Getting FIREd up 😀

earthgirl2

9.17 years is brilliant. I don't think I could even begin to work it out!! 

South_coast

Thanks, EG! Now I've just got to make it happen 😅!

South_coast

South_coast said:

South_coast said:

South_coast said:

• The LISA is going from Moneybox 4.30% to Plum 4.75%

So the money has gone from Moneybox, but not yet arrived in Plum 😬 It had better turn up soon, that's over £4/day in interest somewhere in the ether!

Hmmm, Plum have messaged me saying they're waiting on Moneybox to send them some information before the transfer can be completed. Where is my money 😬🤷‍♀️?

It's arrived 😅! That's an extra £12/month for about 2 minutes' work (I reckon I've spent longer posting on here about it than I actually spent filling in the request 🤣)

South_coast

South_coast said:

• My niece's money is going from Plum 3.75% to Tembo 4.80% (no, I've never heard of them either, but they were on the MSE best-buy list 🤷‍♀️)

Gone from Plum, so another one on the move....👍

South_coast

Tembo have emailed to say they're dropping the rate - the transfer hasn't even completed yet 🤣🤦‍♀️! Never mind, it'll still be a lot higher than it was before!

South_coast

South_coast said:

South_coast said:

• My niece's money is going from Plum 3.75% to Tembo 4.80% (no, I've never heard of them either, but they were on the MSE best-buy list 🤷‍♀️)

Gone from Plum, so another one on the move....👍

OK, so that's another one complete. Just the last one to go now, which is "my" money

South_coast

First of the month round-up....

• Cards minus savings: £16,568.73 (DOWN £3,001.27)
• Savings for retirement: £132,237.07 (UP £2,838.32)
• 8.94 years to go

Another good month 😀

The final ISA transfer has still not happened. I've had no notification from Chip that they're doing anything, the money is still sat there, and I've heard nothing from Moneybox (where it's going) since 06/06. I have noticed this morning that this month's accrued interest (which was almost £90 and showing as due to be paid on 04/07) is now showing as zero. Not sure whether that's a good sign or a bad one 😬!

Halfway through the year, and the net credit card balance has come down from £33,070.98 on 01/01 to £16,568.73 now, so very nearly halfway. I'm still on track to be fully neutral by the end of the year, but it does seem to be taking forever!

Received a slightly mystifying letter from my current pension company, showing the impact of my increased contributions (I haven't increased them). Think I'll keep an eye on what their website is showing is being paid in for the next couple of months, and if it is indeed more than it was, I'll update my spreadsheet 🤷‍♀️!

£115.12 spent on groceries, but that was partly down to buying things for a picnic and partly the extreme austerity at the end of May meaning I had to buy a whole load of things at the start of June that I had deferred until payday. My first shop after payday was a very small one this time round, so I successfully managed to avoid getting into the same cycle (although I did realise a few days ago that this is a 5-shop month 😬 It's early enough in the month that I still had funds available to pull in from other pots though, so hopefully will be fine!)

South_coast

Hmmmm, that £33.24 I'm short of the halfway mark is really bugging me....🤔

South_coast

OK, so I have pinched it from the petrol budget 😅! So I am now halfway at halfway 😀

(Probably should have looked at my diary first to see how much driving I'm due to be doing before next payday, but never mind 🤣)

edinburgher

8.94 years is wonderful SC, keep keeping on

Are you at all worried by rumoured changes to the ISA regime or do you already have yours filled for the year?