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An in-between phase

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  • Oh well done on the fantastic win! 
    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

  • KajiKita
    KajiKita Posts: 7,476 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Congratulations on the PB win 😊
    And yaay for the mcdough’s tokens again 😉😊

    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: £205 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. 
  • Sun_Addict
    Sun_Addict Posts: 23,964 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wow you do so well with the PB wins, well done 🥳 I’ve had zilch since I started buying them a year ago ☹️
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Well done on PB win. I keep thinking of buying a few. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £410/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  July £58.64

    Decluttering items 748

    Books read    12
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • You've motivated me to start up again with the pbs. I know may be a while before I get a win but it's money I can just forget about for now. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • foxgloves
    foxgloves Posts: 12,533 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Same here, @Sun_Addict. I wonder which of us will be the first to get into ERNIE's good books. 
    F
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (29/100)

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • Woken up in the middle of the night by period pains.
    Wisdom tooth wobbly.
    Exhausted and sore.
    So not a very productive day but managed:

    Tidying
    Admin
    Comping

    Chased hospital trust

    Entered some competitions, today I'm mostly looking forward to winning a 1.5k Sainsers voucher but a three night countryside stay would be lovely

    Also entered some competitions by post and did a 35 minute walk

    And that is my lot for today! Mr PIP is using up the rest of the spuds and making us wedges with omelette for dinner, and I am going to sit on my backside with a glass of wine and moan 😁
  • Slept without being woken by period pains, hurrah.

    Hospital trust got back and said as I'd sent bank details they'd transfer it instead of sending a cheque, which is a relief (if they actually do it) but still p*ssed me off that their standard procedure, after a three year complaints process and them then missing the deadline to pay, was to choose to add another couple of weeks on. Anyway, hopefully they'll sort it this time...

    Ignoring wobbly wisdom tooth as I simply do not have the mental bandwidth available to deal with it.


    Tidying
    Admin
    Half wussy situps
    Shower and hairwash
    Comping

    My spider plant is flowering, which apparently is reasonably rare and means they're very happy, so I'm a proud plant mama 😁

    Laundry
    25 min walk, found 2p and four McMo tokens

    Receipt survey
    30 minute carpet walk

    Since I've been very good at not spending money this week, 20 minute walk taking myself to local pub garden on the condition I do some spec work while there! Blissful solitude and nice saying hello to pub mates and I did do some work.

    Cashed in a survey points doodah for a £5 Sainsers voucher so will get us their pizza deal for our Friday night dinner

    Hope everyone has a good Friday evening, and if you're not looking forward to it, spend the time working out how to turf the aspect that is vampiring joy from your life (unless it's dealing with a council planning department, in which case have a large glass of wine and try very hard not to graffiti your grievances on the town hall)

  • Sun_Addict
    Sun_Addict Posts: 23,964 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh blooming ‘eck 😞

    I had a cactus that flowered which was rare apparently. It was around 35 years old at the time and originally belonged to Mr SA’s grandfather. We still have its offspring. 

    I think in my case it’s Mr SA vampiring joy from my life. Unfortunately no solution to that 🙁
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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