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An in-between phase

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  • PennysIntoPounds
    PennysIntoPounds Posts: 4,239 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    So relieved they cancelled it @ladyholly, I like warm weather but 33 degrees is a bit much especially in London where the heat always feels really heavy and tightly packed. Lord knows what the temperature would have been in that sports hall!
  • KajiKita
    KajiKita Posts: 7,437 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Ugh to the building incompetence… 😢
    Thank goodness for the exam postponement.

    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
    June round-up and July aims

    Managed to get (I hope) enough money in the pot for Mr PIP's July birthday including taking him out for dinner and drinks
    Used survey giftcards to pay for most of his gifts I've got so far and hopefully will be able to do the same for most of the remaining bits.

    Have added to flat pot, it's still very stressy as no amount of surveys and sales are going to cover the money we're constantly having to pay, with no build mortgage in sight. But it all adds up!

    I'm aware there will be no more invigilating for a good while in a couple of weeks so grateful to myself for not frittering that money as a 'bonus'

    Need to make an effort to be a bit healthier but only because I've been thoroughly enjoying myself and intend to do so for the remaining social plans and summer!
    But more conscious decisions and prioritising what exercise my body can do, and batch cooking from scratch more often, will be grand.

    Build-wise, I have been on it, efficient, helpful, and civil and occasionally pleasant in the face of a parade of idiocy and entitlement. I will continue trying to be this much better version of myself to help get this done 😁

    Overall aims are:
    Make sure Mr PIP has a lovely birthday
    Be a tad healthier
    Be excellent at invigilating
    Persevere with build and flat maintenance
    Get money in current account and flat pot
    Look out for bargains and freebies for two best friends birthdays later in the year
  • Sun_Addict
    Sun_Addict Posts: 23,949 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Some great aims there. I love the fresh start vibes of a new month. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • doingitanyway
    doingitanyway Posts: 9,861 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Great aims and the round-up shows June has been positive too
    Glad you weren't stuck in a hot building in the heat 
    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 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
  • EssexHebridean
    EssexHebridean Posts: 24,421 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Very glad that they saved you from melting in a greenhouse today - also delighted to hear that Mr PiP has a July birthday - all the vest people, obviously... ;-) 

    Beyond frustrated on your behalf about the expensively overlooked bit of paperwork though - honestly, it's relentless isn't it! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,239 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Cheers @Sun_Addict and @doingitanyway

    Happy birthday month @EssexHebridean! 🍻

    We're being surprisingly chill about the expensive paperwork, there are various parties we could blame but we're frankly used to everyone being sh*t now so it can just get in line with all the other bills we can't pay and delays we'll have to manage somehow! 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,239 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Not in a heat trap sports hall 🥳

    Survey
    Usuals
    Half wussy situps

    25 minute walk getting essentials

    Spec work

    Half hour carpet walk in front of a fan

    Rechecked some rejected ziffits, couple more accepted. Emailed them earlier as they said there were items missing from my last box which there bloody well weren't!

    I was a very fortunate birthday Pip and got gifted some champagne, so mum is coming round to sit in the garden and drink it with us. Happy July everyone! 🥂
  • doingitanyway
    doingitanyway Posts: 9,861 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    How lovely! Enjoy your champers in the garden with mum and Mr PIP  :)
    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 0/1000
    Buffer fund 0/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)
  • Blackcats
    Blackcats Posts: 3,857 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    PIP - just to clarify that when I said Marlborough Sauvignon Blanc is my favourite wine, that wasn't including champagne.  
    Genuinely hope you all enjoy your treat in the garden.
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