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An in-between phase

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  • KajiKita
    KajiKita Posts: 7,496 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You’ve reminded me, I need to copy across all the birthdays etc from my 2024 dairy across to my 2025 dairy …. <bustles off> 

    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. 
  • Slowdown
    Slowdown Posts: 615 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    I’ve had a lovely time reading along with you this year PiP. I have my fingers crossed for 2025, that your hopes and dreams come true. I’m convinced the council will have a collective light bulb moment and grant permission for the PiP’s Palace to get underway. 
    Happy New Year for midnight tonight. 🥳
  • Sun_Addict
    Sun_Addict Posts: 23,967 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The Christmas Day take two sounded lovely. 

    I’ve transferred all the pets flea/worming dates into my 2025 diary so far - I know how to live 🤣

    I love the idea of Pip’s Palace 😆
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • January Aims:

    I'd like to say I'll start the new year with vim and vigour, but I quite clearly won't.

    I would also like to say I'll be much healthier, productive, and motivated, but I also quite clearly won't.

    I do rather need to put more effort into steps, and it would be good to attempt an occasional swim, but I simply do not have the energy to stress or challenge myself in any way, shape, or form.

    Must keep up with surveys, comping, and tedious listings. Chatgpt has stolen a lot of mine and my freelance mates work this year so need to be a bit more disciplined and creative with attempting to make a few extra quid here and there.

    It feels a bit like we're on the countdown to not being able to afford to do the build, so need to keep pursuing that but also make peace with it. I despise the council with every fibre of my being, but it's not their blood pressure that's going up so...

    Overall, January aims are:
    Steps
    Work
    Side hustles
    Flat pot
    Approx 130 for Mothers Day pot
    Approx 30 for Easter pot
    Survive through the worst part of winter without going completely feral
  • Survey
    Usuals
    As much flat clean as I could fit in what with it supposedly being bad luck for any washing to occur on new year's day
    Laundry
    Bedding
    A third wussy situps

    40 minute walk with Mr PIP, got a pack of ten Christmas cards for 30p
    Beer and bananagrams in the pub
    Popping over to mums for a drink before dinner.
    I really don't like nye, I'm such a grump.

    But Happy New Year everyone. Thank you for your friendship and support x
  • Slowdown
    Slowdown Posts: 615 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Not a fan of NYE either. Over hyped and meaningless. It’ll be a game or two and a few beers Chez Slowdown ce soir. Probably be in bed by 10.30!
    HNY to one and all. 
  • Sun_Addict
    Sun_Addict Posts: 23,967 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not a fan of NYE either although I was back in the days of being young free and single with the chance of a snog at midnight. I will be in the land of nod long before 2025 arrives. Boo to the AI stealing your work☹️ I sifted job applications recently and a few were obviously compiled using AI - they didn’t make it through 😐
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • KajiKita
    KajiKita Posts: 7,496 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Another not-fan of NYE here too … Can’t wait to see the back of 2024! At least we will have no fireworks noise to contend with out here 😉

    Yes, @sun_addict, AI generated applications or content ‘kill’ potential applicants for me too! 

    Here’s to a wonderful 2025 for you and a toast to PiP’s Palace 😉❤️✨🎉🥳

    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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,280 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    What an 'orrid day out there. Mr PIP braved the shop, I decided steps could wait for another day!

    Usuals
    Entered some competitions, today I'm mostly looking forward to winning a 1k tesco voucher and also some nice toiletries ta

    Entered some competitions by post, I'm very much looking forward to winning absolute wodges of cash please

    A large part of the day was spent transferring info from old diary to new, good to have that all done

    Dinner is mse leftovers of 'our Christmas day' pizza
  • EssexHebridean
    EssexHebridean Posts: 24,421 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wasn’t the weather filthy today? Similarly here - himself trotted round to the shop and I said no ta, and stayed put! 

    I am yet another one who really isn’t a fan of NYE - although it’s only been the last few years I’ve really acknowledged this. 
    🎉 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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