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

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Comments

  • KajiKita
    KajiKita Posts: 9,157 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh I do hope the parcels stress all gets resolved!! 🤞

    That's great news about the truck - Mr SL must be relieved and pleased as he sounds fond of it :) (And like it is just the vehicle you need for bee-land traversing and not easy to replace.)

    I do smile at Mr SL's less successful exploits - I'm sure there's loads of stuff he does really well, it's just we never get to hear about them! ;) 🤣

    I will be opening my purse (well, joint house account) for just one thing today - cash to pay the furniture cleaner who's coming to exorcise the smell of cat sick from my side of the sofa! :) Oh and the kitchen island decor panels, if they have finally turned up!

    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 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. 
  • Suffolk_lass
    Suffolk_lass Posts: 10,778 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    He does do lots of things really well. It's rare but memorable mistakes. I must try harder to appreciate him on here. I really do.  B)
    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
  • beanielou
    beanielou Posts: 97,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Can you please remind me about what the lovely posties get if you give them good feedback. Thanks.  
    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.
  • KajiKita
    KajiKita Posts: 9,157 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Phew! for the parcel arrival :)

    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 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. 
  • Great news on the truck and the USA parcel.
    Deliveries including RM are turning into the wild west up here.
    - Mortgage: 1st one down, 2nd also busted
    - Student Loan gone
    Swagbucks, Mingle, GiffGaff, Prolific, Qmee & Quidco; thank you MSE every little bit helps
  • beanielou
    beanielou Posts: 97,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks @Suffolk_lass. 🤩
    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.
  • Suffolk_lass
    Suffolk_lass Posts: 10,778 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well that is not at all annoying! I got up at 05.15 to go shopping for 06.00 and the wretched place doesn't open until 07.00. I understand silly season in SM is fully underway and so I thought to split mine in two, with a quick trip this morning and the veg on Tuesday before I collect at the butcher's.
    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
  • KajiKita
    KajiKita Posts: 9,157 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Gah! 🙄

    Hopefully you are mid shop now … 🤞

    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 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. 
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