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Summertime

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  • greenbee
    greenbee Posts: 17,799 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Stinky is a dog. Fatty is a cat. There’s another cat sometimes called noisy or squeaky or fartipants.
  • Makingabobor2
    Makingabobor2 Posts: 4,215 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Didn't get any OATS done today, just felt far too hot.  But will hopefully get on them in the next few days, when I have finished my new planner and actually see what the OATs are. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Baileys_Babe
    Baileys_Babe Posts: 6,266 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Yesterday my OATs were:

    🌼 worked on my digital photos storage project
    🌼 cleared, deep cleaned, decluttered and reorganised some of the kitchen 

    OAT prevention:
    🌼 responded to an email about a future event, immediately 

    I'm not sure of today's plans yet, but I will try to include an OAT.

    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 family 
  • PennysIntoPounds
    PennysIntoPounds Posts: 4,373 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Very welcome @EssexHebridean and a great OAT list to tackle. Obviously everything has to be done at an acceptable pace around daily life, these diaries are entirely about recognising the things that do or will give us that background brain discomfort or heart sinking feeling, and making them actionable, because our poor old brains and hearts don't need extra worries when we could in fact just do or progress the task!

    Surviving this weather without sunburn/dehydration/rash decisions to move to Antarctica absolutely an achievement @Makingabobor2

    Well done @Baileys_Babe, hope you have an OAT scoffing day 
  • rachmac3
    rachmac3 Posts: 368 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    edited 20 June at 12:20PM
    I'm going to reframe my stressy day out yesterday as an OAT and say I was catching up with family members who I (mostly) hadn't seen for a year! No more family guilt for a good few months now. I have paid my dues thoroughly.  :D
    I like to keep my OAT demands contained to the last week or so of the month so I will be joining you all with some proper OATs after I've rested and recovered from a busy two weeks.

    Debts                 04/01/25        02/08/25   

    Tesco CC          £6,509.97       £6,030 (now NatWest2)
    NatWest CC      £7,612.74      £7,080
    Lloyds CC          £6,112.60      £5,075
    1st Direct CC     £176.03         £19.92
    CC total             £20,411.34   £18,204.92
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,246.15
    Total                  £36,195.78   £31,451.07
    EF £400.56
  • KajiKita
    KajiKita Posts: 7,681 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    3 loads later and all of Mr KK’s conservatory stuff is on the line ….

    KK
    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 = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
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