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

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Comments

  • Makingabobor2
    Makingabobor2 Posts: 5,076
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Forumite
    Was going to say " you're a busy bee"....then realised what I'd said🤣🤣
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £25,444....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £350/3000


    Studies/surveys October £ 184.67

    Decluttering items 1400/
    2025.  460/2026
    Books read   2025/23   2026- 24 (target is 52)  
    Jigsaws done  20 in 2025.  5 in 2026

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • KajiKita
    KajiKita Posts: 10,967
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
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    Lion dance?! I want tickets!! :)

    KK
    As at 16.10.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
    - OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
    c. 17 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 78 books of target 52 in 2026 as @ 29th October. 
    Produce tracker: £348 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: 11,452
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Was going to say " you're a busy bee"....then realised what I'd said🤣🤣
    🤣🤣🤣🤣
    KajiKita said:
    Lion dance?! I want tickets!! :)

    KK
     B)B) I know, SO cool! 
    Save £12k in 2026 #2 I have banked £10,836.47 in 9 months, against a £10k target The Save £12k in 2026 thread is here
    OS Grocery Challenge in 2026 I have a £3000 annual budget for 2026 - currently £2270.73 to the end of Oct
    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 2027 thread brand new and sparkling - feel free to join us and say what and how you are planning
    My keep within our budget diary is here
  • rtandon27
    rtandon27 Posts: 7,251
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
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    @Suffolk_lass - I'm so glad to hear that you were able to get caught up with your family.  We recently did the same with the family of one of OH's cousins who sadly passed but I have to say that being around family is it's own kind of special despite the circumstances.

    Also everything crossed for your appointments today!
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    Original End Date - Sept 2041 *** New projection - Jun 2040 (reduced by 1 years & 3 month)
  • foxgloves
    foxgloves Posts: 13,837
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
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    Actually, @Suffolk_lass, when I have the occasional spell of tinnitus, it is only in one ear. I always assumed it is a sort of sinussy thing & as my blocked ear clears, the odd noises stop. The weirdest one is like a faint low-level angle grinder & I'm always glad when my ears start popping & it stops. I hope your MRI goes well. Yes, doesn't finding a hospital car parking space always feel as though one has passed the first part of the mission.
    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!
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