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Winter Wonders

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Comments

  • Blackcats
    Blackcats Posts: 4,192 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Blackcats said:
    Decluttered an exfoliator, and cheese and crackers for breakfast
    Strange breakfast combination but assuming the exfoliator removes unwanted calories from the cheese?
    Don't Oxford Comma at me @Blackcats young lady, I thought about where that comma should go 😂
    Ha ha!   Funnily enough I thought about Inspector Morse's explanation to Lewis about the Oxford comma when I was considering your breakfast combo.
  • Rhyddid2026
    Rhyddid2026 Posts: 876 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    edited 5 January at 10:04PM
    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  £3.04
  • Wanna_Bee_Free
    Wanna_Bee_Free Posts: 2,565 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 6 January at 6:12AM
    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 £0
  • PennysIntoPounds
    PennysIntoPounds Posts: 5,565 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 6 January at 4:01PM
    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).

  • Rhyddid2026
    Rhyddid2026 Posts: 876 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    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  £3.04
  • KajiKita
    KajiKita Posts: 9,157 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    That’s a masterful OAT @redofromstart! Well done 👏 🥳🎉💪

    KK
    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. 
  • Suffolk_lass
    Suffolk_lass Posts: 10,778 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 here
  • Wednesday2000
    Wednesday2000 Posts: 8,747 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    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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