Pinching Pennies

1356711

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  • One of the dresses I had up on Vinted sold - shipped off and that will net me £8. 

    However, had to fill my car up and bought some snacks which set me back £14.60. 

    Todays plan is to tidy up a bit, sort my portfolio for when I start uni again & have an early night as I start work at 5:30am tomorrow! 
  • savingholmes
    savingholmes Posts: 27,259 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Ouch to the early start.

    Well done on the sales.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • The garden looks lovely 🙂.
    paydbx2024 #2 £480/£5000 . Mortgage £144k start ~ £148k Jun 23 -
    2024 savings challenge £5/£2000
    EF £140. Savings 2 £30.00. Weekly savings envelope #17
  • savingholmes
    savingholmes Posts: 27,259 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Love the photo
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • beanielou
    beanielou Posts: 90,106 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Such a wee cutie pie  :love:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou said:
    Such a wee cutie pie  :love:
    Thank you - ill pass that compliment on to him! Is that your kitty in your profile pic? How cute!! 😍

    Toddy had an upset tummy today and we ran out of litter a day early so had to get some more from P@H. They didn’t have the one I saw (wood pellets, 30L for 7.99) so had to get a different one. Opted for some recycled paper pellets which came to £15, and then I had a 20% off voucher to use too 😊 

    spent £1.34 at work after my shift buying milk, had a discount voucher and my staff discount too.

    £13 has finally cleared through Prolific, so I’ll see if anymore pop up tomorrow and then cash out. 

    1 week today until payday! This feels like the longest month ever. 

    In other news, I have an interview for a possible supply position starting in September. I’m currently studying to be a teacher and working part time in a shop, so if this interview goes well it would be wonderful for my future career. Unfortunately, I’m not sure if there are guaranteed hours or what the pay is like, so I have a lot to think about. Will tally up a pros and cons list after the interview on Tuesday. 
  • savingholmes
    savingholmes Posts: 27,259 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Good luck with the interview. Sounds exciting.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • beanielou
    beanielou Posts: 90,106 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    The cat in my profile is the much missed Mr N who was 20 when I lost him 2 years ago.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Slipped a little over the past few days between buying the final touches for our garden, a trip to Costco and yet another trip to the shop..

    £18.99 for the shop, £100 in Costco, £100 for the garden. Nothing to panic about as my SO and I will be splitting the costs. I also picked up a couple holiday bits that were in the sale which totalled £48. 

    Mums bday tomorrow so will send some money off to her and that will be the last spend until Thursday (aka payday)
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