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Next steps; grip-relaxing bimbling, and avoiding the temptations
Comments
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Good luck for the exam today 🤞 I’m sure you’ll smash it.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Thanks everyone. You lot are great. Truly!
I'm doing bee behaviour first, then pests and diseases. Just getting my protozoan and microsporidian organisms straight in my head!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 here5 -
Wishing you every success todayFashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family1 -
How did it go …?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 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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 -
Checking your thread to find out how yesterday went?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 !!2 -
I think it went OK. I hammered through the first paper, worryingly finishing with 30 minutes left, so I went back, read through, corrected the spelling where my keyboard omitted letters, expanded a few bits to say why, quote research or sources, that sort of thing. I finished at the right time, then had a quick loo stop, refilled my beaker with cold water and went for the second one. There were three bits I think I answered poorly, but each was 5 marks, so maybe 2/5 each time. If that is all I got wrong, I will be OK. 100 marks, signalled in the questions (10x1m, 4/5 x15m, 1/2 30m) I could have answered all the questions on the first paper, and all but one (15 marker) on the second, so fingers crossed I haven't answered the question I wanted them to ask, rather than the question they were actually asking.
The next (Bee related) thing for me is making up my candle kits and candle rolling set up for next week at the Christmas craft fair I am doing. I need to make up some beeswax candles and fill and label some jars of honey too. I might make some honey fudge if I have time - it always sells!
I've got my second batch of (C) cakes in the oven this morning - fingers crossed. The first lot looked fab. One of these has pecan and cherries on top, ready for the (Delia) brandy and apricot jam glaze once cooked. This is the one my neighbours asked for (that they will reimburse me for).
Tonight, a simple roast (a large lamb shank I will slow cook, for the two of us to share). I brought home my half chicken from the quiz night last night too, so the saved pastry case I blind baked can come out of the freezer and we can have chicken pie on Monday, and we can have a generous portion of lamb tonight. With baked apples, I think!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 here8 -
Fingers crossed for the results“the princess jumped from the tower & she learned that she could fly all along. she never needed those wings.”
Amanda Lovelace, The Princess Saves Herself in this One2 -
I won't get them until January!thriftmonster said:Fingers crossed for the resultsSave £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 here6 -
That’s a long wait.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.1 -
That sounds like the most positive, post exam, candidate summary I have ever read 😊
Well done on all the cooking too 👏
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 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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
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