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OAT begun - booked the car in to get the brakes (which are a bit noisy) looked at on Friday 13th …
KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 23 books of target 52 in 2026 as @ 28th March.
Produce tracker: £59 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 -
Spoke to my boss about changing hours. Have little hope that it will actually work out but at least I tried.
3 -
Using up the odds and ends of things in the fridge in wraps for dinner
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 Carmichael1 -
The cordless vax is working again, not quite like new but definitely usable.
I've got the dehumidifier running in the conservatory because the wood is unusable after the days of torrential rain and the soil in Trev's box is a bit too damp too.
Gentle OATs for me this week, chasing up the change in circs for my new job role ASAP, and chasing up HR about increasing pension contributions if I haven't heard from them by Wednesday.
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.763 -
I've got to steel myself to contact the consultant my pelvic scan results should have gone to. Thanks to an admin mess up (sending me to the wrong hospital and allocating to an unknown doctor), I suspect he has not seen the results, so I need to nudge it back into view. It's a new system and naturally, nobody thought to mention to the admin appointments team (now doing this centrally) that there are postcodes for one County in the other that is covered by the system 🙄. Had I gone to the appointed hospital, they would have had no access to my records, why I was there, or any continuity of view. I managed to get a different appointment but the "wrong" consultant (at the wrong hospital) is still showing as the appointed medic!
Save £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here4 -
That sounds stressful @Suffolk_lass I hope you managed to get it sorted.
I've used up my last Christmas cheap veg red cabbage.
I've been in contact with HR and business admin, not got it sorted but have made some steps towards it.
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.763 -
Lawks @Suffolk_lass what a total balls up. Definitely get that sorted tomorrow if you can, then feel absolutely justified in doing nothing else productive all day apart from lying down in a dark room
Lovely decluttering there @suprisinglynice and what commitment also decluttering some blood 😁 Hope they say useful things to you very soon
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 -
Submitted expenses claims for two things I bought for work on my CC - not a huge amount of money but it should be mine not theirs!
Ran around and scooped up the contents of all the internal bins to go out to the black bin now that it has been emptied.
Mr KK cleaned down the hob and splash back after dinner tonight 😊KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 23 books of target 52 in 2026 as @ 28th March.
Produce tracker: £59 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 -
It is a gorgeous sunny day here today. The sunny weather is making me notice that I need to dust.
I went back and looked at January on the calendar and I did 13 classes in January. I think I am going to scale back on the classes as I said I wasn't going to do as many this year.🙄
I did have two classes yesterday, but I enjoyed them both. The tutor is going to be busy in the next couple of weeks so I won't see him again until near the end of the month, but that is fine as I wanted to cut down.
My husband is going to send off the forms for the pet insurance today. I need to start another book group book.
I'm out in London next week so I ordered some clothes and boots from New Look as I saw they had a 50% sale on. I have the fire safety check booked for this week too.
3 -
After months of not going, and considering ending my gym membership, I have booked on to yoga this evening and pilates on Friday morning as I have the morning off. I hope I don't seem rude having ear buds in, but in one of the classes they play the same songs in the same order and one of the earlier songs brings up bad memories. It's a bit silly that part of the reason I haven't gone to a class I love is the one song that's played so I bought discreet in ear buds and I plan to get there a little early and get a spot in the corner.
I had a little look through my underbed drawer where all my sporty clothing is stored. So much running gear that I'll probably never wear again but can't quite let go of yet. I did find two new pairs of compression socks though, and a friend has been thinking about getting some, so she can have those. I've pulled a few items out to try on and decide whether to keep or donate. Doing a few at a time might be more manageable.
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.764
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