Walking into another chapter ...



  • Happy new diary ⭐️
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊
    2024 challenges - (1) £8k savings challenge = £900 so far (2) 1 stone weight reduction = 0 so far
    My WW and friends diary is here 😁 … 

  • benbenandme
    benbenandme Posts: 12,145
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    Morning all, thanks for following me here / coming along for the ride :)

    New Years Eve - the final day to get bits and pieces in place ready for the year ahead, which includes finishing off any Christmas food that's still laying around. I thought I'd done really well with that, I didn't overbuy to start with and had done a good job of clearing all the chocolates, but then someone gave me a gift that comprised 5 different sized boxes, each full of goodies; vanilla fudge, truffles, popcorn, shortbread fingers and something else that I've forgotten. Of the 5 I love the shortbread and the fudge, I'm working through the fudge today and will have dome shortbread later (4 packets of it), the rest will be taken into school and left in the staffroom where it will be demolished in seconds :)

    My plan today is to double check all my various bank accounts / money pots, double check all my plans are in place, have a final whizz through the housework, then an afternoon on the sofa with Soccer Saturday, then tonight I am meant to be seeing my friend who I meet up with regularly (not the original hottie, he has his kids this weekend). However this friend does have form for cancelling last minute, so it will either be a fun filled evening of giggles with him or a quiet night in for one, which will mean I can get up early and get my first walk of the New Year done :)

    Oh and I need to go and get a radiator key and bleed them as I can hear water gushing through the one in my room (it isn't even on).
    Mortgage Total: £55,900 / £75,000
    2024 Savings: £1044
  • Happy new diary and Happy New Year xx
    Mortgage Jan 2023 9yrs 11mths £61,389 Mortgage overpayment £1867/£3600 Mortgage Jan 2022 11yrs 6mths £69.996 Mortgage overpayment £3132/£3600
  • Happy new diary to my favourite MSE pal😊
    Yours is the only diary I still follow!

    I really need to sort out a new signature!
  • benbenandme
    benbenandme Posts: 12,145
    First Post First Anniversary Combo Breaker Photogenic
    Aww thank you Pixie xxx

    Christmas cheese, crackers and chutney have finally been demolished. An afternoon of vegging on the sofa ahead for me :)
    Mortgage Total: £55,900 / £75,000
    2024 Savings: £1044
  • Happy new diary! I hope 2023 is full of happiness and postivity for you :)
    *Dad loan - £5300 - £3100
    *Virgin Credit Card - £3552.50 - £0
    *Barclaycard - £0

    *Total debt - £3100*

    *Sinking Fund - £1500/£3000*
    *Emergency Fund -£0/£3000

    *Debt Repayments Pot - £0/0*

    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • dangers
    dangers Posts: 1,456
    Combo Breaker First Post First Anniversary
    Happy new diary/happy new year 
  • benbenandme
    benbenandme Posts: 12,145
    First Post First Anniversary Combo Breaker Photogenic
    So the football was pants :( Enough about that already  ...

    I've had a lovely hot bath with my new bath oil, I put on a face sheet I was given for Christmas and a hair mask which I'm leaving on for a while longer. More thoughts while I was in the bath ... I am not one for clutter, I like to think I am quite good at clearing stuff out and can't be doing with nick-nacks everywhere, but was thinking about a conversation with a friend who is currently in rented accommodation between house moves, and 95% of their stuff is in storage. She was saying it's amazing how little stuff you actually need, how freeing it is not to be surrounded with stuff. This is something I've agreed with for a long time but it's still very much a work in progress to clear stuff. So another aim for the year, just a general direction to go in rather than a full on resolution, is to be much more ruthless about stuff in my home. For example, my airing cupboard - I have tonnes of bedding, spare towels (standard towels are in the bathroom, these are for drying the dog, mopping up washing machine leaks etc). Can't believe I've just written that, I don't think I've ever even had a washing machine leak :) ... loads of spare blankets / sheets etc for just in case situations. Situations that really don't ever happen ... 

    Likewise I have a drawer in the kitchen for utensils. It is rammed, and the potato masher is forever getting jammed. I regularly use the kitchen knives, the spatulas, the masher, the garlic press, the peeler, the tin opener ... but that is about it. I don't ever use the chopsticks, the 3 corkscrews (I don't even drink wine, but one will suffice?), the huge soup ladle thing, and whatever else is chucked in there. So I will work my way around my house, drawer by drawer, cupboard by cupboard. Some things will get chucked / charity shopped etc, some things will be purposefully used up - looking at the mountain of body lotions etc in one cupboard. When I sorted under my bed this week I have a big pile of wrapping paper, bows, ribbons etc - I literally only wrap Christmas presents, birthday / wedding gifts etc go in gift bags. So, if it was stuck in a storage container would I bother to go and get it or would I manage without it? That will be my thought process :)
    Mortgage Total: £55,900 / £75,000
    2024 Savings: £1044
  • TallGirl
    TallGirl Posts: 5,478
    Photogenic Name Dropper First Post First Anniversary
    Happy New Year love a new diary. 
    Save £12k in 24 No 50
    PB Win 21 £225, 22 £275, 23 £900, Balance Feb 24 £41,650 (Wins, Jan £200 Feb £150) 
    Plan to move to Denmark for FIRE by 2028 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

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