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

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  • Suffolk_lass
    Suffolk_lass Posts: 10,780 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    This week is mostly about preparation for Friday (lunch for 35 in the Village Hall) and Saturday (my second and last Christmas Fayre as a seller) - I will be making honey fudge this morning, after my bread has proved and cleared the counter-top, before going to Sainsbugs for my click and collect (for the lunch). I used the £18 off £60 voucher for online or C&C, and ordered the meat and cheese for the December (and maybe the January) lunches.

    I plan to label the rest of my honey and try to get over to my friend's as she has some leftover fudge and candles from the Fayre she did on Saturday. Oh, and I might make a couple of little beeswax decorative candles. On the other hand, I might suggest that friend swaps candles and soaps for me to add variety to my table, while she has some of my candle rolling kits and fudge for hers. I've got some little cups and saucers for her too, so she can make up a few as candles to add variety and decoration to her display.

    In MSE news, Mr Sl's occupational pension has popped in to the running costs account, three days ahead of a large credit card bill clearing in three days time, removing more than half of it! Phew! He will also receive his state pension this week, so that helps enormously.

    Not sure what happened but when I logged in to NS&I my £25 win from last month was now £175. A further £100 and a £50 win had been added. Maybe 2nd is too early to check. I also spotted a disparity between Mr Sl's account and my spreadsheet, where the selection range on my spreadsheet had moved the whole selection down, (taking the top row out) instead of adding one more row, so our total winnings appeared lower than it should. Our percentage winnings (assuming nothing else pops in after today) are 5.8% for my holding, and 3.18% for his in 2025. A bit like % increases everywhere, the disparity grows each time. I have more; I win more. Right, time to have a mooch about on here, 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 here
  • Humdinger1
    Humdinger1 Posts: 2,661 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Sounds fab @Suffolk_lass! Good luck with the exams.  Tell me, do bees too angry to sell have their own module or is the subject dispersed? Love Humdinger xx 
  • Suffolk_lass
    Suffolk_lass Posts: 10,780 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've just taken the bee behaviour exam which covers that group - Let's see if I've passed it!
    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
  • Good luck with optician
    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  £1100/£3000
    .

    Studies/surveys January £14.84

    Decluttering items 1402/
    2025.  7/2026
    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: 7,683 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    What a lovely wreath.  
    Hope all goes well with the optician.
    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 !!
  • beanielou
    beanielou Posts: 97,714 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope all goes smoothly with the optician. 
    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.
  • trix-a-belle
    trix-a-belle Posts: 1,545 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Our corner of Britain looks to be least affected but it's fairly wet outdoors at the moment.
    You could have fooled me with how much it was raining every time I woke up through last night & this morning

    What a beautiful wreath!
    I hope you are now home resting the eyeballs
    - Mortgage: 1st one down, 2nd also busted
    - Student Loan gone
    Swagbucks, Mingle, GiffGaff, Prolific, Qmee & Quidco; thank you MSE every little bit helps
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