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Getting FIREd up 😀
Comments
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South_coast said: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!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 👑 5003 -
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.
Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20172 -
Right, this week's money-saving/making actions were:
* £4.86 received from TopCashBack. Raised a claim for some cashback that hasn't tracked
* £5.37 received from Prolific. Various surveys completed
* Ordered a pair of leggings at 50% off in the Adidas up-to-40%-off sale (🤷♀️) Since I replaced my hanging-around-at-home clothes at BF's last year I've been thinking about getting some slightly less scruffy bits for my place as well. These would replace some trackie bottoms that BF gave me about 8 years ago because "They're too small for me, they might fit you" As there is at least a 7-stone difference between us, no they don't fit me (yet I have continued to wear them 🤷♀️?) So it feels like it's time to spend the £12.50 to replace them 🤣! TopCashBack had an offer on that should see me get 95p back, which seems crackers on such a small spend, but I'll take it!
* Also ordered a new running top from Amazon, used vouchers earned from Shop & Scan so 0p spend
* Both online orders put through ZipZero, so hoping for a bit of cashback there too. Order confirmations forwarded to Shoppix
* Shop & Scan and Consumer Pulse both done
* Requested a voucher from Consumer Pulse
* Panelbase survey done
* YouGov survey done. This was my favourite question 😀
Think that's it!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!!!5 -
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!!!4 -
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!!!3 -
South_coast said: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 Free November 2018
Early Retired June 20205 -
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 29/7/254 -
savingholmes said:I must save loads then as I never iron!Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20174
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Email from Vanguard today:
Leading with my age is not the way to curry my favour
😱😱😱!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!!!7 -
Definitely not!! 😱😱 And I think the use of ‘late’ just adds insult to injury!!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 Hemingway5
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