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An in-between phase
Comments
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Hope the pain improves soon.xMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,424....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1200/£3000
.
Studies/surveys January £86.85
Decluttering items 1402/2025. 80/2026
Books read 23 in 2025. 2026- 3 (target is 52)
Jigsaws done 20 in 2025. 2 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Pain pain pain.
Admin, comping, tidying.
Managed a 15 minute walk. Sent omaze entry by post.
Entered some competitions, today I'm mostly looking forward to winning all the cash please
15 minute carpet walk
Few listings
Few receipt surveys
Managed to get a bit more on track with f&v
Dinner is whatever random leftovers are in the freezer
Knackered!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael1 -
P.S. Olioer collected, mot was fine other than windscreen wipers needing replacing, ward councillor meh but hopefully things will start moving in the right direction soon, excavations started and no ancient cursèd ruins found yet (other than me 😁)https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael3 -
Much sympathy on the 'ooh ouch argh!' front.Thought of you in Aldee this afternoon when they had a shelf full of £4 rose pinot Grigio. I resisted. The £3 red would have been more useful here.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo0 -
Wahooo on the MOT and excavations that's good news. I hope your pain eases up for you*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £0
*Total debt - £7000/£11641.17*
Savings
*Sinking Fund - £800/£2500
*Emergency Fund - £1000/£1000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Thanks @redofromstart- funnily enough I was just about to write that their 3.99 rosè wine of the week (reduced from 7.99) is currently being supped and is one of the nicest rosès I've had in years so would definitely recommend!
Cheers @Sarahwithlove, we're very much trying to focus on the positives of getting some build work done rather than needing to pay £16k and possibly not getting to actually build it because the council have been ignoring us for nearly half a decade in total *is chill and fine, is chill and fine* 😏https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael1 -
Ouch 😖 I hope you feel better soon.
quite disappointed there’s no cursed ruins yet…but maybe when it rains a lot? (Ponders the swimming pool on Poltergeist 😬).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/p10 -
Thanks for the sympathy @WinterWarrior, less thanks for THE FEAR 😂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael1 -
Enjoy the rose.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.1 -
Oh ouchy ouch to the pain levels PiP - how rotten, I hope it eases a bit for you soon. (I'd wish it away entirely, but that seems a little optimistic for your world, sadly?)
Morrisons is indeed about the best regular supermarket for beer in my experience too - quite often find good bits and bobs in there although we don't get into their stores as often as we'd like as the fiends have never put a store in our town.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1
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