We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
PLEASE READ BEFORE POSTING
Hello Forumites! However well-intentioned, for the safety of other users we ask that you refrain from seeking or offering medical advice. This includes recommendations for medicines, procedures or over-the-counter remedies. Posts or threads found to be in breach of this rule will be removed.📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Summertime
Comments
-
I realised the garden bin was due for collection tomorrow and it only has grass clippings in it so I spent a frantic half hour putting in as much as I could.
Worked on my digital photo project.
Decluttered another area of the kitchen, still a lot to sort out.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 family3 -
@Blackcats that sounds lovely!
I almost forgot today's task, remembered as I was going to bed. Got a bag, took it upstairs AND put stuff for the charity clothes bin in it. Result!Debts 04/01/25 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.043 -
Went to put something down to "deal with later" last night, then remembered this thread and picked up up and just dealt with it there and then...OAT prevention!
Task for tomorrow will be to activate my new bank card, then I can change the pin to the one I will remember and the pin document can then go for shredding!
More photo deletion from the phone today, I think - that can be a lunchtime task as I am unlikely to have enough book left to read to fill my time.🎉 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/her4 -
First drafts of our wills were drawn up today. We added the visit to the will writing place with lunch at our favourite seaside restaurant followed by a walk along the beach. It was very blustery on the beach and I deeply regretted my choice of wearing a floaty summer dress 🙀7
-
Good job then @Blackcats.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Back in 2011 (based on a sticker on the bath!) we thought it would be a good idea to split the biggest bedroom and add an en suite. The work was part done and then paused as we ran out of time or funds. Yesterday I finally got to flush a toilet in that bathroom. I think that qualifies as an OAT!It still needs some carpentry and painting but huge process on something I had a bit of a mental block on.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo7 -
Well done BC! Well, not on the dress obviously, although any dirty old men lurking round the beach probably enjoyed it! 😆🎉 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/her1 -
Well done redo, that must feel like a weight has been lifted.redofromstart said:Back in 2011 (based on a sticker on the bath!) we thought it would be a good idea to split the biggest bedroom and add an en suite. The work was part done and then paused as we ran out of time or funds. Yesterday I finally got to flush a toilet in that bathroom. I think that qualifies as an OAT!It still needs some carpentry and painting but huge process on something I had a bit of a mental block on.
You have reminded me that our downstairs toilet ceiling is still bare plaster from our 2010/11 renovationFashion 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 family3 -
@redofromstart, well done. That must take the award for the best OAT ever.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,424....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1150/£3000
.
Studies/surveys January £35.35
Decluttering items 1402/2025. 49/2026
Books read 23 in 2025. 2026- 2 (target is 52)
Jigsaws done 20 in 2025. 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Marvellous work everyone, and an extra gold oat award for @redofromstart!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.2K Banking & Borrowing
- 254K Reduce Debt & Boost Income
- 454.9K Spending & Discounts
- 246.3K Work, Benefits & Business
- 602.4K Mortgages, Homes & Bills
- 177.9K Life & Family
- 260.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards