We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
PLEASE READ BEFORE POSTING
Hello Forumites! However well-intentioned, for the safety of other users we ask that you refrain from seeking or offering medical advice. This includes recommendations for medicines, procedures or over-the-counter remedies. Posts or threads found to be in breach of this rule will be removed.📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Winter Wonders
Comments
-
Ha, that's the very definition of an OAT 😂 well done! 😂Blackcats said:Ok it's time for folks to brace themselves for the most ridiculous, overdue task that has been tackled today - I sharpened my getting blunter and blunter eye liner - it's been annoying me for quite sometime and it took 3 twists in the sharpener and under a minute to complete including finding a sharpener and putting the sharpener back where it lives.2 -
Bravo @Blackcats
Make-up OATs are always tricky, I guess because it feels like there's no time to sort things when you're putting it on as you're inevitably doing so to go out
I should at some point go through my make-up and get rid of bits that haven't been worn for years, but as they're small items it's quite far down the list!
However, I probably don't need the box they're in which would free up a bit of space, hmm...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 Carmichael2 -
I've done overdue paperwork for my DM & paid extra for the postie to pick it up tomorrowI 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 -
Maybe we could themed OAT days in the future - make up, herbs n spices, socks, paperwork, DIY or whatever.
I painted my gas cupboard finally. I can now put the ornaments and lamp back on it and put all the painting stuff away.
I did not clean the coops because I decided to stay in my PJs all day. I'll do them tomorrow, I'm WFH. Yes, I will regret this decision tomorrow.
I made a meal using up lots of veg. I made a kind of minced lamb and veg shepherds pie filling. I'm going to freeze it in portions and then I can decide when I use each portion how to finish it off/top it. I had it for tea and topped it with potato slices. I took a couple of risk but luckily they turned out ok. I used minced lamb, red and white onion, carrots, spinach...... cubes of celeriac (risk 1) and some cubed cooked beetroot (risk 2) that needed using up. I figured they're all root vegetables after all. I used another potato - this time from the store of large baking potatoes.
I have started outlining my lecture notes. Literally a few bullet points but it's a start. I'm hoping they're all really curious and chatty and I can just fill the time answering their questions and discussing interesting things rather than rely on slides. I should probably do the boring slides to be on the safe side though.
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’ve done an OAT that has been looking at me for months!I have sewn up the bottom, front edge, seam of a down filled gilet. It took me longer to get the sewing box and thread tin in and out of the craft cupboard than to do the job. I am however, no longer, leaving a trail of fluff behind me, wherever I go! 😊💪👏
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.6 -
I went to a class last night and I couldn't get home with public transport or taxis and so I had to walk the 45 minute walk home in the cold. I was so annoyed as it isn't the first time it has happened around here. I decided not to do any more classes at night in that area as doesn't feel safe to me to be walking on my own in the dark.
That meant this morning I had some admin to do as I had to cancel my memberships to certain groups I joined. I also called up to say I hadn't had any response to the fire safety check. The woman on the phone said quite a few had made the same complaint to her so at least now that was sorted out and they can give me a date soon, hopefully. I can't believe it is gone midday already! I'm not even dressed or showered yet.
Typically, I have three more evening classes this week that I have already paid for. Two people have offered me a lift for two of them, but I might just have to miss the third class.
Anyway, I have booked myself a massage at the weekend as a treat. I'm going to wear my new necklace out tonight.
5 -
Could you book a taxi prior to the 3rd class so that you don't have to miss it? Where I live it's almost a necessity to book in advance for evening taxis!
1 -
That might be what I will have to do if I want to go.joedenise said:Could you book a taxi prior to the 3rd class so that you don't have to miss it? Where I live it's almost a necessity to book in advance for evening taxis!
2 -
Yes, where I live I have to prebook taxis as well.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.3 -
Two vinted listings, two more lined up.
Bravely decluttered some more chocolate panettone for breakfasthttps://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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.4K Banking & Borrowing
- 254.1K Reduce Debt & Boost Income
- 455K Spending & Discounts
- 246.5K Work, Benefits & Business
- 602.7K Mortgages, Homes & Bills
- 178K Life & Family
- 260.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards




