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Summertime
Comments
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Drain man called today, so replacing the septic tank lid is now planned for sometime end August/early Sept.3
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Tomorrow I plan to finally put new cooker hood filter on, that has been sat in drawer for weeks. Also some more finance admin.
After finally ringing and making blood test appointment....and actually going for it today. I now need to ring dentist tomorrow as I think I have a loose crown! Been saying all week I would ring, so I really must.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
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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-up4 -
Took some pictures for vinted listings. Granted, I didn't write the descriptions or list them, but A Start has been made5
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Weeded a very messy bit of my garden that has been visually offending me for some time! It now has some pretty things in it 😊
Less exciting, I cleaned the bathroom.
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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.2 -
I sent a message to cancel out joint gym membership. Also removed the strimmer from the car (I picked it up from the menders several days ago) and strimmed the garden. Looking much better now!4
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I booked my MOT for Thursday.
Did my mileage for work.
Started podding my field beans while I cooked my tea.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 -
Listed a bundle of clothes on V1nted and 3 listings also done to flebay and 1 to fb00k. I am determined that things are going!
2 things previously listed on fb00k sold this morning 😊I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £205 -
I had two classes the past two nights and I feel quite tired. I'm now on 18 out of 25 classes for 2025.
I want to finish the book I started yesterday and have a bath and just potter around the house today and maybe tomorrow. I am going to make up another donation bag for the charity shop and take it when I have finished my two charity shop books so I can add them to the bag.
Amazon is delivering some paint today as my husband is going to paint the banisters before we get the new carpet on the stairs the following week.
Next week I have to pick up my library books and I have an afternoon tea in London and am meeting some friends afterwards for a drink. I have a reiki session and a therapy session too. I might go and see a film at the cinema one day. We are getting the radiator replaced next Friday.
One OAT is to check the interest on our savings account as I think that has been a year now since we opened it up.5 -
I finally showered down and scrubbed our disgusting recycling boxes - they were soo stinky. I now have a pile of recycling building up because I don't want to muck up my nice clean boxes!https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
January NSD challenge 9/10
January AFD challenge 2/14
2026 Art pass savings £29.50
2026 Railcard savings £04 -
Today's not to old OAT is to change/set up the DDs for my credit cards from my new account in prep for switching.
Nicer OATs are getting my hair cut for the first time this year, and a meal out with old work friends
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 £3.044
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