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Hello Forumites! However well-intentioned, for the safety of other users we ask that you refrain from seeking or offering medical advice. This includes recommendations for medicines, procedures or over-the-counter remedies. Posts or threads found to be in breach of this rule will be removed.March Forward Into Spring 2026
Comments
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Did laundry. Did I only do this after going to work in non uniform and a jumper with a cheese stain on it? Maybe
3 -
Writing submitted.
Next massive OAT is the self assessment tax thingy. I'm starting to get warning emails. It has be to be done by 18th March.
I also want to list some stuff on vnted. I've been putting it to one side in the spare bedroom for weeks if not months. Goal is to list at least 2 things today.
ETA two things listed. Other things need to be ironed etc but they're in a pile ready for tomorrow.
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 -
Nothing today I think as I did a lot yesterday.
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.4 -
Finished the snowdrops.
Need to get some kongs frozen for Stinky as he's run out.
5 -
Paid the car tax.
Cleaned the bathroom and loo (hard with only one working arm).
Made a veggie batch of bolognese.
Emptied all internal bins.KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- 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 23 books of target 52 in 2026 as @ 28th March.
Produce tracker: £59 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 -
Flat clean and more of the Big Clean
Five vinted listings
Mr PIP is cooking a curry tonight so we can make headway on the bag of rice in the cupboard that needs using
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 Carmichael3 -
Right then, tax-y stuff. I got a letter in the post warning me I had to pay my corporation tax by 18th March.
I have managed to find my government gateway ID. I have managed to log on!
Now it says I'll receive an activation code by post in the next 7 days. Obviously cutting it fine.
So in the meantime, just make sure I have everything I need prepared? Which should just be incomings and outgoings? It won't be too long a list, I think I just delivered 3 days of training and paid someone to deliver them with me. I have the dates of the trainings and I have the invoices saved.
Anyone know of anything else I might need to do/have?
I don't know why I let myself be talked into opening a company, I was only intending to do a few bits as a sole trader at the time. Lesson learned!
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 £150.762 -
I have no useful info on that subject @Rhyddid2026 but someone on here will. Agree getting all your dates and amounts on a list in front of you will greatly ease the filling-in
Finished the last of the little travel/hotel bottles of toiletries. Now onto a dedicated effort of using up the random samples, though without being wasteful and without chucking a ton of new stuff on my skin...
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 Carmichael3 -
You could always try asking on the cutting tax part of the forum if no-one knows on here. Take a look around there & you will very quickly know who knows what they are talking about.
4 -
Having a rummage and read on there could be part of my prep 🤔
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 £150.762
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