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An in-between phase
Comments
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Oh for goodness sake - we all KNOW what I want to eat now, don't we! 🙄😂
🎉 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/her3 -
You've all given me re-cravings 😂
Usuals
Half wussy situps
Shower and hairwash using free toiletries
Steps getting some olio clothes
Tiny bit of cleaning
Bribed myself with pub to do tedious vinted listings, have done seven 🍻Btw coop has two pizzas and a pack of lager or soft drinks for £5 deal on until 21st July, we don't drink lager or soft drinks but two pizzas for a fiver is a good deal these days and we'll give the beers to a willing mate 😁
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty5 -
Usuals
Spec work
Survey
Bra fitting. I asked mum for my birthday present to make me go and buy me some new ones as otherwise I will put it off forever. New bras got, hopefully don't have to think about that again for several years!
If you have coop app, go in the discover section to play their quick football game for 25p/50p/£1 offhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty5 -
Delighted to hear your mum has secured your assets into the future. I hope you feel uplifted but comfy!
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
August NSD challenge 6/10
August AFD challenge 9/103 -
Bras aren’t exactly the most exciting things to shop for even though they are essential scaffolding.
I 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 💪1 -
Usuals
Build admin
Two surveys
Entered some competitions, money please thank you
Half wussy situps
More build admin trying to find curtains that fit. Apparently there are none in the world.
Invigilator drinks 🥂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty5 -
Try Terrys for curtains.
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £222 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.1 -
Take it you have tried Dunelm?
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. 13 months left.1 -
Cheers @KajiKita and @beanielou all curtains in uk are standard size which I did not know, and our windows and especially one wall are odd sizes. Just gonna have to buy standard and get them altered, was hoping to avoid another job but that was foolish given literally everything to do with this build 😁
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
Could you not turn up curtains, @PennysIntoPounds - I'm not going to pretend it's anything other than a deeply tedious job which I'd avoid if possible but it is doable to save a few quid.
2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!3
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