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Ding! Ding! All change, please... (now replaced with new diary on MFW)
Comments
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I like Co-op points and vouchers. They never seem very much, but when you add it all up over a couple of months, it all helps. Yesterday I bought a bar of dark chocolate, which I was going to buy anyway, on offer from £1.85 to £1.50, Then I got a 25p voucher for it and 6p to spend in points! Result!Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,964
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £730/£3000
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Fiver Friday '25 #10 £5
Studies/surveys June £102.64
Decluttering items 724
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
EH - thanks for pointing out the c0-0p tip! - Have logged on to find a 1pound off coupon as well as another 1.13 in points - our nearest store is a 3 minute drive away (walking suspended atm) - 27p will replenish our milk and tea biscuits4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 15 YEARS 2 MONTHS LEFT OF 20 YEARS (reduced by 13 mths)Psst...I may have started a diary!3
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Totally with you on it being too cold to cycle without gloves! Forgot to put them on briefly at one point on my journey - soon had to pull over to remedy the situation!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 Hemingway4 -
We love C**p points too. Our local C**p shops are part of a regional one, so do not use the mainstream dividend card, as they have their own card & scheme. We saved all our loyalty points up for Christmas last year, as we knew we'd be hosting & by the time they'd added our annual dividend bonus points in November, we'd got sufficient to buy several items from our festive food & drink list, including all the wine & beer. We do have a national card too for when we are on holiday or in another part of the county. Oddly, we don't live in the county which runs the scheme/regional shops, we are over the border, but apparently this is a longstanding historic thing. I'm not bothered, apart from the fact that I'd like one or two larger branches.
A few years ago, I won a competition they ran in one of their instore magazines. I had to choose 3 food items which commonly get wasted & invent a recipe for using them up to avoid food waste. I won a £50 shopping voucher. Won another one last year from doing the customer survey survey they promote on their till receipts. I like the fact that they are big on fair trade & also stock a range of local produce - that's how we discovered Mr Huda....& have never been without a jar of his universal CP in the fridge ever since!
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (29/100)
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)7 -
Yes, I didn't know about these Co-op vouchers either. The one round the corner from me has closed sadly, but there is another small one in town. I need to drive to it, but its only a mile or two, so would be worth it if the vouchers are good.Live the good life where you have been planted.
Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary4 -
No co-op here sadly.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.4 -
Our co op has been replaced by a Nisa and it always looks as if it needs a good clean. I did however get £1.50 off if I spent £20 in M@rrisons this week and I’ve got another 3 for the weeks leading up to Easter 👍January spends - £587.584
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The App only works for some parts of the co op, sadly not in my village one. Envious of the offersMy mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo4 -
Happy International Women's Day all - or as I called it on Twitter this morning "International Huh well when is international Men's Day then? Day!" Maybe the message is getting through though as I haven't yet seen ANYONE asking that question this year!
Lovely visitors and co-op chat - glad I've raised a bit of awareness about the offers on the app too! (And yes - the app is only for the big national co-op chain rather than the local or regional ones - the ones near us and most of those we use are national ones handily enough!) Milann I'm a bit of a snob about the Nisa type stores I'm afraid - too often they seem to be a bit...ummm...grubby!Cheery I definitely reckon it's worth keeping an eye on the app for when you ARE nearer to one - and particularly if you can use it to buy stuff that you would have been buying anyway, for pennies!
Foxgloves - come on then, what were your foodstuffs and your recipe?!
Remembered my gloves today TMV but still declined to cycle as it was sleeting when we parked up - regular viewers will be aware of my aversion to cycling in the rain (I'm a wuss!), and I decided sleet was even worse, so shanks' pony was employed once again. I might go out for a walk at lunchtime - but then again I might not as it's still grey and miserable and keeps trying to sleet/snow.
A nice unexpected bonus last night as Mum dropped £500 into my bank in respect of another bit of my great Aunt's estate which has now been sorted - honestly, it keeps coming! Definitely not complaining and have now stashed it safely in to my highest interest instant access account. I need to commit and buy the flipping camera and the adapter that is needed for it - I really can't keep putting it off if I want to be used to it ready for the start of the new airshow season - but I'm so convinced that the price will drop as soon as I commit...! Sigh! I also need to commit and get some airshow bookings sorted - I want to d Shuttleworth's first one as a group of pals are looking to go too, and I must get my Air tattoo tickets booked as well before all three days prices go up to full rate! Those will come from my separate budget pot for all things airshow though.
My car passed the MoT straight off, and Neil has apparently done a bit of a general eye over her and topped up levels on a few things so all good - I'll get back the car and get the invoice tomorrow but it sounds as though it should be very reasonable, and definitely well inside the amount I have stashed in the "offshoot" car account.
And - in the biggest news of the day - we have a viewing on the flat on Saturday, so if people could renew the crossing of fingers and good vibes flowing our way that would be perfect. Desperately hoping that this one does the trick and we get a taker! We're confident that the pricing we now have will at the least let people open a dialogue, and we will be getting it to full on clean and shiny level again over the next few days so it really comes down to the requirements of the planned viewers, I think - at least there is a sign of interest though!
I think that's about it for now - banks checked and all good, and a little survey action this morning with a few from OnePoll and a £2 payment confirmed on a prolific one.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her12 -
All fingers and toes crossed for you.
You only need that one person to be interested5
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