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Mellow Fruitfulness
Comments
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Thanks for the comments about Vinted
you have just reminded me to take Holiday mode off as I am due home on Saturday so can deal with any sales at that point4 -
And that's reminded me to put mine on soon!
Work OATs done, DSE assessment done and some IT phone upgrade thing arranged.
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 -
After a crazy, mad busy day I dead headed the cut flower patch when I got home from work before the rain came 😊
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.3 -
Cleaned the fridge! As predicted it took about five minutes and did not in the slightest bit merit the OATy side-eye it had been getting for weeks. And for most of today.
Probably would have shunted it on to many days to-do lists if it weren't for pledging it on this thread, so thank you everyone for keeping on being inspiring by doing and declaring your OATs of all shapes and sizes!4 -
@PennysIntoPounds - Sounds like your refrigerator is in better shape than mine! I started cleaning it - and after two hours, I am still working on it. Will probably need to finish it over all of next week! Relying on my roommates to clean up after themselves obviously didn't work. I now have very sticky shelves still to clean up.3
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Right I have a free day and a list of OATs I keep ducking.
- List two ebay things
- Tidy up the front flowers < 10 minutes
- 5 more minutes of sewing my friend's bag. Hopefully more.
- Visit the library, borrow a book and check my account balance. This became an OAT because I am sulking they charge £4 for SELMs now and it was cheaper on ebay so I cancelled my request and ended up owing them money. The nice librarian refunded me manually but then it didn't seem to work. I need to pull my big girl pants up and pay the £4 if I need to.
- Transfer photos off phone to computer - no idea why I am so resistant and terrified of this. Scared I will delete them all.
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
January NSD challenge 8/10
January AFD challenge 2/14
2026 Art pass savings £29.50
2026 Railcard savings £03 -
3/6 things done so far:
- Listed one of the two ebay things
- Tidied up the front flowers
- Visited the library, checked balance. It was zero so no hassle on that one. Borrowed 3 books - woot woot!
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
January NSD challenge 8/10
January AFD challenge 2/14
2026 Art pass savings £29.50
2026 Railcard savings £02 -
My oat - look in the box beside the freezer and decide what to do with the stuff.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
I've booked both cars into the garage - one for an MOT, the other because the heater has broken 😬3
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Ooh, and FINALLY cancelled a magazine subscription that was a present for my dad for Christmas 2023 😬
And picked a load of damsons 😊 Definitely an OAT - all of my other fruit this year has gone to the birds 😬3
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