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An in-between phase
Comments
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I have done nothing much except read my book today.
But I have set up the 2025 MSE Advent diary, so do join in if you'd like to pals
https://forums.moneysavingexpert.com/discussion/6643184/a-very-mse-advent-2025#latest
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 Carmichael6 -
Popped over to mums for a morning cuppa and exchange of bits, she has stewed some apples which is one of my favourite wintery ways of getting a portion of f&v in
Free exercise of half wussy situps
You started doing yours @KajiKita? 😘
Shower and hairwash with freebie toiletries
Changed the bedding. Rest of big flat clean will happen at some point 😁
Good steps with Mr PIP making the most of the sunshine and getting olio breads (and Eccles cakes nom)
Beer with camra discount, did financial planning- won £4.90 (headed for build aim pot)
Dinner is supermarket deal but we get double the amount of meals out of them than they're intended to be so we're considering that mse when we're knackered!
Hope everyone is having a no bad vibes allowed Sunday 🥂
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 -
Not atm, feeling utterly too horrid with this cold lurg … 🤧 But thank you for the reminder 😉
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 -
Ugh, definitely prioritise getting rid of lurgy @KajiKita Take Vitamin C and zinc! And gargle with TCP though if I remember correctly you think that's worse than a cold 😁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'd stick with the cold too!
🎉 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/her2 -
December Aims
Get money into the build pot, easter/mums birthday pots and current account
Continue eating down some of the random stuff in the cupboards and freezer- making decent progress!
Try to be committed to steps and situps
Really blimmin enjoy the Christmas monthhttps://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 -
Happy December and proper winter everyone 😊
Entered some competitions including a few advent ones, watch this space for me to win absolutely nothing once again 😂
Invigilating
PIP money 'change' and lottery winnings to build pot
Aim: £3137
Got £17
Carpet walk
Usuals
Few surveys
Couple of receipt surveys
Dinner is leftover pasta bake 🥂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 -
I have to say, with regular sit ups and gargling TCP, I see you as properly hardcore! 💪 Respect 👏
Sends PiP some competition winning vibes ….
🎉🎉🎉🎉🎉🎉🎉 PiP🎉🎉🎉🎉🎉🎉🎉🎉
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 -
Hahaha thank you @KajiKita, so un-hardcore but love the impression.
And thanks for the competition winning vibes, I definitely need them 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 -
I won a lotto lucky dip. Just in time for my ticket to run out? Coinkydink? I think not2
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