my spreadsheet 👍
Moved my ISA savings from 1.2% to 4.84% and my LISA savings from 3.3% to 5.0%. Extra money for SC every single day, for virtually no effort 😀😀😀
Rediscovered my Prolific mojo and cashed out £37.63 during the course of the month
Actually, have rediscovered my everything mojo, and feel generally a lot more motivated in life 👍
Daily interest on cash: £8.56 (UP £2.39)
Owed on 0% credit: £45,255.83 (DOWN £2722.22)
0% payoff fund: £10,199.94 (DOWN £1021.97)
Need to raise: £35,055.89 (DOWN £1700.25)
Savings for retirement £118,052.00 (UP £2289.48)
10.86 years to go…
Back under 11 years 🥳🥳🥳!
Very happy with that for a month's progress (we'll gloss over the fact that not even the current cards are now offering me a balance transfer 😬 The first one isn't due until April, so plenty of time for that to change - I just need to stop checking 🤦♀️)
Now, where to find a spare £35k….🤔
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!!!6
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