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An in-between phase

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  • Aw thank you @Blackcats
    Despite all my grumbling and cynicism, I am secretly very pleased with myself for conjuring up a whole 5k out of nowhere 


    Managed to not get woken up by period pains so chuffed with that though felt somewhat shoddy once I did wake up so had a very lazy day. It was a beautiful day for walks, pub gardens, pottering. I did absolutely none of those 😁
    Finished reading Earthly Possessions by Anne Tyler which I really enjoyed then resisted pub and added £10 to my I.O.ME instead. Mr PIP and I had beer in the communal garden here and dinner is a medley of fridge and freezer use-it-ups.

    I also realised that my diary is now a year old! I am still in 'An in-between phase', though not through lack of trying to progress! Very grateful for all the support and advice I've received here, and how many lovely mates I've made. You're good 'uns, thank you for being part of my life.
    But tell me dear friends, does your diary title still reflect your situation/aims? I am fascinated...
  • Sun_Addict
    Sun_Addict Posts: 23,970 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’ve had a few diaries over the years. I think my first one was about 15 years ago. Definitely my current one Progress not Perfection reflects my situation. I’m not aiming to be perfect but as long as I’m progressing that’s good. Keeping a diary on here has definitely helped me get out of debt and changed my mindset for the better. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • redofromstart
    redofromstart Posts: 5,813 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    edited 11 August 2024 at 8:53PM
    Yes, I accidentally tripped and bought a French cheese selection in MrS this morning, despite the general lack of disposable income. Whoops...
  • KajiKita
    KajiKita Posts: 7,503 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    ‘Mortgage free in forever home’ still reflects our aspiration - this is still our forever home 😊 and we are still aiming for ‘mortgage free’!! 😉

    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 = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 36 books of target 52 in 2025, as @ 19th July
    Produce tracker: £223 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. 
  • beanielou
    beanielou Posts: 95,400 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Mine no longer reflects my mortgage free journey as I am MF but I do have a home improvement loan to tackle.
    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.
  • @Sun_Addict your 'not perfect' is everyone else's 'dear lord woman, how on earth do you do so much let alone with the constant trials and tribulations'!

    It was very irresponsible of MrS to leave that cheese selection out for innocent passersby to trip and buy @redofromstart
    Darn shops, with their nice things, that cost money 

    That's so nice it's still your forever home @KajiKita, you work so hard in all areas of your life, and from the glimpses you share with us your amazing garden looks so gorgeous

    I know it was a while ago you became MF @beanielou but I hope you still feel exceedingly pleased, that is such a fantastic position to be in.
    Do you feel that the home has been sufficiently improved?


  • foxgloves
    foxgloves Posts: 12,540 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hi @PiP, Just popping by to say that I think you've done really well to get that £5k together in your flat pot. I think it is a real demonstration of how small amounts add up & that determination re aggregate small gains can result in a useful sum being pulled together. I know you would like it to be more & I know you are one of the very many people hit by utterly insane property price situation in London, but I do think you deserve some credit for your inspiring daily savings habit & not giving up on it, even though sometimes it feels as though you are fighting an uphill battle. 
    It's defo a big cheer from the sidelines from me!
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 5.9kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • WinterWarrior
    WinterWarrior Posts: 6,101 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Going back to the titles…my ‘must try harder’ is very, very valid 😬
    Your flat pot is a real credit to you. 
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Title is as true now as it was then
  • Thanks @foxgloves I appreciate that 😊 

    You always think you're doing badly @WinterWarrior but you only spend your actual money you earned which you're allowed to do if that's your choice! I see you keeping track of what you spent and getting good deals and bulk buys. Do you think you'd be more enthused about saving if you were more enthused about what you were saving for? Garage roof and future car don't seem to be doing it for you satisfaction-wise...
    And thank you for my pot praise *preens a little*

    It is indeed @WelshmansDaughter ❤ You did such a lot to make your Dad's time more comfortable and loving, and now do brilliantly supporting and interacting with other family members even when it gets trying
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