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An in-between phase
Comments
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Keep me updated on your potato concoction, for inspiration purposes.Debts 04/01/25 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.042 -
I hope it has ‘splat’ propensities 😊❤️Rhyddid2026 said:Keep me updated on your potato concoction, for inspiration purposes.
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- 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 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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 -
We went for skin-on cheesy mash with a drizzle of olive oil sautéed red onion @Rhyddid2026 but we're also eyeing up croquettes soon3
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oooo croquettes! I might try and find an easy recipe for the weekend.Debts 04/01/25 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.042 -
Usuals
Small bit of build admin
Steps getting a perfume bundle from olio
Found a coat to clean and maybe sell
Half wussy situps
Made a start on cleaning the bag of found clothes
Survey
Pizza and garlic bread with hummus for crust-dipping for dinner4 -
The perfume bundle sounds interesting?
And crust-dipping sounds yummy...If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
Five bottles of posh brands in various quantities of used and unused @doingitanyway, I'm a big scent fan so excited to try them. Love olio and everyone's generosity and keeping things in use around the community 😊5
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Well done on the olio
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 #1244 -
I really wish Olio was more of a thing round us - it's not though, and I suspect if it was, too many folk would see it as a way of getting shot of stuff they are too lazy to take to the tip rather than passing on genuinely nice things that they no longer have a use for.🎉 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/her1 -
They'll still have to take it to the tip if there are no takers @EssexHebrideanand if they're deceitful they'll get a bad rating. They'd have to move to another area for shame.
Stick some bits up, be the change you want to see 😁5
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