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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.
As you plan to be there early, you could always mention your reason for wearing earbuds to the instructor so they know you are not being rude.
Well done on working out what was stopping you going to the gym and finding a solution.
Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family5 -
I’m trying to clear out the conservatory by selling books but to do that I need space, so I need to do a charity shop run … Rang the local hospice shop and yes, they will take donations on Friday after work, but they won’t take books, dvds or cds, any Christmas stuff etc etc … They will also check my donations when I take them in …. 🙄
Oh well. I will pack up what I can this evening and load it in the car tomorrow night and see what I’m left with. I may just give up and take it to the tip on Sunday!
KKAs at 15.02.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £220,873
- 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 14 books of target 52 in 2026 as @ 15th February.
Produce tracker: £44 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 -
Decluttered an unused laundry rack and finished a bottle of travel shampoo. Also doing sterling work decluttering a packet of Christmas shortbread
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 Carmichael4 -
Vastly admiring of your determination to rid us all of Christmas left overs. Your service is appreciated! 👏😊
KK
As at 15.02.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £220,873
- 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 14 books of target 52 in 2026 as @ 15th February.
Produce tracker: £44 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 -
I got dressed today but then got annoyed by both the bra and the jumper I was wearing so took them off this afternoon and put them in the appropriate donation bag. There is no need for me to hang on to things that don't fit well and don't look good
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 £101.432 -
I consumed the hospital OAT and spoke to "my" consultant's secretary. She said she will look in to it. I expect a letter but I suppose he might call (he did once). I did stress to her that I wasn't pressuring for an appointment - just some feedback that showed he had seen and considered the results, and had decided what next. I do feel a letter about the appointment system needs to be sent so they learn from it. Hurumph, another OAT
Save £12k in 2026 #2 I have banked £865.15 in January 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 £138.39 for January and a bigger target of £300 for February, with lots to stock up on
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 here3 -
Ah well done @Suffolk_lass that was a ghastly OAT 🥂 Letter is a good idea, doesn't need to be a big OAT, if your GP has a suggestions box you could pop a quick note in there saying what happened and could they please make sure relevant eyes see it. You've already written most of it in your previous post!
Fabulous work @Rhyddid2026 this is exactly what we should all be doing. I did bravely declutter a shirt I love into the vinted pile as it just doesn't fit right anymore, and now I feel guilty as it holds memories. Repeat to self PIP: 'Inanimate objects don't mind, inanimate objects don't mind'
Thank you @KajiKita. I may well continue fighting the good fight by having some chocolate tonight * salutes *
Inspired by @Sun_Addict and @EssexHebridean I am determined to use up some random cupboard contents for dinner tomorrow while Mr PIP is out so if its very odd at least only one of us suffers 😁 Having said that, I have to be up horribly early for work tomorrow, so if I'm too knackered then I'm determined to do it this weekend (and both of us can suffer 😂)
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 Carmichael4 -
My major one this week is having to speak to the surgery. I think the hospital has sent both the letters to me & not one to the doctors. The letters seem to have two pages & they fold them differently depending on who they are going to. Must do tomorrow but they can wait for the actual letter until Monday if they want it even though my appt is Sunday.
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@badmemory I think I've previously had letters that were meant to be passed by me to the GPs, I'm all for the NHS saving on unnecessary costs but the price of stamps (though admittedly eye watering 😁) does not seem like the place to start for funding more doctors, nurses, and equipment. Hope the speaking and the appt go well
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 -
I don't see why they're printing letters to send to the GP. Mine arrive electronically on the NHS app, and get to my GP that way.
3
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