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An in-between phase
Comments
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Great news .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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]2 -
Excellent news Pip! Congratulations!Debts 04/01/25 01/09/26
CC1 £14,122.71 -
CC2 - £6,975
CC3 £6,112.60 £6,495
1st Direct CC £176.03 £151.44
CC total £20,411.34 £13,621.44
OD £1100 £0
Car loan £4,000 £2,400
1st Direct Loan £10,684.44 £3,825
Total £36,195.78 £19,846.44
EF £2,800
HF £3
EB £2502 -
Congratulations on your winFashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
Thank you @lucielle @redofromstart @foxgloves @Sun_Addict @southern_chick @beanielou @Rhyddid2026 @Baileys_Babe I am right chuffed
@KajiKita I think a small amount will go to build bills and a large amount will go to future month's day to day costs but it will be a treat breathing a sigh of relief that a month is covered!
That's fantastic you've had a win each month @kayannie, well done
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty5 -
Early morning usuals
Invigilating
Bits and bobs off to-do list, little carpet walk
Steps going to meet friend for a Christmas catch-up beer with camra discount
Dinner is spaghetti with cupboard sauce and loadsa cheese 😊https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty6 -
I can understand that the basics being covered and the corresponding ease of pressure being a treat 😊
I read your dinner as ‘spaghetti with cardboard sauce’ ….! I must be tired as I had to look twice more to correct myself! 😂😉
KKAs 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.2 -
It’s not just you, I read it as cardboard at first too 🤣KajiKita said:I can understand that the basics being covered and the corresponding ease of pressure being a treat 😊
I read your dinner as ‘spaghetti with cardboard sauce’ ….! I must be tired as I had to look twice more to correct myself! 😂😉
KKI get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here 💪2 -
Also read it as cardboard!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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]2 -
You all know me and my cooking abilities too well but on this occasion it was sauce you keep in a jar in the cupboard 😂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
For goodness sake I now KNOW it's Cupboard and STILL read it as cardboard!
Great stuff on the PBs PiP - really pleased for you!🎉 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
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