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An in-between phase
Comments
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Enjoy the Mac cheese and the body serum. Pampering for inside and out ❤️
KK
As at 18.06.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £214,281
- 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 48 books of target 52 in 2026 as @ 7th July.
Produce tracker: £157 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 -
Thanks @KajiKita while mac cheese isn't the healthiest I was pleased to have cooked something as we've been eating so much UPF recently as we've been so ridiculously busy with work and build. I'm not against UPF per se, but if you struggle to remember the last time you cooked 'from scratch' it's probably time to do so!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty4 -
It’s hard to cook in hot weather as well, don’t forget. I cooked from scratch three times today - 2 were successful, one was a bit meh, not to be repeated I think …. 😉
KK
As at 18.06.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £214,281
- 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 48 books of target 52 in 2026 as @ 7th July.
Produce tracker: £157 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 -
Shower and hairwash using free toiletries
Survey
Brunch out with Mr PIP as my belated birthday treat
Steps getting essentials and dropping off a vinted sale, found a couple of items of clothing
Entered some competitions
Vinted listing
Couple of beers with Mr PIP (with camra discount)
Hope everyone is having a good Sunday 🍻https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Brunch and beers sounds like a good day!
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Belated birthday brunch and beers sounds good 🍻
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 💪2 -
Oh PiP I am sorry to hear about your awful news - it just sucks that so many young men in particular are reaching a point where they feel that they simply can't cope any more.
🎉 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 -
Survey
Usuals
Half wussy situps
Invigilating
Steps dropping off a vinted sale and getting milk at coop members price with weekly offer discount
A very hot feeling 31 degrees today. Went pub.https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
I have had my heating on. In July.
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. 14 months left.3 -
Oh my days @beanielou. I feel like I'm in a radiator walking down the street! * wafts some heatwave towards beanie *
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty5
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