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An in-between phase
Comments
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Hope you don't mind - I need your advice so sending you a PM.
KA x0 -
Perhaps the mice are bringing the PB wins?🎉 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 -
It's good at keeping me away @doingitanyway, I'm allergic 😂
Anytime @kayannie x
Oh that is so mean @EssexHebridean 🤣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 -
Woke up with a face full of cold but things have been done;
Usuals
Laundry
Small bit of build admin
We had to be honest with ourselves and admit we were quite clearly not going to eat the three bags of quinoa in the cupboard so someone from olio collected those
Steps getting essentials (masked up obvs)
Found 10p
Following a call with virgin yesterday evening, budget rejigged again! Aim now 10k though fervently hoping we can get this down...
Survey cashout, shares to usual pots
Aim £10,000
Got £19.46
Spec work
Picnic dinner of lots of healthy veg and hummus, and rosemary crackers with several types of cheese 😊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 -
Sorry about the cold
Ooh lovely picnic food
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 -
Thanks @doingitanyway, I'm fine in myself just a bit snotty and sneezy and a tad tired, hopefully it'll b*gger off quickly so I can get back to complaining about being tired for other reasons 😁
Feeling very full at the moment as I scoffed a rather large chunk of medicinal ginger cake this afternoon, but I'm sure I can bravely fit some cheese and crackers in *so brave*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 -
Feeding the cold fighting germs PiP0
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Ginger cake, much like gin, is full of botanicals thus making it a useful addition to one's '5-a-day' target.
2026'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/30kg2 -
I often say banana loaf is one of my five a day!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.1 -
Hope the ginger cake gets rid of the pesky cold. If necessary I prescribe another slab tomorrow but maybe a bit bigger than today's. If not try a 3 day course of ginger cake.0
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