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An in-between phase

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  • PennysIntoPounds
    PennysIntoPounds Posts: 4,265 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 24 February at 11:17PM
    Wholesome smug medal for you @Blackcats 🏅
  • ladyholly
    ladyholly Posts: 3,910 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I keep forgetting to prepare my overnight oats.  Very annoying.
  • Sallyforth
    Sallyforth Posts: 601 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    My life PennysIntoPounds is so exciting in that tomorrow we’re going to Mr M’s to buy x 3 Flash products reduced to £2.75 each but using the c 3 £1.25 off vouchers will be just £1.50 each. Not only that if I spend x I will get another 1000 More Points worth a pound. You are so kind posting the vouchers and good karma is sent down there.
    Tilly Tidying and
    PADing in 2024 £250.62
    ___________________________________________________________________________________________

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

  • PennysIntoPounds
    PennysIntoPounds Posts: 4,265 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Glad they arrived and in good time too @Sallyforth 😊
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,265 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Three surveys
    Usuals
    Last mince pie got et for breakfast

    25 minute walk dropping off a vinted sale, found a pile of books

    Half wussy situps

    Entered some competitions, today I'm mostly looking forward to winning an Easter hamper

    15 minute carpet walk
    Spec work

    Two receipt surveys
    20 minute carpet walk

    Bit of a kitchen clean before we go away for a couple of days and family friend stays over

    Dinner is something yet to be decided using up ys baby new potatoes.

    It was our much loved friend's funeral today so raising a glass to her too 🍷
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,741 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    You had a mince pie left ? Mine were gone weeks ago 

    hope your friends funeral was not too difficult for you all - 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • KajiKita
    KajiKita Posts: 7,465 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    ladyholly said:
    I keep forgetting to prepare my overnight oats.  Very annoying.
    Could you do it as part of your evening meal routine or straight after clearing up? 

    Hugs for the funeral @PennysIntoPounds

    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. 
  • ladyholly
    ladyholly Posts: 3,910 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    KajiKita said:
    ladyholly said:
    I keep forgetting to prepare my overnight oats.  Very annoying.
    Could you do it as part of your evening meal routine or straight after clearing up? 


    KK
    I could but in recent days there has been no proper evening routine or daytime for that matter. I usually do them when I prepare dh breakfast which he has at lunchtime ( he goes to bed very late and gets up very late )but even that has slipped. Hopefully will now be able to get back in some kind of routine

  • PennysIntoPounds
    PennysIntoPounds Posts: 4,265 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Lovely couple of days away, not excessively spendy (other than the wine and cheese but those were essential)

    Finished a book, Hilary Mantel's The Assassination of Margaret Thatcher. I'm often wary of short stories but obviously Mantel is always worth reading

    Entered omaze flash draw by post

    Got a full size spf moisturiser to review

    Did admin and spec work whilst travelling and bits and bobs when it wasn't interrupting our time away

    Building update is that planning permission is about to run out, our builder is longterm ill and so is his wife, council have three weeks left of their eight weeks to get back to us about the submitted consent, and we don't know when we can submit the final consent to them as it was all based around the builder who is now unable to proceed.

    Happy Friday! 🍻😭😂
  • Watty1
    Watty1 Posts: 6,705 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Is there anyone who "could make a start" and thus keep the PP alive until you can start ?  I've know people just dig a hole so in theory they have made a start.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
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