Getting FIREd up 😀

edinburgher

Is 95p that bad for a bag of kale? 🤷🏻‍♂️

Suspect my grocery bill would give most MFWers heart failure. Gives me heart failure... 

QueenJess

edinburgher said:

Is 95p that bad for a bag of kale? 🤷🏻‍♂️

Suspect my grocery bill would give most MFWers heart failure. Gives me heart failure... 

Mine is probably twice that price as it’s got an organic hike! Whatever people are saying is inflation definitely factors in items with less inflation that I am not buying… my food bill is going up far faster.

But @SouthCoast is the resident kale expert so if 95p is bad, then I concur 😆

edinburgher

I love kale but am a lone voice in our house. Suppose it's because it's bitter and has all the textural joy of chewing a rattan sofa 

themadvix

QueenJess it’s definitely more than twice that, but as it’s not in season at the minute I can’t see exactly what. But if you’re buying fresh SC, that might be why it’s gone up - it’ll be having to be brought in at the moment as it’s the hungry gap. Not that I think that’s that much either…

South_coast

QueenJess said:

But @SouthCoast is the resident kale expert so if 95p is bad, then I concur 😆

Love this 🤣!

In the interests of research, I have gone back through my receipts on the app (starting December 2020, I had no idea it had been going that long!), and these are the costs at 6-monthly intervals: 

April 21: 63p

October 21: 63p

April 22: 79p

October 22: 79p

April 23: 79p

October 23: 69p*

April 24: 79p

October 24: 85p

April 25: 95p

So it's up 50% in 4 years, but 10p of that is in the last 6 months, so is probably why it was a bit of a shock!

* I thought this might have been an offer, but it was the same price all month 🤷‍♀️

South_coast

BTW Vix, I hadn't actually considered seasonality (I guess that's first-world privilege, or we could be a bit more kind and say it's just because I'm not a gardener). I'm sure it's from the UK, though 🤔 Will check the bag when I get home and report back (currently at BF's)

South_coast

In other news, I've just applied for a new credit card 😳! 

It absolutely was not the plan, but my monthly Clearscore report came in and, to flatter my vanity about starting to be eligible for credit again after it fell off a cliff, I had a look at their pre-approved offers. Long story short, I've got a 12-month balance transfer with a zero fee - this is the kind of debt I don't mind carrying!

Bonus point #1: The eligibility checker said I would have a £5k limit, but when I clicked through to their website it was actually £8.5k

Bonus point #2: The minimum payments are only 1% of the balance

So, all being well, just over £8k should shortly be moving from the July card (2.5% minimum payments). The plan is 100% still to be debt-neutral by the end of the year, but this will massively improve my cashflow, as clearing the July card on time was going to take a lot of borrowing against other pots - £9k being considerably more than I can rustle up between now and then! It will push the debt-free date back by about 5 weeks, but once I'm fully neutral and it's earning interest in the bank, I will consider it job done anyway 👍😀

edinburgher

Thanks for that SC, I've just checked as I need a new card in a month to move a small balance. Spanish bank offering 15 mths 0% with no fee

South_coast

Nice one, Ed. That wasn't on my pre-approved list (ironic, after I banked with them for 11 years, but let's not forget they pulled my overdraft!), so this one is with NatWest 👍

South_coast

Right, back to kale chat....

So, last week's bag was indeed from the UK. This week's bag was from....Spain 🇪🇸 

I would not have guessed that!