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

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Comments

  • foxgloves
    foxgloves Posts: 13,079 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Oh how annoying! Yes, supermarkets are just crazy at this time of year. Can well recall a year at Waitbl00m on Dec 23rd when we said, "Never again". The worst aisle blockers were the couples with 2 trolleys, discussing every item while blocking everyone else. Most of the staff seemed to be on queue management as the place gridlocked. The trick is defo to be there at opening time & to go straight to the classic key bun-fight areas of stock.
    Mind you, we are calling into the Swedish Emporium later today - I'm sure I'm going to regret that.
    F

    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)
  • KajiKita
    KajiKita Posts: 9,428 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Oh that is lovely 🥰 Really pretty and cosy ❤️

    KK
    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - 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 9 books of target 52 in 2026 as @ 27th January 
    Produce tracker: £36 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. 
  • foxgloves
    foxgloves Posts: 13,079 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That looks fab, @Suffolk_lass. I love beams. Sadly the only beam in our house is a big supporting one from when a previous owner removed a kitchen wall. White lights manage to be both cheery & calming, don't they? I like to have some up all year round.
    F
    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)
  • That's really pretty!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • That's so beautiful
    “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 One
  • Watty1
    Watty1 Posts: 7,784 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 22 December 2025 at 8:25AM
    That sounds like a fabulous evening - and - to include Brandy Alexanders - what class! (My favourite of all cocktails).  Snacks sound excellent too.  

    I love that you have regular Dan Dan's the whatever man.  I would give Christmas boxes but never see the same people these days. We have moved from rural village to town in the years i have been here (ok, not a town but changing people all the time now)    Only the milkman is a constant, from a dairy down the road that decided to challenge the usual way of being dairy farmers and now have their own rounds that are very extensive, complete with glass bottles.  
    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 !!
  • Suffolk_lass
    Suffolk_lass Posts: 10,869 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I should probably have said Dan; Dan, the ****-Man but it didn't play to the nursery rhyme element (my juvenile sense of humour). The dairy we use is a conglomerate but at least it is a milkman with glass bottles. I thought our milkman was Ivor as that is what the website said, but this year we received a handwritten card, so it is a little more personal. I guess Ivor is the generic name they use to make it feel more personal. I don't mind that. I think it is an important service to preserve. It also stops me going off piste with local shop spending, picking up too many things not on my list by staying out of the shops! I do wish it was a local producer but we live in arable land, not livestock (other than a few sheep and chickens).

    Right, time to stop lolling and do some getting on with 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
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