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  • PennysIntoPounds
    PennysIntoPounds Posts: 4,271 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Much appreciated @Greying_Pilgrim but I still can't see the swear, and I'm a very sweary person 😂

  • rtandon27
    rtandon27 Posts: 5,607 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 6 June at 10:09PM
    FF's = 4 F's sake

    (hope that explains without being too blatant?)
    4 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 - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,271 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Ah-ha @rtandon27, thanks. Not sweary enough for me to recognise as swearing evidently 😂

  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I've finally caught up with you from January!😳😂. Belated silver anniversary congrats and a big Whoppee to the mortgage sliding into five fgures!  You both must be very chuffed!👍
    Re cash - I must say although I pay for nearly everything with my cards I do like to carry a bit of cash on me. I always have a spare tenner stashed away in my purse which is only to be used in extremis!  
    After the recent M&S cyber debacle it made me feel like I should also keep some at home in case the ATMs get hit!  Mind you I did this at the beginning of the lockdown (just in case!) and then nothing happened and I forgot where I hid the cash!  I found it about six months later!  A few local shops have started to only take cards but a couple of small independents have a little notice saying they prefer cash!  And I always find cab drivers like a bit of the real stuff!
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,741 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Spendiness
    - needed to spend in Al's yesterday as used their car park near work...Y/S'd grapes were the obvious buy, but then a bag of jelly beans jumped off the shelf at me as well. Balanced diet...


    Haribo and wine gums have been known to often appear in my shopping basket as well... and once they are home they dont last long...

    Yeah to the £100k mark how great 

    I hadn’t thought about tracking phone changes of prices thru backmkt - I need to upgrade mine soon 

    On the cash debate I got caught out in Europe recently when electricity in the city went down on the day I needed to travel home so needed to get to the airport in another town. I didnt have enough euros to pay the coach, the trains were cancelled, I couldnt' order an uber as all phone/wifi was down... and no cashpoints or card readers were working so couldnt pay for the coach!. I had US Dollars and £ cash but no euros... Luckily my flight was the end of the day and the electric came on all just in time... however never again
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
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