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An in-between phase
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Haha thanks @KajiKita, it is difficult not laughing when I'm called 'miss'
Thanks @foxgloves, I actually do feel quite brave as I'm trepidatious about dafty body and silly due period giving me anxiety let alone painful and embarrassing contention, but I am Earning Some Money and (pretending) being An Adult 😁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 -
Oh heck, being called ‘Miss’ … 😂 I remember that from the English coaching i did - makes you feel so ancient! 😂😂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.2 -
I was only ever called miss when I worked in a prison 😂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 -
Great news you have some invigilating work to add to the coffers 🙂I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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Let me know if you want a referral for the mystery shop app I use, think they're looking in London just now1
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Good stuff on the invigilating work even if the timing of things is a little questionable - hopefully your body will be obliging though.
Consider all fingers tightly crossed here for the positive outcome on the mortgage stuff too - I know exactly what you mean about struggling to believe that things can actually just go smoothly for once!
As for the budget, I'm sure I remember a time when Chancellors used to simply delivery the damn thing, and we all just complained at the time. The current political tendency to leak everything first to let the media dish out the bad news drives me absolutely nuts. I just want them to pull up their biggest of big-girl pants and own their flipping decisions for a change!🎉 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/her5 -
The dragging out of the budget has been even worse than Christmas this year. I usually watch it but I'm not sure I have the patience left this year.2
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Thanks @WelshmansDaughter, would be good to have a gander
Budget u-turns and formation of public policy via speculation in the media which we know full well was planted there by govt sources to feel out how much electoral damage there would be, has been particularly excruciating this year hasn't it @EssexHebridean and @badmemory
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 Carmichael5 -
Build admin
Invigilating
Usuals
Steps dropping off a vinted sale
Half wussy situps
Shower and hairwash
Entered some competitions (moolah please)
Laundry
Money from vinted sale
Aim: £3137
Got £9
Dinner is spaghetti with cupboard sauce 🥂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 -
Were you very fierce in your invigilating?! 😉😊
I so wish I had your discipline at sit-ups … when in your daily routine do you do them? 🤔
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.1
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