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March Forward Into Spring
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3 policies read before bedtime, 13 left for another day(s).
Those 3 were overdue, there's another 4 due by the end of the week.
I've made a good start.
Tomorrow's priority is posting that letter though!Debts 04/01/25 01/07/25
Tesco CC £6,509.97 £5,945.00
NatWest CC £7,612.74 £7,155.00
Lloyds CC £6,112.60 £5,215.00
1st Direct CC £176.03 £4.50
CC total £20,411.34 £18,319.50TSB OD £500 £0
1st Direct OD £600 £250 (0%)
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £9,451.62
Total £36,195.78 £32,021.12
EF £300.001 -
Thanks @beanielou 😊
@rachmac3, I am singing 🎶 “Letter, letter, letter, letter, letter, post me!” 🎶 to the tune of Batman over here! 😉
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 35 books of target 52 in 2025, as @ 13th July
Produce tracker: £205 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
Morning all, bright but cold here. I have written out the details for the insurance, DS will need to give his consent for them to discuss it with me first even though I am a named driver and its my credit card (which is why it hasn't been sorted yet - he hates using the phone too).
I need to find something to do that doesn't involve needing to have a shower/get changed before I go out later. There is plenty of paperwork to sort out but I just don't want to (waily waily waily). I have found a reasonably priced local confidential waste service so I just need to make myself get on with it.
ETA minor progress, I have emailed them back to ask if they accept notebooks/diaries or if it is just loose paper. I could burn them I guess but the local f/book gets very animated about bonfires.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo1 -
Post that letter @rachmach3!
Good going so far @redofromstart. Would a fire pit be acceptable?
Could you do a 15 minute sort to start you off and then go and read a book or go for a stroll?
My main extra aim today is work out what to do about stranger mouse. Did not need its appearance at midnight in the bedroom last night!
Other aims are to:
-Sort out a dragging enquiry with TfL
-Reply to a letter from my penpal friend
-Try to gain some thought progress on what to do with two ancient broken laptops that were my dad's. Would be nice to get a couple of quid for them but not sure if that's possible or where from. Don't really want to chuck them in electricals recycling as I don't know if there's old confidential info on them that could be retrieved and misused
2 -
Hope the interview goes smashingly today @KajiKita3
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As at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 35 books of target 52 in 2025, as @ 13th July
Produce tracker: £205 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Update for yesterday:
🏵️ Finally make a decision about 2 regular savers - I decided to apply for both of the Principality 6 month and the Skipton Member RS
🏵️ Set my potatoes up for chitting - Yes it took less than 5 minutes to gather seed potatoes, egg boxes, marker pen, put them in place and tidy up 🤦 why did I keep putting this off?
🏵️ Read my magazine for half an hour - I read for 25 minutes while OH cooked dinner
My friend got in touch to ask as my garden waste bin was full, if I would like to fill theirs as they have nothing to put in it and it is collected this week (fortnightly collection). I popped around, collected the bin, filled it with stuff we had already cut down and returned it when I went to collect the eldest, we still have a pile to put straight into ours after it is collected. This will be a good help with our project to reclaim our garden this year.
Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
Today's plans:
🏵️ Set up 10 email filters
🏵️ Change my email address with 3 banks
🏵️ Write out a plan for reclaiming the garden in year 1, this is a huge project and after many years it feels like a number of factors have lined up to make a noticeable difference this year.
The first 2 are part of me tackling my digital "paperwork" which is something I want to make more manageable, like @Sallyforth I have systems for actual paperwork it is mainly my system for my virtual digital admin that needs improving.
Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
Others on this thread are marching ahead
and I don't feel like I am making much progress on the two big things I wanted to sort ...
So .... this afternoon, as a rest from the dull work of transcribing a document form one software format into another (don't ask!), I have ordered a small tool box to hold the 'bits and pieces' from the DIY drawer in the kitchen. This will release that drawer, which means the cooking implements drawer can move across into the DIY drawer and the kitchen foil, rubber bands, spare pegs, parchment rolls etc. drawer can move into the kitchen implements drawer (in effect, everything will move one drawer, clockwise around my kitchen). The 'kitchen foil drawer' is the one in the top of the unit that we need to take out for the dishwasher ...
Now I need to think of how to empty the small cupboard below it ....
But at least I have made one step forward today!
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 35 books of target 52 in 2025, as @ 13th July
Produce tracker: £205 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.5 -
Today's two tasks I have been saying I will do since I've been here for more than a month are:
- Tidy bedroom enough so yoga mat and bands can be left by the side of my bed so I can actually do my physio exercises for my back instead of thinking/talking about said exercises
- Change back room and bedroom curtains over so that bedroom at least can have curtains that open properly...back room can wait...
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 0/1000
Buffer fund 0/100
Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)2
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