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An in-between phase
Comments
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Walls and a roof!!! That means it’s really happening!Squeeeeeeeee! ❤️🤩🥳🥳🎊 🏠
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.3 -
Oh all the things are happening @KajiKita, except the ways to pay for them! 😂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 Carmichael5 -
Passes wineI 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.4 -
I'm so pleased you have walls and a roof 🤗 and well done tackling the ladder. I hope you recover quickly.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family4 -
Side eye from postie here. We would very much like to deliver post. We are prevented from doing so by many factors including a delusional belief that nobody gets post anymore, people buying carp online and sending it back and the fact that our bosses are delusional about the effect that doing the job at the pace we have to do it has on us.
Rant over5 -
Your work is appreciated and applauded @WelshmansDaughter
I just wish the institution wouldn't pretend we get post more than once or twice a week when this has not in fact happened for many a year!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 -
Won £275 on the PB, thank you Ernie, much appreciated
Usuals
Survey
Went back to bed and read
Shower
Went back to bed and read
Going for post work drinks in central with Mr PIP and one of my besties to use the bar tab I won a while back.
Will take her a moisturiser I'm not using she wants to try, and the coconut chocolates from a selection box as we're not fans but she is 😊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 Carmichael7 -
Great on PB win
Hope you win a F&M hamper
Walls and a roof is amazing. A roof and walls are the major components of a home
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) 25/07/20253 -
Lovely news about your PB win, life lately we need all the good news we can get.:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.003
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Thanks @doingitanyway. I expect the lack of consistent post in this area is due to them barely being able to get in the sorting office what with all the extra hampers wot I have won that are just stacking up over time 😁
Cheers @amber03, absolutely. What with the state of the world, the country, awfulness in the news, energy bills, and the cost of living, any wee bits of good luck are very much welcome for adding a bit of balm.
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
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