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An in-between phase
Comments
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Here we call it a dust ruffle.2
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Glad the invigilating is rewarding 😊 And you have NOTHING to feel shame about!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 -
That is completely fair comment and emoji use @Sun_Addict 🤣
We believe in you @rachmac3, get valancing immediately! I'm not even fancy enough to have considered having a bed skirt doodah so you can definitely do this, being a woman of valance ownership 💪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 -
I’ve never trusted myself not to get the valance and the in-the-bed-base drawers in a total tangle, so I have never had one! 😂
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.2 -
As a life-long arachnophobic, I always avoid valances in case they double-up as 'ladders' for 8-legs!
F2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (5/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg4 -
Half wussy situps
Survey
Usuals
Tiny bit of spec work
Flat clean and laundry
Popped over to mums for a cuppa and to get a bag to take to charity shop for her neighbour
Four receipt surveys
Small bit of build admin
Walk and beer with Mr PIP watching bits of the FA Cup final with pub pals
Happy Saturday all, especially Palace supporters 🍻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 -
You do all make me chuckle!! Valance! That's the word I was looking for! Although dust ruffle sounds quite cute. There's a dog bed next to my bed and it's easier to clean a valance than the bed base where the furry bog rats lean against it. Anyway, it's back on!
I hope everyone is enjoying the weekend xDebts 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 £101.433 -
Usuals
Mr PIP picked up some olio bread
Survey
Small walk dropping off a vinted sale
Half hour walk getting a lipbalm from olio
Prepped a veggie cottage pie for dinner
Mr PIP got some bargain beers and bargain chocolate
Entered some competitions, today I'm mostly looking forward to winning 3k and a year's supply of loo roll
Hour walk with Mr PIP getting best value bits and bobs.
Managed to get a packet of mcvities chocolate digestives for 25p which was very pleasing.
Found 1p and a sweet bird design plant pot
Happy Sunday everyone 🍻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 -
A years supply of loo roll would take up a LOT of space! Here’s hoping that the £3k tuns up instead! 😉😊
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 -
Sounds like a productive day. Yay to Mr PIP securing bargain beer and chocolate 🥳🍻I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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