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.
📨 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!
Learning to walk before I run
Comments
-
We are surviving the holidays pretty well so far
I got the bulk of our Christmas dinner shopping on Friday, we saw my parents that evening, Mrs E took the girls to the park yesterday, and I took them out for a swim this morning. Feeling quite chilled out and happy but should probably watch the casual drinking
One last day of work for me tomorrow, somewhat annoyingly my first day where I actually need to do something! - I found a random £25 cashback offer from Santander that I had forgotten about, sent to my personal spends
- £14.68 OPed
- A couple of £ paid to EF
- A few £ transferred from my personal spends to my cash savings. I'm now sitting at 85.5% equities/14.5% cash, which is half the way towards my desired cash %age. I should be able to pay perhaps another £100 to this by the end of the year, and may achieve it by February? Anyway, just a notional target and no real pressure as it's just a metric that I'd like to get to
- Won a free lucky dip on the Lotto for Christmas Eve
8 -
My last day of work before the holidays, finishing at 4
- £13.40 OPed
- A few £ to EF
- A few p from personal spends to cash savings
I have a bit of work to get cracking with today, but will try and find time to earn £6 on Prolific. That's a little over 1/2 hour assuming ok rates of pay, so seems realistic on lunch/quick coffee break.10 -
Hope you get a nice easy day at work Ed and then it's Happy Holidays 🎄😃!Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 1/7 lb
Mortgage OP goal 2026 - £120.77/£4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest5 -
Awww Ed - you are 'sounding' your old self again - long may it last!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)4
-
My boss called about 15:30 to tell me to down tools for the yearMrs E mentioned that she had received an email saying that our rate switch had been cancelled about 5 minutes ago. I have logged in and signed us up for a new 5-year fix at 4.04%
£1,344.17 a month to £1020.61 from January! Nearly £4,000 a year, I can hardly believe it.Now, if I can only earn another 29p on Prolific, I will be made up for 202511 -
That's fantastic news Ed, well done! Have a lovely holiday!6
-
Excellent news on the rate switch. Happy holidays to you. xxI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6 -
Brilliant news on the 4.04%!!! that's a Christmas present if I ever did see one. Hope that 4000 is straight into the renovation fund projection.4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)6
-
Fantastic rate and a civilised boss. What a way to end the year! ❤️👏🤩😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 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.5 -
Hope you made your 29p 🫰🏻😂Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 1/7 lb
Mortgage OP goal 2026 - £120.77/£4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest5
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.2K Banking & Borrowing
- 254K Reduce Debt & Boost Income
- 454.9K Spending & Discounts
- 246.3K Work, Benefits & Business
- 602.4K Mortgages, Homes & Bills
- 177.9K Life & Family
- 260.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards