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Mellow Fruitfulness
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The post office should be open on Monday @SandyShores . I'm at work for part of the day, but hopefully will have time to call in and make a deposit. Fingers crossed for me!
In other news, I've started taking my tree down. Not really an OAT as it's a bit early but it's stopping me accessing the cupboard under the stairs where many OAT related things are.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 -
Because I know some of you are eager beavers who will be bright eyed and bushy tailed on new years day morning (this is not a character trait I personally possess 😁) I have set up our rest-of-winter OATs thread, it will be lovely to see you there if you fancy 😊
https://forums.moneysavingexpert.com/discussion/6648290/winter-wonders#latesthttps://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 Carmichael9 -
Thanks PiP 😊
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.5
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