We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
An in-between phase
Options
Comments
-
Chin up pip!
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 #1240 -
Sending you lots of gentle healing vibes ❤️🩹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. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Cheers @lucielle and @beanielou
Job done, awaiting response notes from client
Shower and hairwash done, shoulder not at all happy about it
Admin, comping, couple of surveys
Entered some competitions, today I'm mostly looking forward to winning a Molton Brown hamper
Got some steps meeting Mr PIP to pick up a pile of 15 books (Mr PIP carried them!) from Olio, lots of novels I'm really looking forward to reading, and we also picked up some Olio posh breads on the way back
Christmas stuff will have to be a grumpy last minute session which is annoying having started so organised, but nothing I can do about pain and impact on energy and ability so if it needs to be a bit last minute then so be it. Only two things left to get
1 -
PennysIntoPounds said:What a numpty
(I'll stop now)
🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
I thought it was unusual you hadn't commented on the tube design @EssexHebridean 😂
I reckon they've just said Tower Bridge is in there for a laugh0 -
PennysIntoPounds said:I thought it was unusual you hadn't commented on the tube design @EssexHebridean 😂
I reckon they've just said Tower Bridge is in there for a laugh
For days when you are really struggling with hairwashing, remember that just standing under hot running water will probably help make it look and feel fresher. Another option I found worked for me when I had a rotator cuff injury and couldn't get an arm above my head normally was kneeling down with my head forward to deal with shampooing - somehow that was more comfortable in spite of still theoretically needing to get my arms in the same position - maybe something to do with gravity helping.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
well done on washing your hair - I hate it when the universe tells me that my hair is lank and greasy and always feel better when it shines and glistens with no frizz and emits the luxurious scent of summer stardust and morning dew (just like wot the advert told me it would - 21 of 11000 women agreed according to the small print
2 -
😂 you're so cynical about advertising @Blackcats, dont forget that 10 of those 11000 women found their true love, won the lottery, and lost a stone in weight overnight because of the shampoo's added drop of unicorn tears
Today's mse bits, with an added dollop of pre-Christmas panic
Client job, usual admin comping tidying
Decent walk with Mr PIP picking up an Olio book on simple DIY (I'm still manifesting planning permission 😁) and using up the last of my Lidl voucher on essential bits
Also looked in a few places for a bottle of Baileys for Christmas day at mum's request and they were either not on a deal or not on a deal and sold out...
Eventually found a bottle in Sainsburys Local for £13 which was much better than the other shops. Should probably have stocked up more when it was on the £10 deal but then we would probably have drank it by now anyway!
Found 5p on the street
Had a yoghurt drink with lunch that Mr PIP got free when they were handing them out at the station
Annoyingly the place that said two weeks ago they'd be getting the beer I wanted for Mr PIP's stocking, today said they weren't, and I don't have time to start going round London in the hope somewhere has one so will have to think of a few extra bits for his stocking that I can get in the next few days! Got £4 left so maybe a lottery ticket and... um...
Did a couple of Olio listings for sale in case of last minute local gift buying but took the advice of @beanielou to hold off from Vinteds for now
Did the laundry then went with Mr PIP to Lidl to get a bottle of the bargain wine in and a bottle of the bargain prosecco @EssexHebridean mentioned
Found another 55p
Having a couple of Christmas drinks with family friends this eve, will have beans on Olio toast when we get in
I wanted to get Mr PIP some nice cheese and crackers as part of his Christmas present but have been putting it off on the grounds of use by date/not being able to keep it in the fridge without him seeing it. So I think I'm going to have to pay transport fares and brave central London a few days before Christmas 😭
2 -
On the plus side central London at Christmas is so beautiful 😍 I haven’t been since the start of the pandemic and am getting withdrawal symptoms ☹️
In the past I was misled by the advert “things happen after a Badedas bath” - nope they don’t 🤣I get knocked down but I get up again (Chumbawamba, Tubthumping)1 -
They didn't specify which things though @Sun_Addict! More laundry accumulating, bath needing to be cleaned, skin wrinkling and giving you fear in the bathroom mirror, loads of things happen after baths 😂
I wouldn't want to deprive you of central London at Christmas so absolutely go by with my list, I'm generous like that 😁1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards