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An in-between phase
Comments
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I'm lost for words on the build incompetence...so will focus elsewhere...nice PB win...
I like your simple suppers...cheese, new potatoes and salad, lovelyIf 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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Nil carborundum illegitimus ...
KBO ...
<and other mutterings to that ^^ effect>
Hugs x
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 56 books of target 52 in 2025, as @ 4th October
Produce tracker: £417 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.0 -
I'm trying to help an elderly relative liaise with adult social care at their local council. No phone numbers and no address on their official letterhead. I wasn't that easily deterred and got the name of the Director and address from t'interweb but my relative who doesn't have an email account was flummoxed. It doesn't seem to me that the systems that local authorities have put in place are designed with local folk in mind.2
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Thank you @doingitanyway
Though in the spirit of my September/autumn aim to be the bosses of our own kitchen cupboards, Mr PIP is making a curry tonight! Will be especially useful to use up the small remnant of rice in the massive storage container 🙄😁
Thanks @KajiKita for the hugs and mutterings to that effect
Madness how councils largely seem to be there to hinder rather than help folk @Blackcats, so bloody depressinghttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 56
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r62 -
If you can't contact them then you can't claim from them. Seems to be the norm these days.0
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We've had months of trying to get hold of council departments begging them to let us give them money @badmemory! The whole system needs to sort its life out, and yes I'm looking at you too HMRC, who I need to call tomorrow and am absolutely dreading ithttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 56
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r62 -
Build sums given jiggerypokery and PB win-
Next bill needed is 10k 😂😂😂
But I already have £7 and that's a bigger number than the 1 and the 0 so basically smashing it
Small bits of build admin
Usuals
Half wussy situps
Sorted out palaver with a vinted buyer not collecting their parcel
Steps dropping off fabrics recycling.
Spotted a tub of Quality Street in Sainsers on offer at £4.95 which is 90p per 100g which is remarkably good value these days.
Obviously the shelf price was wrong and had gone back up to £7 (yes, seven pounds) but happily they honoured it and I had enough nectar points to take £2.50 off 🥂
Listed some books on vinted, feel like that is not going to take off but no harm in having a go
Various bits off the to-do list
Hope everyone's hatches are feeling sufficiently battened down, have to appreciate this lengthy storm for making it in no way appealing to spend money going to the pub!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 56
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r63 -
I suspect you already know that 8am is the best HMRC call time.1
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Thanks @badmemory, I was aware of that and will try my best but 8am is not my best asking sensible questions and understanding the answers time 😂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 56
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r63 -
PennysIntoPounds said:Thanks @badmemory, I was aware of that and will try my best but 8am is not my best asking sensible questions and understanding the answers time 😂
Definitely not my best time either, but as they say needs must when the devil (HMRC) drives.1
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