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An in-between phase
Comments
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Yay to the first of many signed off consents!1
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Excellent news on the PB win and 🎉🎊🥳🤩🌟👏 for the first consent sign off!!! Maybe things are finally starting to shift? 😊❤️
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 14 books of target 52 in 2026 as @ 15th February.
Produce tracker: £39 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 -
Brilliant news on both counts ! Onwards and upwards ! Ernie brought me £50Sealed pot challenge 822
Jan - £176.66 :j1 -
A signed off consent. Birthday meal and PB win too. Looking good PIP, looking good !!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 -
Indeed ! & the Ernie winBlackcats said:Yay to the first of many signed off consents!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 -
Congratulations on PB win. Keeping my fingers crossed the rest are signed off soon.1
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Usuals
Walk with Mr PIP getting essentials
Resisted buying a Sunday paper
Entered some competitions, today I'm mostly looking forward to winning a Fortnums hamper
Half wussy situps
Prepped cheesy potatoes for dinner with Mr PIP
Walk with Mr PIP for beer
Picked up an olio food bundle, including a chive plant which I'm quite excited about
Happy Sunday all 🍻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 -
Spec work
Usuals
Build admin
35 minute walk getting micellar water from olio
Went up to a park with a big hill with mum and Mr PIP to watch the VE Day flyover
Dinner is egg chip n beans, using up the spuds, and will watch the snooker final
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 -
Cracking photo 👏 Was the sound awesome? (There was too much band playing dambusters and commentary on the tv to be able to tell from here.)
Well done on the building admin … 😊
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 14 books of target 52 in 2026 as @ 15th February.
Produce tracker: £39 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.0 -
Fab photo and how exciting. The Lancaster did a fly over Bingley Agricultural Show a few years back and the noise was just awesome.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 20180
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