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An in-between phase
Comments
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Thank you my lovelies, and I insist in a birthday queen regal manner that you have lovely Fridays and weekends too to help me celebrate!
Started the day with a greggs vegan sausage roll, thought I'd treat myself to that £1.30 spend though obvs used the cash from a sale last week 😁
Also picked up a greggs and a Costa free sweet treat for me and Mr PIPhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Happy Birthday weekend!Debts 04/01/25 03/08/26
Natwest X2 £14,122.71 -
Barclaycard - £10,078
Lloyds CC £6,112.60 £3,595
1st Direct CC £176.03 £33.93
CC total £20,411.34 £13,706.93
OD £1100 £0
Car loan £4,000 £2,800
1st Direct Loan £10,684.44 £4,875
Total £36,195.78 £21,381.93
EF £2,550
HF £1001 -
Have a cracking birthday weekend!
🎂🎂🎂🥂🍺🍻🍹🍸🍷🍰🧁🍧
Love F, Soot & Ash x2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!1 -
Enjoy every moment of your 72 hour celebration. Obvs 72 hours is a minimum time and longer celebrations are appropriate too.
2 -
Thank you @rachmac3 @foxgloves (and Soot & Ash) and @Blackcats 😊🥂
Busy day yesterday;
Admin
Tidying
Comping
Popped over to mums
Picked up a letter that had been sent to old address from Octopus saying they'd reactivated the account there in my name. Despite them telling me a few days ago that they'd deleted all connection with my name and not-my-account. I absolutely hit the roof and emailed them telling them they're a disgrace. But in a birthday-y way obvs
Got payslip so can see that I'm allowed my earnings!
Got paid for a client job so shares to tax pot, current account, flat pot. Think I have enough saved for Mr PIP's birthday now🤞
Walk with Mr PIP to and from birthday drinks.
Meant to be 34 degrees in London today! Take care out there everyone...https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
I think you should start going to a consumer champion about octopus - maybe the guardian?Hoping it doesn’t distract you too much from your celebrations 😊🥳🎊🎉
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 57 books of target 52 in 2026 as @ 8th August.
Produce tracker: £200 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 -
I find it bizarre you’re having so many problems with them, I’m with them and always found the customer service excellent. Have you tweeted - I find that helps company’s focus 🤣 another thought - we have 2 organisations here that advocate for people on PIP / DLA
.Sealed pot challenge 822
Jan - £176.66 :j0 -
I am baffled as to how they score so highly @dawnybabes! They've been consistently awful, they were awful to my friend when her mum died, and we were complaining about them last night and another friend's mum has been having infuriating problems with them too. They are banned from the potential providers to the build utilities list!
Tbh I just want this issue to go away now, I do not have the physical or emotional energy to engage any further with their tw*ttery. Hopefully in a week they will have replied appropriately and resolved the situation 🙏
They most certainly will not be allowed to interefere with birthday celebrations @KajiKita 😁https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty0 -
I’d definitely go down the route of a data protection complaintJune 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0 -
We are well into the complaint stages @in_need_of_direction, this is them supposedly having sorted it all out 😂 😭
Am sending calm 'please let this be resolved properly very soon' vibes to the universehttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2
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