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Mellow Fruitfulness
Comments
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I have finished rectifying the coving! Woohooooo!
As long as nobody looks closely it'll be fine. I'm planning on painting the living room in the next few weeks anyway, so I can file it down again and do another layer of polyfiller in some spots, but it's good enough for now and I can put the furniture back.
I have also collected my meds for over Christmas. Winning.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 £101.435 -
Finally finished filling the hole around the boiler flue. It's only taken a few months. I got bored of filling it with rocks n mortar, I finished it tonight with scrim tape and polyfiller.
Anyway, another OAT done.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 £101.434 -
I know it's still technically boxing day, and I am resting after a day of seeing family, but I am raring to go on the OATS and want to have one big push before the end of the year.
I need to finish packing my relatives stuff, get quotes for shipping, do some tip runs, sort out my tax and close a business I don't use, close a bank account tied to that, generally tidy/declutter, and start putting together something for a job I've got later in January.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 £101.435 -
I couldn't buy my premium bonds as I couldn't put my money into my bank, as the post office was closed. The chemist was also closed so I couldn't pick up a friends prescription.
I have requested shipping quotes for my relatives stuff, but it's not very straight forward as different companies require different info to give quotes - some just want the size of the current boxes, some want it packed in their own sized boxes, some want the weights of the boxes. I have one rough quote to pass on, but I think the other 3 companies will probably call me next week to go through it. I am already feeling irritated and I will feel more irritated if I have to repack everything into slightly smaller boxes. Of course I will grit my teeth and get through it, but still. Grrr. I would really like my living room back now. I dream of being able to close my curtains (slight exaggeration, my dreams are far more exciting).
I have managed to take 2 carrier bags of clothing to the charity bin.
I've just opened the wine to help soothe my irritation. Cheese will also help.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 £101.431 -
Intrigued about your dreams now! Enjoy the wine, I would be really frustrated to have to repack everything. Hopefully it won't come to that. I started reading your diary from the start and I've got to April, you are doing great back then, driving down your overdrafts like anything. I'm about to find out how villa your holiday went
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
February NSD challenge 1/10
February AFD challenge 2/14
2026 Art pass savings £29.50
2026 Railcard savings £02 -
While this is the mse forum, I think on this occasion @Rhyddid2026 it would be absolutely fine to go with the company that just wants the size of the current boxes, and save yourself the job of having multiple conversations and repacking.
Not doing your nut plus speeding up the process and getting your living space back is priceless!
Enjoy the very deserved wine and cheese 🥂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 -
I 100% concur!PennysIntoPounds said:While this is the mse forum, I think on this occasion @Rhyddid2026 it would be absolutely fine to go with the company that just wants the size of the current boxes, and save yourself the job of having multiple conversations and repacking.
Not doing your nut plus speeding up the process and getting your living space back is priceless!
Enjoy the very deserved wine and cheese 🥂
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 -
As do I! I think that the most important thing here is for you to reclaim your space ASAP and with as little added aggro as possible! XI 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: £204
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Ah, thanks everyone. I'm not paying, so I hope the relative agrees! I've given them the dimensions of the current boxes in case they want to get some quotes of their own.
In the meantime I've drunk half a bottle of wine and taken my irritation out on some house work
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 £101.435 -
Hope you manage to get your PBs purchased before the end of the month Rhyddid2026, so they can go into the following month's draw (and win the million!)Rhyddid2026 said:I couldn't buy my premium bonds as I couldn't put my money into my bank, as the post office was closed.
"Think of many things, do one"
Mortgage 30Jan'26 est. £204,205 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga3
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