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

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Comments

  • foxgloves
    foxgloves Posts: 13,383 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper

    Fab on the PB win! My Grandma once had a £1000 prize from PBs but I've never heard of anyone else in my social orbit winning one. Grandma then won £100 shortly after that, followed by £500 a few months later then never won another PB prize ever.

    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!
  • Suffolk_lass
    Suffolk_lass Posts: 11,145 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I've never won that big before, but I hold over £30k so I do win regularly. Well over 5% last year. I won £300 (3x£100) one month in 2025

    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
  • beanielou
    beanielou Posts: 99,991 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Good news on the PB win!

    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Makingabobor2
    Makingabobor2 Posts: 4,778 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Well done on PB win

    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,544....its going down

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

    Challenges

    EF  £380/3000
    .

    Studies/surveys June £26.19

    Decluttering items 1400/
    2025.  343/2026
    Books read    23 in 2025.  2026- 13  (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

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


  • Watty1
    Watty1 Posts: 8,294 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Great PB win. Will check mine - optimistic

    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: 11,145 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    So, Friday morning and here I am, waiting for Mr Sl to stir. We are due to leave in 30 minutes to take his bike in (a 30 minute drive) for its service and MOT.

    That reminds me - the motorhome also needs the same (plus a replacement cam belt. I shall be back when I have booked that in…

    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
  • Suffolk_lass
    Suffolk_lass Posts: 11,145 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Today:

    • I must do bees (as forecast is iffy for the rest of the week).
    • I have a sourdough proving
    • and lots of washing, wet in the basket to put out as soon as I am dressed.
    • Then bees, just an inspection, maybe a mite treatment
    • change the bedding
    • then take a few bits over to the teaching apiary.

    Mr Sl has developed a stinking cold which I believe I have a version of, with a sore throat and dry cough yesterday. I thought it was hayfever, first thing, but we think we inadvertently bought fake antihistamines - they certainly don't work as well as our normal ones so I am writing them off and have ordered more from a regular supplier

    Have a good Sunday everyone (purse remaining shut here)!

    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
  • foxgloves
    foxgloves Posts: 13,383 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 7 June at 9:00AM

    Morning@SL. I really dislike summer colds. They just sort of feel 'wrong' don't they? I associate lergies with wrapping up warm & sitting in an armchair by the stove cosseting myself with hot drinks while doing not-a-lot. Mr F had Covid early last summer, which just felt weird.

    Hope you are both back to normal soon.

    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!
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