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Winter Wonders
Comments
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Ha ha! Funnily enough I thought about Inspector Morse's explanation to Lewis about the Oxford comma when I was considering your breakfast combo.PennysIntoPounds said:
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 -
So far I've worked out what dates I need to cover, written down the dates of the three invoices I sent out, and found the date I registered the business. I also tried to work out 21 months from that date, but somehow I decided that there was 14 months in a year. I've eaten a whole large mint aero and bitten all my nails. I got as far as registering a government gateway thingy, but it's not letting me log in, it doesn't say why, just keeps taking me back to the log in screen.
I think I'm going to de-stress by doing some dishes now, but I will probably give you a shout tomorrow @PennysIntoPounds and @redofromstart ! I've done enough for one night.
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 -
I think I had to wait ages for an activation code through the post. Did the message say anything like that?
Saturay OATing here was OH cleaning out the deep drawer under the kitchen and quite a lot of pottering and tidying by me downstairs. I also started using up some of the freebie trial size face treatments that came with my full size Xmas gift from OH. I wore my fave earrings too.
Sunday and Monday I helped others. I had a lovely cup of tea out of a machine at the bank, a cashier offered who wasn't with anyone and it made me feel very looked after for some reason. It's the little things.https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
January NSD challenge 4/10
January AFD challenge 1/14
2026 Art pass savings £12
2026 Railcard savings £03 -
I am loving the Oxford Comma debate! So funny. I read it as an unusual breakfast combo too, BTW @Blackcats!

Here I just went to Auntie's funeral but I represented our branch of the family (my Mum's - she is now the last surviving of her siblings or their spouses now). It was a lovely catch-up and I need to make more effort really. I am the youngest down south.
My gift to my Mum and Sis was delivered on Sunday and they opened it together yesterday - a stack of jigsaw stacking trays - it should prevent the lost pieces when someone moves a tray 2mm in future - they do them together. Me? I'm more of a veg grower and beekeeper - I prefer being outdoors, but they are 435 miles north of me, and Mum is 96!Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
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 here5 -
Decluttered the last of the mince pies and a coffee machine
@Rhyddid2026 you may have to wait for them to send you an initial log-in I.D., which is annoying but in the meantime as long as you get all the info together, the actual form doesn't take too long (apart from regular breaks from the sheer tedium).
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Maybe I should go check the lockable drawer where I shoved all the business related stuff 18 months ago 😂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 -
Do you need to do a companies house return as well @Rhyddid2026?
I have finally crossed off a niggling OAT in that I stayed on hold long enough to speak to reception for under a minute to arrange a telephone appointment for some new medication I've been advised to take. This has taken a month to sort out because they never answer the phone and there wasn't an option to ask the question any other way than in person. Twenty minutes on hold as 'number one in the queue' which is usually beyond my tolerance point before I rage quit.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo5 -
As 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 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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.0 -
Mr Sl was on OATs today - decs from outside bagged and stored in loft, appointment for solar fix made and email to (Village Hall) broken table manufacturer sent.
I decluttered (?) a peeled uncooked parsnip and a frozen gammon joint to DS so there is more room in the fridge and the kitchen freezer!Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
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 -
I was given a flyer for a free fire safety check so I just tried to book it up online. I have booked myself a taxi to go out later as I don't like waiting for the bus when it is so cold. I was going to look for a new red coat today so I will look round the chazzers and then if not go into a store to look for one new.
I'm going to wear my new gold earrings out today.
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