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Mellow Fruitfulness
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I've got a photo book on my OAT list too, although I've not even started it yet!
What i have done, however, is finally stuck up the ceiling panel that fell down in about February 😬😂 hoping it doesn't fall down again 😬4 -
Well done @Cheery_Daff, that is excellent OATing
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 Carmichael3 -
Fitted the new ironing board cover.
Unpacked, assembled and placed the new toilet brush.KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- 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 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 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.4 -
That's 4 whole OATs @KajiKita !!Debts 04/01/25 02/02/26
Natwest2 £6,509.97 £5,100
NatWest CC £7,612.74 £6,535
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £3.53
CC total £20,411.34 £16,088.53
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7,655
Total £36,195.78 £27,743.53
EF £1,100.13
HF £101.432 -
😂😂😂 That’s a little generous but I’ll take it … 😉Rhyddid2026 said:That's 4 whole OATs @KajiKita !!
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- 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 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 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.3 -
Finally managed to send a parcel back & have been to the library. Also managed to wangle cardboard in the car for a skip run.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.5 -
Went peculiar and set the oven clock to the correct time, and had a big sort out of shoes!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 Carmichael5 -
That Greenwich laser is a bad influence4
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I really, really MUST book the septic tank emptying tomorrow, and book my car in for it's recall appointment.
On the plus side, I can also start putting things back in the hall as it's almost done. Landing will have to wait for carpet on 2nd Dec.
Not sure what to do about the bathroom smell though.4 -
Haven't done anything about the septic tank, car, or hotel/train for my hospital trip. But I've ordered vine eyes and wire for training the fig and blackberry in the veg plot.
Handyman identified the smell as one of the types of sealant he used to sort out the shower. It may take a while for the smell to go unfortunately. But if I move back into my bedroom it'll be less annoying.4
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