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An in-between phase
Comments
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Nice to see you @amber03 🙂
They definitely won't last that long here 😂
That's if I even receive them, there are so many bad stories about winners not getting their prizes (in general, not with this company) that I always try to take an 'it's nice if it happens' approach. Though obviously I'll be seething inside 😁
We usually only get post once a week, maximum on rare occasions twice a week, and we live in very accessible London.
I do always laugh when there's a news story about them cutting down on a postal service and think 'blimey, are they still pretending they've been providing that for the last decade!'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 Carmichael3 -
Well done on winning the wine. Fingers crossed it arrives. That’s bad service from the PO. We get post several times a week here and the two young women who deliver it are really nice, guess we’re lucky by the sounds of it.I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Well done on winning wine. A nice thing to win.
I wouldn't say I get decent service from the PO either. Although, like you @Sun_Addict I have a lovely Postie
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Survey
Usuals
Build admin pretty much all day.
Indemnity insurance has gone up another £400 as I had the realisation that property prices can go up. I mean, it's a disgrace we have to have it in the first place but allow getting the random bad luck of a historical covenant chaser and being bankrupt over 50k after all the time and money we've spent
Steps getting essentials
Couple of books accepted by WoB
Carpet walk doing little surveys
Small survey cashout, shares to usual pots
Aim £1948.80
Got £7.29
Leftovers of mum's cheesy leek and potato for dinnerhttps://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 Carmichael5 -
Happy October everyone 🍂
October Aims
Are much the same as September aims;
Get money into the build pot, Christmas pot and current account
Keep on top of steps and f&v
Continue eating down some of the random stuff in the cupboards
Keep up the listings work and persevere with surveys
Try to be vaguely zen about build stress
Try to re-establish a better pattern for sleeping as at the moment I'm laying there stressing for ages
Keep getting those OATs (Outstanding Annoying Tasks) done, if you have some too then come join us on our dedicated thread
https://forums.moneysavingexpert.com/discussion/6626713/mellow-fruitfulness/p1
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 Carmichael6 -
Great October aims! It is definitely a good idea to reset at the start of the month, and what feels like the beginning of a new season too. I will be stealing that idea and creating my own
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Usuals
Entered some competitions, today I'm mostly looking forward to winning a Fortnums hamper
Bit of build admin
Went to site. I forgot I have vertigo 😂
Then my joints went mad on way back but at least it wasn't at the top of a ladder.
Had to use some voucher to get a sandwich but at least it wasn't coming out of my budget
Bit more build admin
So exhausted.
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 Carmichael3 -
I prefer to have both feet firmly on the floor, so feel you are brave going up any ladder, and at least you had a voucher for your sandwich than actually paying for it out of your budget. Relax and put your feet up for the rest of your night.:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.001
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If you are going high enough to get vertigo that suggest structures are starting to appear, no …? 🤞😊
Agree with Amber, have the rest of the day off! 😉
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.1 -
I had to be brave @amber03, I was surrounded by men, on a building site! Couldn't be letting the side down 😂
I sat down waiting for the train and started to feel awful then realised it was just a delayed panic attack from my body and brain going 'no no no no no' so that was okay. Very much feel I earned my voucher sandwich 😁
There are all the walls and a roof @KajiKita 😲
It's only a very small low-ceilinged two storey but my chronic pain condition lack of feedback as to spatial awareness does not cause good vibes when there's little surrounding feedback to help me out!
Unfortunately we're not allowed to post identifying pics so you'll all have to imagine my rictus smile and me clinging onto the brickwork whilst on the scaffolding around the site
Mr PIP is making some pasta with cupboard sauce as we're knackered, and we are having a Very Large glass of wine!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 Carmichael4
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