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An in-between phase
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I'm having a splurge on using up free toiletries atm too, @PiP. I will frankly be glad to see the back of some products I was sent to test several months ago, but couldn't justify the waste of binning them. I also seem to have had a good year for being given free samples, minis, which is nice, but they are invariably sheet masks, scrubs, hair masks, etc, which of course I will use, but I'd always prefer to receive freebies/samples of cleansers, moisturisers & things I use on a daily basis. Nevertheless, I do intend to use up all the skin treatments, etc, so I should be glowing by Christmas!
F2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (5/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg4 -
Im down to the last bottle of body lotion From last Xmas. Told my DS just to buy me some toiletries for Xmas and nothing expensive. Not had any freebies for ages, will have to look around.
:j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.001 -
Ooh you won't even need to spend on Christmas lights given how much you'll be glowing @foxgloves, very mse 😁
I love it when gifts last so long @amber03, money saving and you get to enjoy being given a bit of a gift every time 😊
Though don't be mugging yourself by not requesting something specific if you'd prefer it, I think most people like a bit of help with gift buying!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 -
Update of today, because I know you're all gripped, is finally found some McMo tokens on the street 💃
That 100k is practically mine
Also, not that it's a competition, but have caught up again with @KajiKita's books read this year total 😁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 -
😂😂😂😂PennysIntoPounds said:Also, not that it's a competition, but have caught up again with @KajiKita's books read this year total 😁
You sure?? 😉😊🤩
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 -
Walls and a roof - now THAT is super exciting! Lack of means of payment less so, but I have huge amounts of faith in your ability to magic up a build budget out of nowhere - just think how well you've done on it so far!
Also - tube mice are a different breed, love watching them scurrying about, but also wouldn't want them in my kitchen!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Haha thanks for the faith @EssexHebridean, much appreciated. Keep sending the believing in my magic ability vibes please! 💫
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 -
Usuals
Receipt survey
Couple of surveys
Steps:
Got a free meal deal with a promo voucher
Sold the old laptop for £2, the man in the shop said he had a pile of them that were going into recycling but eventually took pity on me 😁 That'll go towards groceries money I owe mum
Got coop milk with members discount offer
Found two McMo tokens
Dropped off a vinted sale
Half wussy situps
Spec work
Wrote a letter to my penpal, I know email and messaging is more mse but I love that in this day and age me and my friend bother to do letters to each other
Mr PIP is at a work do this evening but I'm not feeling energetic enough to brave a random cupboards meal, so pasta from the freezer it is, thank you past mehttps://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 -
I agree with sending analogue letters. I tend to type / print them rather than handwrite them but I do like receiving them 😊
Hope the pasta was good!
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.4 -
I don’t think I’ve had a handwritten letter in years. What a treatMade it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2
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