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An in-between phase

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  • PennysIntoPounds
    PennysIntoPounds Posts: 7,465
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    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

    'aggressive safety shot' Ken Doherty
  • KajiKita
    KajiKita Posts: 10,856
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    Not atm, feeling utterly too horrid with this cold lurg … 🤧 But thank you for the reminder 😉

    KK
    As at 26.09.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £210,560
    - OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 72 books of target 52 in 2026 as @ 10th October. 
    Produce tracker: £329 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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,465
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    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

    'aggressive safety shot' Ken Doherty
  • EssexHebridean
    EssexHebridean Posts: 26,373
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    I'd stick with the cold too! :lol: 
    🎉 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 Calculator
    she/her
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,465
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    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 month
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
  • KajiKita
    KajiKita Posts: 10,856
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    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🎉🎉🎉🎉🎉🎉🎉🎉

    KK
    As at 26.09.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £210,560
    - OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 72 books of target 52 in 2026 as @ 10th October. 
    Produce tracker: £329 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. 
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,465
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Forumite
    Hahaha thank you @KajiKita, so un-hardcore but love the impression. 
    And thanks for the competition winning vibes, I definitely need them  :D
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
  • WelshmansDaughter
    WelshmansDaughter Posts: 2,369
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    I won a lotto lucky dip. Just in time for my ticket to run out? Coinkydink? I think not
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