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An in-between phase
Comments
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Usuals
Small survey cashout, shares to usual pots.
Pip money, majority to dental/emergency pot, some skimmed off for other pots
Aim £677.61
Got £16.46
Steps dropping off vinted sales
Couple of receipt surveys
Couple of surveys
Build admin. Everything about it is depressing me.
Pub.
Dinner is pasta with mum's ratatouille 🥂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 -
Boo to the build admin.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.0 -
Indeed @beanielou. Still, hopefully we'll win enough to buy a house in North London on the PBs tomorrow 🤞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 Carmichael1 -
Sending hugs for the build admin and 🤞🤞🤞🤞🤞 for the PBs 😉
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.0 -
Good luck for the PBs. I wish I still held a decent amount in PBs it gave the start of the month the joy of hope!
Ooh I fancy mum's ratatouilleIf 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) 25/07/20250 -
Thanks @KajiKita. It all gets a bit much sometimes, especially when I should quite clearly be left alone to hibernate!
🤞 @doingitanyway. Time to start your emergency pot in the PBs 😁
I will be gutted to move away from mum and my area, all this worry and cost to move further away 🙄 Still, we soldier, or at least shuffle, onhttps://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 -
I keep my EF in PBs but to win healthily on a regular basis you need to be holding tens of thousands I find. And even then you need to be luckyPennysIntoPounds said:🤞 @doingitanyway. Time to start your emergency pot in the PBs 😁
I will be gutted to move away from mum and my area, all this worry and cost to move further away 🙄 Still, we soldier, or at least shuffle, onIf 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) 25/07/20251 -
Better still you win enough to buy you and your mum houses in South London 😉PennysIntoPounds said:Indeed @beanielou. Still, hopefully we'll win enough to buy a house in North London on the PBs tomorrow 🤞1 -
Gotta be in it to win it @doingitanyway 😁🤞
I think I've said before, don't know if it's true, but apparently if you buy your PBs in bulk there seems to be better return on them, so of course the more you have the more chances you have, but if you get up to e.g. £500, £1000 etc etc, withdrawing to an interest paying account for a month then buying them back in bulk might be worth it if you can be bothered. Probably doesn't make that much difference if you can't!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'm dreaming big @Blackcats, I want to be within walking distance of a manky tube to be crammed up against all the sweaty coughy wrong un's 😁Blackcats said:
Better still you win enough to buy you and your mum houses in South London 😉PennysIntoPounds said:Indeed @beanielou. Still, hopefully we'll win enough to buy a house in North London on the PBs tomorrow 🤞
Anyway my mum would never move Sarf, she came from there and she ain't going back!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 Carmichael1
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