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An in-between phase
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Faints at the price of a pint.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.1 -
£39 - does it come with its own butler to serve it ? Omg……Sealed pot challenge 822
Jan - £176.66 :j1 -
£39!!! 😳🙄 Yee Gods! I would expect it to function as the Elixir of Youth for that price! 😂
KKAs 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 -
£39 ....what??? Geesh!! (and dirty nappies out of a window - I fear this is another world I have fallen into).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 !!1 -
Blows out and leaves the room speechless...
Comes back in the room to say how great you are doing dealing with the build. It is stressful but you are progressing when you look back...If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
Thanks @doingitanyway. The concern at this stage is that we're doling out our life savings for something that can easily not happen if the council just don't sign off the consents in time, and since they have previous for waiting six months and only doing it then because we complained to multiple agencies, we may still very well turn out to be even more completely b*ggered than we would have been not doing it! Ah well, may as well give it a go eh 😂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 -
Happy Saturday all 🥂
A third wussy situps
Usuals
Shower and hairwash
LOTS of build wrangling
25 minute walk dropping off a vinted sale
Entered some competitions, today I'm mostly looking forward to winning money and jimjams please
Saw mum for a quick cuppa
Laundry
Mr PIP is out at his friends tonight so bribed myself with pub to do some spec work. Brain too tired so came back home after a pint with pub mates
Dinner is whatever random leftovers need using with pasta
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 Carmichael3 -
Happy Saturday 🥂
I’m hoping because you are now wrangling about the build that it’s moving forward 🤞I get knocked down but I get up again (Chumbawamba, Tubthumping)2 -
Finished a book, a Dalziel and Pascoe, good comfort reading
Does anyone use a handheld clothes steamer? Thinking of asking for one for my birthday as I would so love a way to quickly get fold lines out of my clothes without the palaver of ironing, but don't know if any actually live up to their promise..
Off to boot sale shortly, wish us luck, and have a marvellous Sunday everyone- no bad vibes allowed on a Sunday, remember! 🍻
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 Carmichael3 -
Ooooooo! No, but I've been thinking about getting one for about a year. I hate ironing and most of my clothes don't need ironing so I'd love a quick way to get those few crinkles out. I have been known to put an item in the tumble dryer for ten minutes with a damp towel, but a steamer seems much more sensible.Debts 04/01/25 02/02/26
Natwest2 £6,509.97 £5,100
NatWest CC £7,612.74 £6,535
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £3.53
CC total £20,411.34 £16,088.53
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7,655
Total £36,195.78 £27,743.53
EF £1,100.13
HF £101.432
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