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An in-between phase

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  • rachmac3
    rachmac3 Posts: 304 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    19 degrees and drizzle for most of the day here. Not a great combination for those of us with wild curls. I had a bit of a hagrid look going until I fought it into a bun.
    I hope you survive Tuesday Pip! Plenty of fluids afterwards! 

    Debts                 04/01/25        01/07/25   

    Tesco CC          £6,509.97       £5,945.00 
    NatWest CC      £7,612.74      £7,155.00
    Lloyds CC          £6,112.60      £5,215.00
    1st Direct CC     £176.03         £4.50
    CC total             £20,411.34   £18,319.50
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,451.62
    Total                  £36,195.78   £32,021.12
    EF £300.00
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,239 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Water bottles are allowed as long as they're see-through or have no labels on @ladyholly, we have to patrol and take the wrappings off!

    I haven't heard of it happening for normal exams @KajiKita but these are mocks so probably better for them to learn to suffer in advance 😂 Poor things, will definitely be keeping an extra eye on wellbeing

    Cheers @Slowdown, think I'm just going to have to suffer with the rest of them and schedule drinking the fizz I got for my birthday in the garden as soon as I get home 😁

    Thanks @rachmac3! Well I guess it's good you don't have London's 30 degree close heat today as my hair is suffering, my skin is suffering, and my wildlife documentary t*ts are definitely suffering 😂

    Really enjoying Glasto, do have a gander on iplayer (or listen on catch up on BBC Sounds) if you love music. I know there are lots of different, and valid, thoughts about the beeb and licence fee but for me it is one of the brightest jewels in this country's crown, and no-one in the world equals it for this sort of coverage. 
    Sang along to Rod Stewart and cried quite a lot!
    Raving to Prodigy and cried for Firestarter. Very proud of the lads, and everyone involved in the event 😊🥂
  • KajiKita
    KajiKita Posts: 7,437 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Yeh, the Firestarter tribute gave me the bumps ❤️ Very well done.

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 35 books of target 52 in 2025, as @ 13th July
    Produce tracker: £205 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,239 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Happy Monday everyone 😂

    Today's bundle of build joy has been finding out someone should have submitted the community levy info to the council ages ago. So we'll have to pay approx 1k as a late fee and find an extra approx 11k for the actual cost. And it'll delay the mortgage offer. Which we need to pay the builders and all the many big bills. 

    Better go raise that 1k then! 
  • rachmac3
    rachmac3 Posts: 304 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    22 degrees and dry! Thanks Pip and everyone else who contributed a bit of their weather ☺️

    Debts                 04/01/25        01/07/25   

    Tesco CC          £6,509.97       £5,945.00 
    NatWest CC      £7,612.74      £7,155.00
    Lloyds CC          £6,112.60      £5,215.00
    1st Direct CC     £176.03         £4.50
    CC total             £20,411.34   £18,319.50
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,451.62
    Total                  £36,195.78   £32,021.12
    EF £300.00
  • foxgloves
    foxgloves Posts: 12,524 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Bloody hell, PiP....is there anyone in your neck of the woods who is actually competent?

    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (29/100)

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • beanielou
    beanielou Posts: 95,347 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    If you need any more after @ladyholly has wafted her weather towards you, you can very much have some of mine @rachmac3. I am doing double invigilating on Tues. In 33 degree heat. In a sun trap greenhouse sports hall. With hundreds of people in it. Pray for Pip 😂
    Jeez. That’s grim. 
    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.
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,239 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Most welcome @rachmac3 😁🥂

    We did have one good contractor for a very specific thing @foxgloves and emailed him afterwards asking on the off-chance was he qualified in anything else 😂

    Got told today that school has given in and postponed tomorrow's exams @beanielou, for which I'm sure all are grateful! 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,239 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Usuals
    Lots of build admin
    Few surveys

    Shower and hairwash
    30 minute carpet walk

    Finished a book, Mr Mercedes by Stephen King. Possibly the most stressful book I have ever read. I will of course be reading the other two in the trilogy

    Small walk going to dental hygienist, all fine

    Dinner is leftover splodge with pasta and cheese
  • ladyholly
    ladyholly Posts: 3,905 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad to hear that you have not been cooked while invigilating.
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