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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
Comments
-
It was the Yorkshire Trader shop if anyone's local (ish - they're not just in Yorkshire) and wants to try!
So, Sunday.
FIRST THING - admin
⭐ Banks & ynab (not done this month so probably a mess)
⭐ Photos
⭐ blog post
⭐ soup in hay box
LATE MORNING
⭐ weekly home blessing
⭐ hang washing out
⭐ New washing in
⭐ flute practice
EARLY AFTERNOON
⭐ lunch
⭐ study curtains
MID AFTERNOON
⭐ garden pottering (maybe shift some more stones)
LATE AFTERNOON
⭐ wind orchestra
EVENING
⭐ Pack for work travel (leaving straight after post-work appointment on Monday)
Too ambitious?? Depends if I get sidetracked with TV/crochet which is apparently all I do now 😬6 -
I have a list like that, which I get distracted from by N3tflix and tapestry … 😉
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- 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 1 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 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.4 -
I just get distracted!I 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.5 -
😁 that's a good sized list Cheery - not overly ambitious for a Sunday.
Mine consists of wake up, drink coffee, comb hair, mani/pedi, basically get ready to run out of house errands. So far I'm up which is a win!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)3 -
Well done RT! You're one up on me - I'm not out of bed yet 😬😂 running out of 'first thing' to do my first things in 😂 what time does 'late morning' officially start?!4
-
11am I reckon …! 🤔😉😊⏱️Cheery_Daff said:Well done RT! You're one up on me - I'm not out of bed yet 😬😂 running out of 'first thing' to do my first things in 😂 what time does 'late morning' officially start?!
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- 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 1 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 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.3 -
Ha, well it'll have to be at this point! 😂😂 going out at 4pm so still got 6 hours...2
-
...I've managed to have coffee...
...then segwayed into brunch which OH made...
...not out of pj's yet...
...anything before noon is late morning - you are still winning yet! 😁
ETA - surely YNAB is an in-bed activity?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)3 -
Ha, YNAB is a suit-on, full-coffee activity today! Gosh, I've not done it for so long it was in a right old mess and I'm not entirely convinced I've sorted it out yet. However, it SEEMS to balance (there's just a single regular saver payment that might be pending over the weekend) so fingers crossed. Goodness me.rtandon27 said:...I've managed to have coffee...
...then segwayed into brunch which OH made...
...not out of pj's yet...
...anything before noon is late morning - you are still winning yet! 😁
ETA - surely YNAB is an in-bed activity?
Anyway, we spent rather a lot on our long weekend away... Need to not have another one of those for a while...
So, it's early afternoon now I think... and all I've done is YNAB and got some split pea soup in the hay box. Going to have to speed up a bit - going out in 3 hours! Might give the weekly home blessing a miss in favour of a very quick tidy up - I'm out most of the next few days and Mr C won't appreciate it anyway, so might just change the sheets and save everything else til next Friday...
Right - washing out and some flute practice, then see what the soup looks like!6 -
Cheery, however expensive your long weekend away was, I think our weekend in Amsterdam beat it - I’m too embarrassed to say how much we spent in four days! I am with you on not needing another of those again for a while - but we’re away for a two-week holiday in a few weeks. Already thinking about how we can make it cheaper (except I know Ireland isn’t particularly cheap!). I think eating out and enjoying yourself has become very expensive recently - I don’t think it’s just that we were having fancy meals (we had one of them and a fairly expensive lunch, but otherwise ate at a food hall type place/got something to go).
Well done for getting YNAB sorted - it’s always worse when it’s been put off for a while.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway3
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