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.
The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
CrazyBee wants to be Mortgage Free!
Comments
-
Wahoo it is my birthday, 40 something Ehem! I received a card from a friend I connect with now and again and MD said she wanted me to use her credit card to treat myself today. I am just getting dinner of pizza and lunch of bread and pate etc. Things I was going to do for myself but now I don't have to spend the money. MD also said to get some flowers! So that is something. Just this second, I got rejected for a job, gosh and I was almost happy!! Don't worry this gal has been knocked down many times and she will get up and get a job eventually - I am sure of it. I still have some irons in the fire...lets see what happens this weekXXGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.0 -
Happy Birthday to you . Pizza sounds fab for Birthday Dinner and nice of MD to treat you . No chores or job hunting today I hope ! Nice relaxing day and back to the grind stone tomorrow xx1
-
Too right Newstart! Thanks. XXNewstartforme said:Happy Birthday to you . Pizza sounds fab for Birthday Dinner and nice of MD to treat you . No chores or job hunting today I hope ! Nice relaxing day and back to the grind stone tomorrow xxGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.0 -
Happy birthday to you. 🥂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.1 -
Happy birthday xxSealed pot challenge 822
Jan - £176.66 :j1 -
Thank you BeanieXXbeanielou said:Happy birthday to you. 🥂Goal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.1 -
Thank you DawnybabesXXdawnybabes said:Happy birthday xxGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.0 -
Happy birthday Crazy, hope you're having a fantastic day and some sweet goods as well! xx
Mortgage: £173,700 Sep 22 £158,300 Dec 25
MF Date: Sep 52 Mar 52
CC Debt: £15,250 Nov 25 £12,000 Dec 25
2026 Challenges:
MFiT-T7 #5
DFbyXMAS #7
January 2026 Grocery Challenge: £200/£200
1 -
Thank you RedLipstick I really appreciate it, I have the rest of my tirimisu to eat, yum yum!! XXRedLipstick said:Happy birthday Crazy, hope you're having a fantastic day and some sweet goods as well! xxGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.0 -
Cash pot depleted again only this time medicinal roomie not feeling great woke up with cramps and I went out and got all the stuff to sort him out. He said he will contribute towards it. I'll also be making tomato gratin ratatouille tonight full of veg, I got some of the ingredients for this. Plus detergent. I annoyingly forgot to use my voucher!
Cash pot stands at £7.50, I also transferred £7.45 from prolific this morning I managed to get an early morning survey prolific now stands at £0/ £13.02 pending.
Have a good day all that come byXXGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.8K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 260K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards