Getting FIREd up 😀

edinburgher · 20 December 2025 at 1:22PM

@South_coast - What is the best flexible cash ISA you're aware of at the moment? I've been using T212 but the rate has been cut (as you have seen). Tesco at 4.02% (variable) is the best I can see for a flexible product that allows transfers in.

TallGirl · 20 December 2025 at 1:27PM

Well done that is great news!! Hope you take time to relax over Christmas

South_coast · 20 December 2025 at 3:28PM

Merlin's_Beard said:
It's an inevitable milestone but it's only inevitable because of all your planning, hard work, and commitment, and that persistence is the bit worth celebrating!

You know, you're absolutely right 🤦‍♀️! I think the staying the course mindset is just so ingrained in me, that it never occurs to me that there is a possibility of doing otherwise!

South_coast · 20 December 2025 at 3:30PM

TallGirl said:

Well done that is great news!! Hope you take time to relax over Christmas

Thanks TG 😀 I have a huge Christmas holidays to-do list, but hopefully the break is long enough to allow for some days of sitting on my *rse on the sofa to temper it 😅!

South_coast · 20 December 2025 at 3:33PM

edinburgher said:

@South_coast - What is the best flexible cash ISA you're aware of at the moment? I've been using T212 but the rate has been cut (as you have seen). Tesco at 4.02% (variable) is the best I can see for a flexible product that allows transfers in.

It's a few months since I did my mega shift-around and mine are still on a few bonus rates at the moment, so I'm a bit out of the loop, but I was happy with Chip before I did the move (and crucially, they recognised the existence of pennies!) My everyday cash that moves around at will is in my Monzo ISA at the moment, which is a sub-par rate, but I'm happy to take the hit for the flexibility (while still keeping it out of the grabbing hands of the tax man)

South_coast · 20 December 2025 at 4:37PM

Aaannd that makes a full house....😅

Image: https://us-noi.v-cdn.net/6031891/uploads/editor/8t/syxz2vnsoswi.jpg

OK, so now I have the full amount sitting in savings, I of course don't want to use my hard-saved cash to actually pay the cards off, and instead would like to hang onto it for as long as possible 🤣🤦‍♀️ So the challenge now is to start paying them off with anything coming in via micro-payments, and keep the balances transferring around as long as it is financially prudent to do so. Oh, and repaying all the pots I didn't pay into this year. That lot should keep me out of trouble for a bit 😅!