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An in-between phase
Comments
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Delighted to read of a rest day! Much needed I think …
KK
As at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 78 books of target 52 in 2026 as @ 29th October.
Produce tracker: £348 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 -
glad your mum liked your new home. Mum's
mums have excellent judgement about important things for their daughters!4 -
Reading & eating is good for the soul.
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.[/b] [11 months left.[/b]3 -
I should think that day of downtime was rather overdue!
🎉 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 at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00 at 31/12/25 = £ 91,100.00
Balance as at 31/08/26 = £ 84,500.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Shower and hairwash using free toiletries
Admin
Tidying
CompingEntered some competitions, today I'm mostly looking forward to winning spooky candles with a Korean thriller book
Build admin
Three receipt surveys
Catching up on various bits of life adminSteps going to lidl, picked up my free demi baguette
Finally found a dress someone sent an offer for on vinted, fortunately she thoroughly sympathised with the house moving and was patient!
PiP money, shares to usual pots, got enough for minimum OP and a start for next go
Aim £500
Got £25Steps going for beer with Mr PIP, cheesy potatoes prepped. Happy Mondays all 🍻
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty7 -
Now I want cheesy potatoes!
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.[/b] [11 months left.[/b]2 -
a free demi baguette - how very continental
2 -
Well done on finding the dress. Every little helps.
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 #1242 -
The cheesy potatoes were fantastic @beanielou, we did one with red leicester instead of the usual cheddar and it was banging (as obvs was the cheddar), definitely get some cheesy potatoes in yer life this week 😁
You don't get much more continental than an app freebie from a German supermarket eaten in East London @Blackcats, I bet the people in the vineyards of France and on the piazzas of Italy are weeping at what they could have had
Thanks @lucielle, have been looking for it for days and of course it was in the very last place!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty6 -
Usuals
A long and boring session contacting random independent shops about selling this oven
PB money. Was in such a grump after being woken at various points last night by foxes and next door that I put majority in current account and rest in North London pot
Free exercise of half wussy situps
Did OP to mortgage. Ha, in your face, terrible mortgage provider
Spec work
Steps getting lidl free cookie and joining the library
Bit more unpacking
Steps dropping off soft plastics recycling
Glass of rosè in the 'garden' now, have to admit it is so nice just being able to step outside into one's private space. Obvs the rosè is from the reduced to clear section in the tesco garage that I spotted and thought I'd have a quick gander at!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty8
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