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An in-between phase
Comments
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Well done 😊👏PennysIntoPounds said:@KajiKita he was going out as the delivery man was bringing it up the stairs in its blatant branded box but he swears he only saw a big box and doesn't know what it is 🤞
It is now wrapped. Terribly, but wrapped
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 -
Excellent.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.2 -
Usuals
Cleaning
Build admin
Steps getting lovely free candle and diffuser from olio
Got my £10 Christmas bonus from PiP, shares to usual pots
Aim £538.29
Got £104.29
Got our Christmas tree so spent all afternoon in the usual disarray of decorating and sweeping pine needles but it all looks lovely and festive now.
Mr PIP is out on another Christmas do tonight so I will be having mash from the freezer with baked beans for dinner (and a rather large drink as a reward for my endeavours!)
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 -
Large drink well deserved!
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1241 -
Enjoy the large drink sounds like it’s well deserved 🍷I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Half wussy situps
Admin
Tidying
Comping
Had a sale so
Aim £538.29
Got £109.29
Three receipt surveys
Two surveys
Did a listing
Entered some competitions, today I'm mostly looking forward to not winning anything at all
(Using a bit of the ol' reverse psychology on the comps)
Steps getting essentials
Major OAT done in filling in the PiP review form.
Thoroughly depressing but needed to be done.
Definitely merits a cosy self-care evening of Baileys and book.
Happy Friday everyone 🥂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 -
Commiserating on the PIP form.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 -
I do understand that they need to have checks and balances @beanielou but surely it's possible they could have some kind of list of 'chronic, do not waste public funds causing people to feel extra sh*t about themselves and worry that they won't be able to pay essential things, unless medical breakthrough discovered'. 🙄😭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 -
Absolutely. I have said this for years. It pushes all my buttons. I have CP due to a birth injury. It’s not going to change. ( I wish). Such a waste of public money & NHS funds due to having to get medical evidence every time you apply. Sorry it’s my absolute bugbear. 🤬😿PennysIntoPounds said:I do understand that they need to have checks and balances @beanielou but surely it's possible they could have some kind of list of 'chronic, do not waste public funds causing people to feel extra sh*t about themselves and worry that they won't be able to pay essential things, unless medical breakthrough discovered'. 🙄😭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.7 -
I’ve never understood the logic of this either …. 🤷♀️
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.4
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