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An in-between phase

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  • KajiKita
    KajiKita Posts: 7,736 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hugs for the tough day and the grumps x You’ve still been properly productive 😊

    Do you have a wheelie suitcase? I find they make a huge difference. 
    Also, maybe, perhaps, if you are that sore, you could use some of your PiP funds to get you all / some of the way across London with some help from a taxi driver? 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,736 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    It’s always a balance of cost versus benefit versus complexity. There will be different decisions each time 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Cut a postcard to 3x5 size. In your face, pedantic promoter 😁
    These new stamps with QR codes no-one wants or uses take up so much bloody space!

    Today's things:

    Tidying
    Admin
    Comping (it's in my good books now 😁)

    Omaze flash draw entered by postcard at 830am before postbox collection at 9am like an absolute winner

    Brunch using up non manky bits of a manky pepper

    Shower and hairwash

    Fourth attempt lucky for printing some stuff for mum!

    Got some extra life out of my nail varnish by adding nail varnish remover to it

    Entered some competitions, today I'm mostly looking forward to winning a year's worth of wine- and finding out what they think a year's worth of wine is...

    Have successfully manoeuvred myself and the suitcase over to Mr PIPs, gave myself extra time to force myself to be cool and not rush, and made a concerted effort not to involve the dodgier shoulder despite instinct trying to swap over to that arm. It's still not at all happy but at least it's not much worse!

    Travelled outside of peak times to save a couple of quid.
    Met a mate for a beer and made sure to use the cash in my wallet so that the thin remainder of the card budget limps on to face another day

    Did get three of my cleansers while near the supermarket near Mr PIPs that Trolley shows is doing them cheapest, prices ain't going down are they. Used 2.50 of nectar points to bring the impact on monthly budget down which I do feel a bit bad about as nectar points are the nearest I get to a Christmas pot, but everything is going to go up more by December so I'm okay with my choice.
    And I did do a nectar survey yesterday and they are the worst of all the awful surveys so I feel like I paid it back in penance if not money 😁
    Will try to do some more of their truly p*ss-take surveys to build up more points over the year, and take a couple of quid off the next few weeks budget to cover the spend

    Hope everyone is having as nice as possible Friday evening x
  • beanielou
    beanielou Posts: 95,607 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    A years supply of wine is surely 365 bottles  :grin:

    Good news that the shoulder is no worse.
    Enjoy your weekend.
    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.
  • South_coast
    South_coast Posts: 5,885 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I hear you on the Nectar surveys. Even the thought of them is making me shudder 😬
    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!!!
  • Watty1
    Watty1 Posts: 6,845 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    beanielou said:
    A years supply of wine is surely 365 bottles  :grin:

    Good news that the shoulder is no worse.
    Enjoy your weekend.
    Surely more? For sharing with friends at weekly dinner parties for say 8 to 10? :)

    Enjoy your weekend


    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Today doesn't sound like a productive day but all day has been spent chipping away at the things in the diary!

    Opinium and co-op and attempt at nectar surveys in bed, like an opulent albeit skint Lady of Mansion 75p

    Tidying
    Admin
    Receipt survey
    Y survey
    Comping

    Bits and bobs off the to-do list including an eBay listing

    25 minute carpet walk looking at the crossword

    Focusing on getting f&v in
    Prepped pasta sauce for dinner (several portions of f&v!)

    15 minute carpet walk reading

    20 minute walk getting vitamins from cheapest place (Savers, by miles) then met a friend for a beer and a moan about how long my joints are being sh*t for and how long build consents from council are taking.

    Mr PIP did some good yellow-stickering in M&S including a fancy pizza that can go in the freezer for the next time I'm here. Really must make sure to schedule that being a fair bit, other than wanting to make the most of being in this area and seeing pals, we need to do some thorough sort-outs before moving!

    The pasta sauce smells lovely so time for a glass of red wine while Mr PIP does the pasta, and will do some reading with dinner of a previously unread book of mine, so if it's rubbish that's a good thing to not move with us unnecessarily!

    Have a great Saturday evening you lovely lot x

  • Sun_Addict
    Sun_Addict Posts: 24,078 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your pasta and wine 🍷 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • doingitanyway
    doingitanyway Posts: 9,976 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Leg pelvic situation sounds terrible! Ouch. Sorry to hear it. 
    Cauli cheese and Cava sounds like a 'winning' combination  :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
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