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An in-between phase
Comments
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Usuals
Two receipt surveys
One hour walk changing an old 50p for a new one
Free laundry detergent sample in post
Build admin
Entered some competitions, today I'm mostly looking forward to winning 1k x2
A third wussy situps
Cleaned a pair of trainers to list for sale
Had been daily scrubbing an ink stain on a jumper I found, and it's now dried from going through the wash and no sign of stain. I gave it a big debobble too and it's come up really nice. Might go mad and let myself keep an item I own that I put all the hard work into 😂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 Carmichael7 -
Finished a book, Theft by Finding, David Sedaris diaries volume one. An unpromising start (my mum gave up on it), improved greatly, I wouldn't buy any further volumes but would read if found. Ironically.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 -
Sounds interesting 😊
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 -
I find him funny. A bit sharp sometimes, but funny. I've heard him but never read him...not sure I will now...
Well done on the jumperIf 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 -
Shower
Build admin
Usuals
Domestic tasks of changing bedding, laundry, descaling kettle
Survey
£150 on the PB! Thank you Ernie 😊
Someone picked up an olio free listing
Obviously contractor re garden keys turned into a palaver. At least I got some carpet walk steps done while on interminable hold trying to find out what on earth they were playing at. This has still not been discovered and we still have no access to the garden we are paying for.
Went over to mums to help her re-pot a big plant
Annoyingly Mr PIP's tooth is really hurting so that's another bill, but at least he has a little aside in his dental pot, and could get an appointment for tomorrow morning. Very grateful for that, knowing how dire others' access to dental care can be
Up horribly early tomorrow for invigilating, will be blimmin glad of the money though!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 Carmichael5 -
Congratulations on the PB win!! 🎉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 £101.431 -
Good wee win there.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.
One debt remaining. Home improvement loan. 21 months left.0 -
Yaay for the PB win but 😢 for Mr PiP’s tooth - I hope it’s an easy fix for him. 🤞
You haven’t mentioned murine house guests for a bit. Have they gone …?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 -
Well done on the PB win 🥳Hope Mr PIP gets his tooth sorted, toothache is dire 😞I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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Thanks @rachmach3 @beanielou @KajiKita @Sun_Addict, it's a relief to know there'll be a bit extra in the coffers!
Poor Mr PIP is rather suffering so I'll kip in the living room tonight so he can have a good sleep without me elbowing him if he needs to snore. He thanks you for your sympathies!
Not mentioning the murine issue as last time I said I hadn't seen such a thing for a while I almost immediately saw such. Would be particularly grateful if no issue of thing we are not mentioning occurs tonight while I'm sleeping on the floorhttps://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
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