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  • themadvix
    themadvix Posts: 9,743 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic

    Definitely best to use things up rather than let them go to waste! Not a cheapskate at all!

    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 Hemingway


  • South_coast
    South_coast Posts: 6,653 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic

    Free is my favourite price 😀! And it's not like you're scraping it off her body and re-using it, now that would be cheap 😬

    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Mrs_Money_Penny
    Mrs_Money_Penny Posts: 1,386 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic

    Definitely have it especially sanctuary 😀

    2026 Decluttering 6861⭐️⭐️⭐️⭐️⭐️
    2025 Decluttering 17207⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
    2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,999 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Um you're in the right place to be confessing to taking others stuff for free 🤣 I doubt anyone here would call you a cheapskate and I suspect we'd have all said yes. 🤭🤣

    Emergency Fund - £1000 
    Baby cash emergency fund £210/250 
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 24/24

  • themadvix
    themadvix Posts: 9,743 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic

    Jessy, if you don’t want to go down the SIPP route for your self-employed pension, you can open a Nest pension or a PensionBee one as a self-employed person - you add contributions and they reclaim the tax from the government and add it to your pot - fees are not as low as a SIPP could be, but comparable with a workplace pension. Worth taking a look at (there might be other similar options too, but these both come out well).

    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 Hemingway


  • South_coast
    South_coast Posts: 6,653 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • beanielou
    beanielou Posts: 101,203 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Glad you got paid.

    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 13 months left.
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