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MFi3 & before I am 40 + my MB journey

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Comments

  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    The spending continues don't know what is up with me it is as if I have spent some so might as well carry on. Two pairs of Ecco shoes £75 about 1/2 price I to be fair I did need them.

    Done my Mystery shop with neigbour wont actually make any money but break even and had a nice meal.

    Bet-at-home were offering €100 so that netted me £70 as I bust out, nice one. (pays for the shoes)

    Last spending for today is a day spa break at the end of October £134 (3 treatments and 2 course lunch) Yes a total treat but something I have always wanted to do so neighbour and I are doing it together. Cannot wait.

    Shall I add up what I have spent this week or just leave it? Think I might just leave it it must be close to £350.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • StuartGMC
    StuartGMC Posts: 2,175 Forumite
    Now TG
    Enough is enough.... :rotfl:
    I'm sure those spends will average out in due course against your clothing and shoes budget, as for the spa, well we all need some quality R&R so enjoy it :D
  • benbenandme
    benbenandme Posts: 12,351 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Tallgirl thankyou for mentioning the betathome offer, I've been on the giol thread loads this weekend but had missed it somehow :rolleyes: I've just signed up and am waiting for my id to be verified before I get going on this one, thanks again ;):D
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Yes the spending will have to stop now and I cannot think of anything else I need now. I do tend to buy my clothes in bulk like in the Long Tall Sally sale or if a seller on ebay has some and I can get a discount on the postage it is worth getting more.

    Working from home today but will need to sort out some appointments for later this week or I shall go mad sitting at home.

    Just to make myself aware of how much I have spent here is the full list:

    Amazon books x 3 £3
    2 x LTS Jeans (new) Ebay £36
    Mango 2 cardigans 1 top £75
    Radley handbag £70
    Ecco shoes x 2 £75
    Spa day £135 (not to be paid until end Oct)
    Golf sweater & tees £47

    Total £441
    Enough said no more speding now.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Just applied for a Citibank - Flexible Saver Issue 6 - which Martin had in his email paying 3.25% it comes with a 2.25% bonus paid monthly and a rate of 1% so should be fine for a while. Mortgage is paid at 1.25% so we have a way to go before it is not worth it even if it is taxable.

    Want to have less sitting around in MB accounts and current as it will hopefully remove any temptation to spend if it is in a savings account. Might then move it to an ISA next year if the rates are worth it.

    Still not had my £50 from Natwest for opening an account last Summer. Once that comes it that account can get closed.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Bit of a horrid morning as my computer got infected by a virus called total security. It is a fake program that wants you to take out a subscription and it will block a lot of things on your computer such as your virus protection. Norton wanted £69 to sort it out and as it is my PC not a work one I would have had to pay that myself.

    Luciky I found the step by step guide on the techie forum and I thin kit is sorted now. Phew.

    Jeans arrived yesterday they are sizze 14 but they fit nicely and if I loose a bit more that will be even better. Definitely dont need size 16 jeans which is nice.

    NatWest has paid out £50 so that is now sorted too. Nice bonus as it was my mums money that was in there most of the time but she was happy for me to have the interest so I put in £100 a month and took most of it out after 7 months but that earned us £56 in 1 year. Good return I would.

    Right PC is now sorted so better get on with some work.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • setmefree2
    setmefree2 Posts: 9,072 Forumite
    Mortgage-free Glee!
    Glad you sorted the virus out - don't you just hate them!
  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Morning long time for me not to update so guess I better now.

    Weekend OK - went to a 60th brithday party which was ok but the birthday boy is a drummer so when he started playing with a band it all got a bit loud and you could not talk so we left. Gategrashed my neighbours Come dine with me party which was nice (all the food had gone mind you).

    Sunday chilled out, did not even do the garden was a bit hungover. This week I am only away 1 night so not too bad need to book a hotel though so a bit of cashback hopefully.

    Going to BodyBalance at 10.30 but will need to book loads of appointments as it is my appraisal next week.

    Got 21 pms in my inbox need to update the spreadsheet for MFi3 lets hope we get load. So close now, our motgage is so low now I don;t really mind about it.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Glad to hear you had a good weekend TG :D hope the hangover wasn't too bad on Sunday.
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Not a lot of news now have 28 PMs to update the chart with. So cool Martin mentioned MFi3 on his weekly email.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

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