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An in-between phase
Comments
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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 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 -
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 1400/1000
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.
One debt remaining. Home improvement loan. 21 months left.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 02/02/26
Natwest2 £6,509.97 £5,100
NatWest CC £7,612.74 £6,535
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £3.53
CC total £20,411.34 £16,088.53
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7,655
Total £36,195.78 £27,743.53
EF £1,100.13
HF £101.432 -
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 15.01.26:
- 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 -
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
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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
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 -
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 🥂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 -
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
£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
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