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The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
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Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
*sigh* this may take a while
Comments
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Thanks everyone, really pleased with how things have worked out. I finish work on Thursday and I have then got 2 months off, can't wait
We've been looking at our finances and prioritising for next year... everything looks fine, but we haven't made any inroads into saving. We still have no debt and we have £1k in our emergency fund, but other than that, we've only managed to save £1k across our other pots, which is a bit rubbish. Definitely something to improve next year!
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved6 -
Would a regular saver that goes out at the start of the pay month help you auto save?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/254 -
Congratulations on the new job!Debt free Feb 2021 🎉3
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We do that and then end up shifting it back towards the end of the month :-/savingholmes said:Would a regular saver that goes out at the start of the pay month help you auto save?DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved3 -
Thank youDrawingaline said:Congratulations on the new job! DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved3 -
Tier 4! What a pile of poo! Ugh.
On a positive note, my last day at work was nice and I've been enjoying my time off so far. Two of my children are having to isolate as they were sitting close to covid kids at school, which is annoying, but we're not cooping them up in their rooms. My mum is part of our bubble as lives alone and she'd still like to come Christmas Day. I've left it to her as it's her risk to take or not.
Hope everyone is well and muddling through DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved6 -
We are tier 4 as well! What a bummer. We can do hard things! Xxohdearhowdidthathappen said:Tier 4! What a pile of poo! Ugh.
On a positive note, my last day at work was nice and I've been enjoying my time off so far. Two of my children are having to isolate as they were sitting close to covid kids at school, which is annoying, but we're not cooping them up in their rooms. My mum is part of our bubble as lives alone and she'd still like to come Christmas Day. I've left it to her as it's her risk to take or not.
Hope everyone is well and muddling throughStart Total 12/12/25 £6600
Current total: £6557
Paid off £43.005 -
merry xmas]
5 -
have a good break - and see you the other side of xmas - got a lot of prep to do today, although no more shopping needed - then just telly, food and alcohol in moderate but not miserly proportionsI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
Hope that everything turned out well yesterday and that you have some time to rest.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/254
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