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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
An in-between phase
Comments
-
Your Mum is a very sensible woman - North of the river all the way!PennysIntoPounds said:
😂 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!🎉 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 -
Really good idea to be within walking distance of the tube @PennysIntoPounds manky or not. I'm 5 minutes walk from the station and it makes such a difference...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) 25/07/20251 -
£125 on the PB, thank you Ernie
Usuals
Vinted sale, shares to usual pots
Aim £677.61
Got £17.46
Survey
Steps dropping off soft plastics recycling, and more steps calling virgin media and trying not to scream for half an hour
Half wussy situps
Took some vinted pics
Spec work
Saw a m.o.u.s.ehttps://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 -
Well done Ernie! At least somebody in my social circle (albeit online) experienced some PB largesse!
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/30kg1 -
What is mousenip and where on your person do you have it …? 🤔 You seem to be absolutely irresistible to them! 😳🙄
Yaay for the PB win 😊
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 -
Mousenip is a Victorian building in the hands of social housing @KajiKita!
Thank you, always a relief to get any money to put into the potshttps://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 -
Good news on the win. Boo to the pesky visitor.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 -
Great news about the win 🥂 Not good about the mouse though 😞I get knocked down but I get up again (Chumbawamba, Tubthumping)0
-
Thanks @beanielou and @Sun_Addict
Done the usual soaking of teatowels in strong cleaning product and putting them outside the doors of the rooms we really don't want m.o.u.s.e to go into in the hope it puts it off as apparently they hate pungent harsh smells.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 -
Apparently cinnamon is particularly good at keeping mice away.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) 25/07/20251
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.5K Banking & Borrowing
- 254.2K Reduce Debt & Boost Income
- 455.1K Spending & Discounts
- 246.6K Work, Benefits & Business
- 603K Mortgages, Homes & Bills
- 178.1K Life & Family
- 260.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards