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An in-between phase

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  • beanielou
    beanielou Posts: 95,925 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I don't know how you are still sane.
    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.
  • KajiKita
    KajiKita Posts: 8,002 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Well done on the HRMC call and yaay to the £100 win 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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. 
  • beanielou
    beanielou Posts: 95,925 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on competition win.
    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.
  • Blackcats
    Blackcats Posts: 3,935 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Well done with HMRC call!   I tried verging media yesterday - after 30 minutes talking to a very difficult to understand operative I didn't achieve what I set out to achieve.  I think I was as incomprehensible to them as they were to me.  Seemed tricky to explain that a 97 year old doesn't want Netflix or a new 👀 phone with 48 month contract,   I'm going to offer up the experience to God to atone for numerous of my sins.  
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,554 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Think you've probably acquired scope for some more after that @Blackcats!

    We have recently had to sign up to a new broadband contract as the one here ended and we didn't want the add-ons like telly the previous one included.
    Virgin On The Ridiculous were one of only two that covered both here and build, should we need to move it as only two year contracts available.

    We told them well in advance when we would need it, and that is was very important as working to pay our bills relies on it, and Mr PIP being a sensible chap even said to start the contract nearly two weeks earlier than needed just to ensure we were connected in case of c*ck-ups.

    Cue VM telling us just a few days before we were meant to receive the set-up equipment, that they could no longer do that date and would be sending it to us several days after we would have no connectivity and weeks after we took the contract out.

    Will go for the other provider next time.
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 47

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • doingitanyway
    doingitanyway Posts: 10,116 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    A win of £100 and getting sense out of HMRC 
    You have had a good day. You are due some of those...
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Thanks @doingitanyway, would be good to have more like this! And I read a whole book while I was building up to/recovering from HMRC call so that was very pleasing too
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 47

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,554 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Absolutely mashed up my hamstring by... taking a step 🙄

    Other than lots of limping:

    Admin
    Tidying (ish)
    Comping

    Build chasing

    Little surveys here and there- if four more people use my Eureka code I get a whole 80p, so if you were thinking of signing up please consider doing it through link in signature 😊

    Vinted listings updates

    Mr PIP kindly dropped off the WoB parcel and a small vinted sale for me

    Small vinted money so shares to usual pots

    Got pip money so skimmed a bit off that for pots, felt guilty like I always do

    £28.50/10k

    Receipt survey

    Limped to the local, very slowly.
    Wasn't missing out on both steps and pub time because of dratted chronic pain condition.
    This may however have been a mistake.
    Though tbf leg was painful staying inside so it might as well be painful outside.

    Bit knackered though. Might have to be a chippie tea night, though will endeavour to do pasta 
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 47

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
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