10 years to clear £334K - our FIRE journey

CCW007

Posted on Edinburghers diary but wanted to add to my comment without taking over.

OH has a money transfer offer from Sainsbugs at no fee 0% for a year.  This week we have cleared the remainder of the last BT where the 0% was due to expire next Monday on that CC so have really had the most benefit.  Now we will MT the max and then use it to pay the majority off the cost of the kitchen installed last year which we stuck on 0% for a year to stooze the money in a cash ISA at 5% (although this rate has dropped slightly over the year).  Will need to draw down the balance of the kitchen money from savings but will keep most of it in the ISA for another year.  All rather complicated but we are getting around £300 a month in interest from the ISAs so well worth it.

In other good news, the chap who owns the field round our house was out cutting hedges yesterday so we asked him to do the outside and top ours (1/3 acre surrounded by hedge) we offered to pay him but he won't take any money for it.  Will drop off a couple of bottles of wine over the weekend instead.  Has made a massive difference to our view and the light getting into the garden / house.  Now need to do the inside but now it feels much more manageable with the top done. 

CCW007

Hit YG pay out - woo hoo!

South_coast

Nice one, that one always feels like a proper amount of money!

savingholmes

How lovely of the hedge cutter. Sounds like it really benefitted you. 

I feel you on the wanting a miraculous money pot... 

Alchemilla

CCW007 said:

Posted on Edinburghers diary but wanted to add to my comment without taking over.

OH has a money transfer offer from Sainsbugs at no fee 0% for a year.  This week we have cleared the remainder of the last BT where the 0% was due to expire next Monday on that CC so have really had the most benefit.  Now we will MT the max and then use it to pay the majority off the cost of the kitchen installed last year which we stuck on 0% for a year to stooze the money in a cash ISA at 5% (although this rate has dropped slightly over the year).  Will need to draw down the balance of the kitchen money from savings but will keep most of it in the ISA for another year.  All rather complicated but we are getting around £300 a month in interest from the ISAs so well worth it.

In other good news, the chap who owns the field round our house was out cutting hedges yesterday so we asked him to do the outside and top ours (1/3 acre surrounded by hedge) we offered to pay him but he won't take any money for it.  Will drop off a couple of bottles of wine over the weekend instead.  Has made a massive difference to our view and the light getting into the garden / house.  Now need to do the inside but now it feels much more manageable with the top done. 

Fab about the hedge cutting. Ours cost £180

CCW007

We would have been happy to (and expected to) pay that but even happier keeping the £££ in our bank!

£45 from FBMP sales - got more to list.  More wood splitting done today, back now knows all about it.  FIF almost at £200. 

Supposed to go to a gig this week but it was cancelled on the day.  New date has been arranged but OH not so keen as it's 15 months away, debating whether to cancel given tickets were expensive.  In the meantime we have plenty of live music coming up. 

6 days to payday - should be a reasonable increase in savings this month.

CCW007

Have to say, this is the only time of year I regret not having a TV licence.  Listening to rugby on the radio is not the same!

CCW007

Test of will power - I have decided to only cash out weekly on a Friday.  Forgot and withdrew £15 from eB@y but early days.  Have now hit payout on PA and got itchy fingers to withdraw!  Can I hold on until Friday?

£15 FBMP sale. 

edinburgher

You can do it - I'm trying to only cash out monthly for the first time ever and it is torture! 

savingholmes

Why would you wait to cash out? Do you get a bonus? If not I'd cash out frequently as in the past I've had cashback sites go bust and lost £.