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Winter Wonders
Comments
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Strange breakfast combination but assuming the exfoliator removes unwanted calories from the cheese?PennysIntoPounds said:Decluttered an exfoliator, and cheese and crackers for breakfast2 -
I set up online payments for my dad's paper bill and paid this month's bill. So much easier than taking his cheque to the shop which was always a pain.
organised our herbs and spices which now look very neat.
Christmas Decorations are all boxed up and stored away in the loft.
3 -
Finally stopped snowing long enough to dig my steps out (again) and a path to the road (again). Snow was three spades deep. Pondering digging my way into the back garden so I can get my mini spade to bring with me tomorrow. That's a job for daylight though.4
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That's an epic amount of snow!! We've just had an inch or so.WelshmansDaughter said:Finally stopped snowing long enough to dig my steps out (again) and a path to the road (again). Snow was three spades deep. Pondering digging my way into the back garden so I can get my mini spade to bring with me tomorrow. That's a job for daylight though.
A small OAT here - I put December's photos onto the laptop and wrote a blog post.
Failed to ring the garage though which was the important thing on the list 🙄😂 An OAT for tomorrow!3 -
Anyone on here do self assessment tax stuff? It's a massive OAT of mine and I'm running out of time. I set up a company in 2024 and did a little bit of private work, but then got my new job and stopped. I need to close the business down, but I need to figure out this tax first.
In slightly happier news, I just tried to log in to HMRC, logged in to my personal account rather than the business one, and apparently HMRC owe me £349!! Woohooooooo!! Nice of them to tell me (they worked that out in June 2025).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 £3.041 -
Achievement of an OAT today. Finally phoned garage to check that service & oil change covered by leasing company. It is & it’s booked in & they can collect car. Win win.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.4 -
Don't Oxford Comma at me @Blackcats young lady, I thought about where that comma should go 😂Blackcats said:
Strange breakfast combination but assuming the exfoliator removes unwanted calories from the cheese?PennysIntoPounds said:Decluttered an exfoliator, and cheese and crackers for breakfast1 -
I do though just as a freelancer rather than a private company. Where have you got up to?Rhyddid2026 said:Anyone on here do self assessment tax stuff? It's a massive OAT of mine and I'm running out of time. I set up a company in 2024 and did a little bit of private work, but then got my new job and stopped. I need to close the business down, but I need to figure out this tax first.
In slightly happier news, I just tried to log in to HMRC, logged in to my personal account rather than the business one, and apparently HMRC owe me £349!! Woohooooooo!! Nice of them to tell me (they worked that out in June 2025).
Excellent rebate!2 -
Absolutely nowhere Pip, I started at the end of the summer, then promptly gave up and avoided it until now. When I say started, I possibly just thought about it, or looked at the screen or something. I will go and try and find out. Or at least gather some info to help myself out with it.
Ok, this is hard. I need to get some fresh air, caffeine, and paper and pen. Putting it here to hold myself accountable. Someone check how far I've got tomorrow if you haven't heard from me
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 £3.042 -
@Rhyddid2026 I used to work via my limited company and did the corporation and personal tax stuff. Feel free to message me if I can be of any help.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo3
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