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Well done on your flat cleaning PiP! 😃
Back out in the garden for me. Dug two old metal farm gates out of the grass, I've been tripping over them for years so this definitely counts as an OAT 😂 More work on piling up stones round the outside edge of the veg patch to make a flower bed, and I've just mown the grass for the first time this year 😃
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That is proper OATing that is @Cheery_Daff well done!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Renewed Chloe’s P3tplan policy for another year. It makes both of us, well Mr KK and I anyway, not Chloe!, feel more secure 😊
KK
As at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- 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 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 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.2 -
Well done @KajiKita insurance is such a boring job but one is blimmin grateful to their past self if its ever needed!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
I’ve always been deeply sceptical about pet insurance, but when we needed it for Chloe-bean it 100% came through for us and it was wonderful to be able to bundle her up and rush her off to the vet without doing that horrid back of head calculation on how much we would be able to spend …
Second OAT tackled today: Applied for new EIHC card ready for trip to France. Apparently the guberment don’t know that I live here, so I have had to scrabble around looking for two documentary piece of evidence of me living here, that are no older than 3 months. That could have been really difficult for me, but fortunately our council tax bill is in hard copy and recent as is our joint account statement … Both photographed and submitted.
KK
As at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- 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 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 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 -
OoOoh,good bits of admin OATing there KK!
Another small OAT for me - had the hoover upstairs, so I did some stretching and hoovered the ceiling above the stairs themselves 😬 Very cobwebby and in dire need of plastering but looks better than it did!
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It looks like a gorgeous day here. I sorted out an ISA at the weekend. I have quite a few appointments booked for this week and next. I need to sort out finding a new dentist this week or next.
I am off out to a Soundbath today.
3 -
I decluttered a huge glass tankard that had been on my dining table for a couple of months.
I emptied a couple of pots of last years soil into the tortoise run.
I cleared the little table on my patio so that I could eat lunch in the sun.
I put my hammock together, but a few clips have rusted off so not sure how safe it is.
I kept baby ducklings alive.
That will suffice. Busy few days at working again so I'm not sure if or what oats I'll be able to do but I'll give it a shot. In the gaps between work and checking on baby ducklings 😄
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 -
Laser focus on build admin achieved 🥂
Much to achieve tomorrow. It is rather easier to feel motivated with nice weather, and it's meant to be raining for a fortnight after tomorrow so I'd best get loads done 😂
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
Do you want to manage my building work @PennysIntoPounds?
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