Pinching Pennies
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Pinching Pennies
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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!1
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Ouch to the early start.
Well done on the sales.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K with now £177.2K Equity 31.84%
2) CC1 £12.1 (0% expires Aug 26), CC2 £9.7 (0% expires Aug 25) =c£21.8K
3) CC debt offset by £21.3K savings & £10.2K investments
3) Mortgage neutral by 06/30 (AVC £17.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 23.6/£127.5K target 18.5% value 12/2/25
4) FI Age 60 income target £13.7/30K 45.7%
5) SIPP £4.8K 12/2/25
6) Set up new income streams: Start up costs £3701 -
The garden looks lovely 🙂.paydbx2025 #26 £590/£5000 . Mortgage start £148k June 23 - now £139k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 172 -
NSD today - which is a first for me on an early shift as I almost always give in to a costa!!MSE:
- refund from clothes I sent back is on its way.
- took lunch/snacks and a drink to work to prevent me from spending
- picked up an extra shift in a couple of weeks time
- did a few surveys today, still waiting for pending transactions but what’s there will net me around £13Not MSE:
- kitty desperately needs some more litter so will need to pop out on Friday! hoping to get some wood pellets from P@H but not sure whether they’ll be in stock..
- one of the payments that I owe (£1200) was for a gaming PC. I bought it with the intention of paying it back when I get my student loan which isn’t the smartest idea I’ve had. Anyway, the PC broke after a few weeks so it’s been in for repairs and I just got it back this afternoon. Spending my evening redownloading all of my games. Fun!In other news…
Toddy made it to the MSE blog 🥹I was laughing as I took a hilarious photo of him the other night during zoomies/playtime before bed. If I could put these two photos together I’d label it “insta vs reality” 🤣12 -
Love the photoAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K with now £177.2K Equity 31.84%
2) CC1 £12.1 (0% expires Aug 26), CC2 £9.7 (0% expires Aug 25) =c£21.8K
3) CC debt offset by £21.3K savings & £10.2K investments
3) Mortgage neutral by 06/30 (AVC £17.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 23.6/£127.5K target 18.5% value 12/2/25
4) FI Age 60 income target £13.7/30K 45.7%
5) SIPP £4.8K 12/2/25
6) Set up new income streams: Start up costs £3701 -
Such a wee cutie pieI 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.2 -
beanielou said:Such a wee cutie pie
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.1 -
Good luck with the interview. Sounds exciting.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K with now £177.2K Equity 31.84%
2) CC1 £12.1 (0% expires Aug 26), CC2 £9.7 (0% expires Aug 25) =c£21.8K
3) CC debt offset by £21.3K savings & £10.2K investments
3) Mortgage neutral by 06/30 (AVC £17.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 23.6/£127.5K target 18.5% value 12/2/25
4) FI Age 60 income target £13.7/30K 45.7%
5) SIPP £4.8K 12/2/25
6) Set up new income streams: Start up costs £3701 -
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.2 -
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)1
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