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An in-between phase
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Had to even more than usual drag myself out of bed, the absolute state of that ice.
I've done 10 days of January, that's a fair enough amount, just put it on spring now please
Few surveys
Admin
Tidying
Comping
Shower and hairwash
20 minute walk dropping off soft plastics recycling and getting free papers for crossword
Got a night cream sample and a perfume sample in the post
Carpet walk while having a client call
Popped over to mums with the paper
Entered some competitions, today I'm mostly looking forward to winning 10k
Happy Friday everyone, layer up!
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The ice is atrocious here although the city centre is free of it thankfully. It has been a day of beautiful sunshine though. I just keep thinking it’s February next month and we might start getting a glimpse of spring 🙏I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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Totally agree with having had enough of this serious cold! Apparently it should start to warm up a bit for us in the south over the weekend … 🤞
KKAs 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.1 -
We need to get through the other 60 weeks of January first @Sun_Addict 😁
Why people choose to go on diets or drink no alcohol this month is absolutely beyond me.
It's January. What on earth are you thinking 😂5 -
PennysIntoPounds said:We need to get through the other 60 weeks of January first @Sun_Addict 😁
Why people choose to go on diets or drink no alcohol this month is absolutely beyond me.
It's January. What on earth are you thinking 😂
KKAs 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.1 -
PennysIntoPounds said:We need to get through the other 60 weeks of January first @Sun_Addict 😁
Why people choose to go on diets or drink no alcohol this month is absolutely beyond me.
It's January. What on earth are you thinking 😂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.3 -
Totally agree. Why would you want to deprive yourself in a month when you are asking how much longer can this horrible month go on. The company I used to work for were actually quite clever about this. It was good for peoples motivation & good for the companies pockets. They used to have their Xmas do at the end of January. They used to pay for the hotel for those of us who needed to travel from other divisions. Their excuse was that most of us with long distances to go wouldn't have gone in December because we had other things on. It did make January a much shorter month somehow. Free drinks until the MD left, then the coach for the locals left at 11. My manager could never understand why I barely touched the free hard stuff until then. Well it wasn't me who tried to get the MDs wife into bed.
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@badmemory. That last sentence. Eek.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.0 -
I think it’s the new year new me mindset that’s pushed by the media. I prefer to keep January as a month to reset, relax and reflect. I take time to think about what I want from the year and what I’d like to achieve. When I used to go to WW and gym classes I used to hate January as both places would be packed with over keen newbies. By mid February the majority of them had fallen by the wayside leaving us stalwarts to get on with what we’d been doing all year round 😆I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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The diet industry are well aware that this is their key month for ensuring their profits for the year, thanks to the way we’ve been “coached” to believe that we should be shrinking ourselves, polishing ourselves, or otherwise changing ourselves to fit (mainly) what entitled men want us to be. “Dry January” has a massively negative effect on pubs - although with the increase in people looking at drinking No/Low options that might begin to change a little. We actively make an effort to go to the pub in January to try to offset the quietness at least a little!I do wonder how much all the demands and expectations put in place by the media via various corporate entities contributes to poor mental health in January - as you all said, it’s hard enough without making it worse!That 10k will come in mighty handy when you win it PiP! 😁🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2
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