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Getting FIREd up 😀

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  • QueenJess
    QueenJess Posts: 4,523 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    So, this weekend's money-saving/making actions were:
    * Bought petrol at the garage half a mile from Sainsbury's for 3p less per litre. It's an Esso, so I even still get Nectar points
    * Dropped off a Ziffit parcel of some old books and DVD's. It's mostly not my stuff any more, but I have a box of items from family/BF which I will happily spend my time putting through if it means I can tack a couple of my items on, as mine don't amount to enough for the minimum trade values any more 😳 There will be a whopping 20p coming my way when that pays out 🥳!
    * Needed some seeds to use in my milkshakes,  so went onto eBay. Got 1.8kg for £14.55, as opposed to the 225g for £4.00 that they would have been from Sainsbury's (making 1.8kg £32.04 😮!) Went via ZipZero and TopCashBack, so will fingers-crossed get cashback from both. Also got 14 Nectar points from eBay 🥳!
    * Needed something from Boots, added some duplicates to get the order value up to £25 for 250 Advantage Card points, plus an extra 50 points for replacing something I I'll need soon from their own-brand skincare range, so 300 points (£3) earned in total. Again, went via ZipZero and TopCashBack, so hopefully some cashback there too. Ordered for click and collect, so I don't have to be home for delivery but still get the cashback 👍
    * All shopping paid for with my credit card (as per), which also earns me Nectar points! Has already been paid off from the monthly pots, so no lingering balance on there any more
    * All receipts snapped into Shoppix, Storewards and Huyu. Email receipts for online shopping forwarded to Shoppix as well
    * Consumer Pulse and Shop & Scan both done
    * 85p survey on Prolific done
    * Got halfway through a Panelbase survey but it crashed, so have sent them a message about that

    Looking at the above, I can see that having a bit of money does open up more opportunities to save. If I'd only had the £4, then I'd have needed to pay the inflated price for the seeds, and if I'd only had the £5 for the item I actually needed from Boots then that's all I would have bought. I wouldn't have spent enough to have qualified for click and collect, so I'd have missed out on the cashback opportunities, plus the extra points for buying things I know I'll need in the future and have room to store. Not sure what the answer is to that 🤔 so I'll leave it as an observation for now!
    It’s that commander vimes quote again from Terry Pratchet’s Discworld. I do love it when you can get a multitude of different discounts rammed into one order. Boots is good for being able to do that.
    2025 decluttering: 4,019 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟
    2025 use up challenge: 345🥉🥈🥇💎🏆
    Big kitchen declutter challenge 114/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • QueenJess said:
    It’s that commander vimes quote again from Terry Pratchet’s Discworld. I do love it when you can get a multitude of different discounts rammed into one order. Boots is good for being able to do that.
    The Body Shop are also another one that always has an offer code, plus discounts for us public sector workers too 👍.  
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • Pension statement received this week (this is the one from old job, so nothing going into it). Performance from 01/04/21-31/03/22 (no idea why it's taken them almost 6 months to provide the statement 🤷‍♀️): +£2,612.30. Predicted performance over the next 26 years: +£8,180.89!

    It's a good job my figures are worked out on zero growth (but also zero inflation 😳)!
    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!!!
  • I wonder if I can count "Ignored the ironing, as there were only 3 things and I didn't want to put the iron on" as a money-saving activity 🤔? It's actually 100% down to me being boneidle, but it sounds plausible enough to get away with 🤣!
    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!!!
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I must save loads then as I never iron!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • I must save loads then as I never iron!
    Same here!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
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