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Next steps; grip-relaxing bimbling, and avoiding the temptations

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Comments

  • Suffolk_lass
    Suffolk_lass Posts: 10,789 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Actually, I have been tracking Ernie for a while - so far this year I am at £1650 in 2025 (£1125 in 2024). Mr Sl is on £325 in 2025 (£225 in 2024). The increased amount might be the reinvestment decision. Neither of us have maximum holdings and mine is about 3 x more than his
    Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
    My keep within our budget diary is here
  • Makingabobor2
    Makingabobor2 Posts: 4,548 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Well done on the PB win. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £27,644....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £1150/£3000
    .

    Studies/surveys January £14.84

    Decluttering items 1402/
    2025.  47/2026
    Books read    23 in 2025.  2026- 1 (target is 52)  
    Jigsaws done  20 in 2025.  2026  

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Watty1
    Watty1 Posts: 7,690 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Glad Mr S felt well enough to assist.  The feeling of being useless or helpless in a busy world is not, I feel conducive to recovery so glad he was well enough to help. These things speed recovery I'm sure.
    Good for Mr S.

    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • foxgloves
    foxgloves Posts: 13,028 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Sounds idyllic. Have a fab time.
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • Watty1
    Watty1 Posts: 7,690 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    That sounds so lovely. I hope it is every bit as lovely as it sounds.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • rtandon27
    rtandon27 Posts: 6,321 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    @Suffolk_lass - enjoy your relaxing time away!
    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)
  • KajiKita
    KajiKita Posts: 9,206 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sounds like a good time to go as Mr SL's energy levels are recovering, a change of scene will do you both good. Have a lovely time and return refreshed :)

    KK
    As 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 4 books of target 52 in 2026 as @ 11th January 
    Produce tracker: £18 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. 
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