📨 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!

Cutting it Fine - the challenge is on!

1…3940424445…91

Comments

  • savingholmes
    savingholmes Posts: 29,235
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Sounds like your self care is paying off and you've come into the weekend at a good place. 

    I feel lucky as my parents still do xmas dinner for all of us that want to go - so even with the price of fuel - it still saves me money compared with the odd year when I tried to recreate it at home. It was extortionate! I have lots of family to buy for but buying less this year too.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • Chiglepig
    Chiglepig Posts: 615
    Fifth Anniversary 500 Posts Photogenic Name Dropper
    Forumite
    And to add to the Christmas theme, we now only do stockings (plus one large gift for dd - a pair of Dr Martens for the last two years!), but the stockings are nice toiletries for DD and Mr C, and packets of seeds for me, so I spend Boxing day planning the year in the garden, and the other two smell nice until at least June!
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • SandyShores
    SandyShores Posts: 2,162
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Forumite
    I haven't done stockings for years @Chiglepig but I think I'll start it up again.  That sounds really good and its such a lovely start to the day.  
    "Think of many things, do one"
    DFW 2019: MFW aim 2031: bal end Nov26 £158k / £310k 2020
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga
  • SandyShores
    SandyShores Posts: 2,162
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Forumite
    Thanks @Kittenkirst, he's calmed down a little, but I think something really spooked him yesterday as he kept going out then coming in and going out again last night.  Each time I had to open the door and go out with him, or open the window so he could look out.  He's due a visit to the vet for a check up as he seems a little irritated by his skin.  I don't think its fleas, but I need to find the last receipt as I didn't write down when I gave it to him.

    @twinklie and @savingholmes, you sound like you have your day organised.  I think the biggest problem is DH wanting to stay so long, whereas I want to just have dinner, stay for a polite time and then go home and put my PJs on.  Its so awkward as there aren't really any excuses to make to be able to leave.


    "Think of many things, do one"
    DFW 2019: MFW aim 2031: bal end Nov26 £158k / £310k 2020
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga
  • @SandyShores yes there is nothing like being stuck with difficult relatives over Xmas. 

    @Chiglepig those baubles sound fabulous. I bought my mum  a few over the years, they always look so lovely when they appear each year. Particularly the  handblown ones.  

    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • savingholmes
    savingholmes Posts: 29,235
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Hope your cat is okay.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • SandyShores
    SandyShores Posts: 2,162
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Forumite
    Thanks savingholmes, I think he's being bullied by another cat that keeps coming into our garden.  He's a bit nervous at the moment.
    "Think of many things, do one"
    DFW 2019: MFW aim 2031: bal end Nov26 £158k / £310k 2020
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga
  • savingholmes
    savingholmes Posts: 29,235
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Great news on payrise

    I agree mse positive place to post
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • I’ve always found this a positive place, hence why I’m still here some 12/13 years later. 

    We do stockings even though the kids know about FC. They are more practical, pants, socks, toiletries type of thing. 

    Don’t lose heart with the big numbers on the mortgage. It does come down little by little. I still feel I’ve a long way to go 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 355.9K Banking & Borrowing
  • 255K Reduce Debt & Boost Income
  • 456.2K Spending & Discounts
  • 248.4K Work, Benefits & Business
  • 606.1K Mortgages, Homes & Bills
  • 179.1K Life & Family
  • 264K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.7K Read-Only Boards
Quick Search

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.