We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1505153555681

Comments

  • foxgloves
    foxgloves Posts: 13,433 Forumite
    Part of the Furniture 10,000 Posts Photogenic 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

    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • KajiKita
    KajiKita Posts: 10,303 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Oh that is lovely 🥰 Really pretty and cosy ❤️

    KK
    As at 18.06.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £214,281
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 46 books of target 52 in 2026 as @ 24th June. 
    Produce tracker: £152 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: 13,433 Forumite
    Part of the Furniture 10,000 Posts Photogenic 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
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • 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: 8,362 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 22 December 2025 at 9:25AM
    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: 11,199 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 2026 #2 I have banked £9004.48 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £1111.79 and most of my May purchasing made
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.9K Banking & Borrowing
  • 254.6K Reduce Debt & Boost Income
  • 455.7K Spending & Discounts
  • 247.7K Work, Benefits & Business
  • 604.7K Mortgages, Homes & Bills
  • 178.7K Life & Family
  • 262.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.