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An in-between phase
Comments
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Wholesome smug medal for you @Blackcats 🏅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 Carmichael0 -
I keep forgetting to prepare my overnight oats. Very annoying.1
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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 andPADing in 2024 £250.62
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RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20182 -
Glad they arrived and in good time too @Sallyforth 😊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 -
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 🍷
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 Carmichael2 -
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#latest1 -
Could you do it as part of your evening meal routine or straight after clearing up?ladyholly said:I keep forgetting to prepare my overnight oats. Very annoying.As at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
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 routineKajiKita said:
Could you do it as part of your evening meal routine or straight after clearing up?ladyholly said:I keep forgetting to prepare my overnight oats. Very annoying.
KK
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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! 🍻😭😂
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 Carmichael4 -
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 !!2
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