We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a very Happy New Year. 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
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Keep calm and carry on....
Comments
-
It's a version of 'fake it til you make it' i.e. keep spinning til it's a habit to think that way

Choose kind
4 -
I promise to do my best!
(Now having flashbacks to being a Girl Guide....)Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!5 -
I've lost my free money mojo over the last couple of days. I knew my strong start to the month wouldn't work in my favour, there is definitely something in my psyche which means I perform better in an environment of scarcity than abundance 😐 Have just withdrawn 43p from Qmee so that I had something to put as today's efforts towards the total....
I will not be beaten, I will do this!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!6 -
Right, that didn't happen 🙄 Too much time spent reading Cheery's old diary - whoops!
So, I need another £61 to hit this month's target. I can see where approx £25 is coming from with very little further effort required, which leaves me £36 to find over 18 days = £2 per day. Should easy peasy, but somehow that makes me less motivated rather than more! And it would actually be great to be above the target, as I have a couple of "debts to self" that I would like to nibble away at where I've paid for things I didn't have the cash for in my spending money (such as the underwear). Come on missus, you can do this!
There was hardly any loo roll in Sainsbury's when I went yesterday, I couldn't find any tissues whatsoever, and the government is warning us not to mix in groups this weekend. Which just puts me in mind of this:
https://m.youtube.com/watch?v=rblt2EtFfC4
Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!4 -
If you do receipt scanning (and have an iPhone), the StoREwards app is now available on iPhone. It gives you a £1 bonus for joining and the lowest cash-out amount is £2. But you do seem to get daily rewards for logging in. Just in case it helps...
I've lost my money-making mojo the last couple of days too, but I never find weekends that great for it anyway
2025 decluttering: 5,658 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 540🥉🥈🥇💎🏆 👑Big kitchen declutter challenge 146/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5004 -
Thanks Jess, I'm already on it with them! I'm also plugging away at Receipt Hog still, in the vain hope I can get another 503 points before it closes at the end of the month. It's a complete impossibility, but I keep telling myself I might win big on the hog slots 🤣 (and as I'm already photographing all my receipts 4 times anyway, plus another time for Shop & Scan, one more's not really going to hurt)!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!5 -
South_coast said:Thanks Jess, I'm already on it with them! I'm also plugging away at Receipt Hog still, in the vain hope I can get another 503 points before it closes at the end of the month. It's a complete impossibility, but I keep telling myself I might win big on the hog slots 🤣 (and as I'm already photographing all my receipts 4 times anyway, plus another time for Shop & Scan, one more's not really going to hurt)!
I just gave up and deleted that app! To be honest I barely ever cashed out of it anyway. I have higher hopes for this new one. I hate scanning in receipts though. For some reason, it gets thrown into the same mental pile as putting things on the Bay of E for me and I put those off for as long as possible. 2025 decluttering: 5,658 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 540🥉🥈🥇💎🏆 👑Big kitchen declutter challenge 146/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5005 -
Oh goodness me, I do apologize for sending you on such an epic quest!! 😯😯😂😂 please don't feel like you have to read it! It's taken me days and I knew what was coming!! 😂😂South_coast said:Right, that didn't happen 🙄 Too much time spent reading Cheery's old diary - whoops!6 -
Ah yes, the old eBay pile....😳 If I could clear that, I'd free up a whole drawer (which is almost more enticing than the pennies I'd earn 🤣) Now really is the time to get cracking on it, as I have plenty of time for the ridiculous packing-up and trips to the Post Office....🤔QueenJess said:South_coast said:Thanks Jess, I'm already on it with them! I'm also plugging away at Receipt Hog still, in the vain hope I can get another 503 points before it closes at the end of the month. It's a complete impossibility, but I keep telling myself I might win big on the hog slots 🤣 (and as I'm already photographing all my receipts 4 times anyway, plus another time for Shop & Scan, one more's not really going to hurt)!
I just gave up and deleted that app! To be honest I barely ever cashed out of it anyway. I have higher hopes for this new one. I hate scanning in receipts though. For some reason, it gets thrown into the same mental pile as putting things on the Bay of E for me and I put those off for as long as possible.Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!5 -
No need to apologise, it's kind of my fault that you were reading it yourself! Anyway, I like to know the whole story - if I start reading a diary all the way through and give up, I always feel bad at myself for abandoning it so now I'm committed 😮!Cheery_Daff said:
Oh goodness me, I do apologize for sending you on such an epic quest!! 😯😯😂😂 please don't feel like you have to read it! It's taken me days and I knew what was coming!! 😂😂South_coast said:Right, that didn't happen 🙄 Too much time spent reading Cheery's old diary - whoops!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!7
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.8K Spending & Discounts
- 246.1K Work, Benefits & Business
- 602.2K Mortgages, Homes & Bills
- 177.8K Life & Family
- 260K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards

