We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
An in-between phase
Comments
-
Very little except reading for most of the day as very tired
Usuals
Got a free tub of mini cheddars to review
Small bit of build admin
An old mate I hadn't seen for at least a decade randomly said he's free and in London so grabbed beer with him (with camra discount)
Leftover pasta bake for dinner, thank you past me4 -
Also very tired. Must be something in the air...
I love random meet-ups with old friends. I hope you enjoyed yours
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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Also tired.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.2 -
Napped for an hour at 4pm, so also in the tired gang.
Would much rather be in the pint with a mate gang. I will need to try harder.Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.992 -
Ditto on feeling very tired, hugs to all who needs it 🤗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 family3 -
I’ve been feeling very tired as well. I’m putting it down to the clock change and the overall drop in light levels.Nice to hear that you got to spend time with an old friend 😊KKAs at 15.11.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 71 books of target 52 in 2025, as @ 1st December
Produce tracker: £442 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.3 -
I think it’s the time of year to be tired 🥱 Hibernation season. Glad you enjoyed a catch up with an old friend 🍻I get knocked down but I get up again (Chumbawamba, Tubthumping)3
-
What a lot of sleepy MSErs we are!
On that note, my November aims:
Get money into the build pot, Christmas pot and current account
Continue eating down some of the random stuff in the cupboards and freezer
Be proactive sorting through clothes for seasonal listing opportunities
Hibernate
3 -
Usuals
Entered some competitions, today I'm mostly looking forward to winning all the hampers and cash and wine please
Flat clean with Mr PIP
Shower and hairwash with free products
Carpet walk
Laundry with free conditioner
Mr PIP prepped cheesy potatoes with baked tomatoes for dinner 😊
Happy Sunday all 🥂4 -
Love that you managed to take the opportunity to grab a pint with a pal - always fun!
I definitely think it feels like hibernation season too - it's not helping that it's turned all chilly and damp, is it. That said, there was enough sunshine yesterday to not only nearly dry my washing but also to get both sets of solar lights in the garden working last night!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.7K Banking & Borrowing
- 253.8K Reduce Debt & Boost Income
- 454.6K Spending & Discounts
- 245.7K Work, Benefits & Business
- 601.7K Mortgages, Homes & Bills
- 177.7K Life & Family
- 259.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards