We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
An in-between phase
Comments
-
I hope you’ve tidied up in case agent millionaire arrives? I’m thinking about baking a cake just in case 🤣Sealed pot challenge 822
Jan - £176.66 :j0 -
Ooh thanks for the reminder @dawnybabes *quickly brushes hair, puts laundry away, and sits up straight*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 Carmichael1 -
What random foods are you going to indulge / challenge yourself with? 🤔
Balance sounds like a good aim 😊
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 -
Those sound like wonderful aims!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 £101.430 -
Ta @rachmac3 and @KajiKita, and I will update but I know there's a big jar of piquantè peppers that hasn't even been thought about in over a year that's getting on my nerves, and a bag of rice we never choose over pasta, and too many random jars of spices and whatnot that haven't been touched for goodness knows how long. I feel a concoction coming on!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 Carmichael1 -
Usuals
Went round mums to vacuum, definitely counts as free exercise as I don't half ache!
Mr PIP got us a new broadband contract and will hopefully get some cashback
I ordered my belated birthday gift of perfume and will hopefully get some cashback
Walk with Mr PIP to see if nearest TKs had a suitable and budget friendly gift for a young nephew, found a nice Nordi style cardigan for a reasonable price. As we're going to be living next to him we're trying to encourage him to be a quiet child by dressing him like a librarian.
Also got some cheap vitamins from Savers
Beer with camra discount as a reward for our hard work
Dinner is pizza which Mr PIP found at a very reduced price
Hope everyone is having a good Sunday and feeling like you're going into the new month and Autumn with good vibes 🍻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 -
If you keep powdered spices in the dark they will keep for decades.1
-
'Dress him like a librarian' That made me laugh far too much.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.2 -
Me too!! 😂beanielou said:'Dress him like a librarian' That made me laugh far too much.
I can feel a ‘dirty rice’ concoction a la Greying coming on … 🤔😉
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 -
Do any of my lovely Team Tuppence know owt about capital gains tax? Mr PIP was sure he'd read on an official website that we'd need to live there for minimum of three years or have a massive 'fine' but I can't find anything mentioning that. It'll be our only property and we'll be living in it..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 Carmichael1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.5K Banking & Borrowing
- 254.2K Reduce Debt & Boost Income
- 455.1K Spending & Discounts
- 246.6K Work, Benefits & Business
- 603K Mortgages, Homes & Bills
- 178.1K Life & Family
- 260.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards