2025 GOALS
15/25 classes
15/100 books
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Spring In Our Step
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Well @KajiKita do let Mr KK know that he is ticking off several of the core spring/summer trends for this year!4
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PennysIntoPounds said:Well @KajiKita do let Mr KK know that he is ticking off several of the core spring/summer trends for this year!
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.3 -
I've sown two kinds of carrots, rocket, salad leaves, two kinds of radishes in planters - and realised I need more lettuce seeds so put in an order from Real Seeds. I also scraped half-heartedly at the couch grass in the orchard and scattered the wild flower seeds that should already have been sown. At least they are now in!
Yellow rattle plugs for the orchard are due today, so I'll aim to get those in as soon as possible.5 -
I vacuumed this morning and mopped the bathroom and kitchen floors. My husband took my donation bag to the charity shop when he went out.
I have decided to use my husband's old computer desk as a dressing table so I bought a makeup organiser from Amazon and have rearranged my makeup, face packs, mirror etc... onto the desk this afternoon. I might buy some peel and stick contact paper to put on the surface of the desk or maybe buy a tablecloth to make it look nicer.
I have booked a pedicure as I haven't had one in months and the weather has been warm enough for sandals at times lately. I need to call up and book a routine dentist and hygienist appointment on Monday as I just got a reminder email.
4 -
Took me an hour of sitting on the phone to two different pension companies this afternoon, but I now know how to pay in extra contributions and reallocate the funds between different investment vehicles.OAT done!
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 -
I know all that KK, and have DDs set up for contributions, but I haven't done anything about rationalising the funds and consolidating the various pensions. Which I really should...2
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I shifted some money over to my ISA which I had been meaning to do since 6th April.
I checked online and HMRC have now split my tax code over the two spousal pensions which will help with cash flow.
My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo3 -
I handed back equipment to my old job. I can now sort my tax code because they had split it over my two jobs even though the old/second job was only an occasional few hours.
I did one gross OAT - I sent my tortoise poop off for a wormcount. I've been trying to get one of his poops since September.
It's the last week of the month now so I will try and be a bit more focussed on OATs.
I think tomorrow I'll put the sofa covers back on the one sofa, but I'll have to try and fix my washing machine before I try washing the covers from the other sofa.
I'll have a think about some other OATs to put on the list.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 £300.003 -
greenbee said:I know all that KK, and have DDs set up for contributions, but I haven't done anything about rationalising the funds and consolidating the various pensions. Which I really should...
Unfortunately, having got myself organised, I have since had two further employers and two further pensions one of which will only have two months worth of contributions in it …. Aargh! 🙄😂
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.2 -
That’s what happened to me … amalgamated some and then acquired more. So need to do it again as funds (and therefore fees!) have proliferated. Also need to sort out funds for current work pension as the default is performing badly.
However, tomorrow I need to get pots set up and filled in the greenhouse so I know exactly where every veg plant is going. It won’t work if I take them out there, pot them up, and then decide. So pots first - arranged, filled, and then planted. The seed trays arranged, filled, and sown.Houseplants need watering too.3
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