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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
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Living Large, on a Small Income, by the Sea.
Comments
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Glad you are having a good day. Enjoy your evening with friends."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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Thank you. I can do that when I am alone but some friends like the cafe for coffee. That said, I will have my own coffee on the seafront more often this coming yearMFWannabe said:Maybe take your own coffee to sit on the seafront with? In a flask or cup that stays hot
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20254 -
Thank youjwil said:Glad you are having a good day. Enjoy your evening with friends.
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
Enjoy your evening.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Have a lovely evening, the wine sounds very nice. Happy new year and well done on all you've achieved and got through this year 🥂1
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Sun_Addict said:Enjoy your evening.
Thank you bothPennysIntoPounds said:Have a lovely evening, the wine sounds very nice. Happy new year and well done on all you've achieved and got through this year 🥂
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Happy New Year 🥳 Looking forward to following your adventures this year.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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I am looking at next year through the prism of Maslow's hierarchy of needs (I know! Get me!)
I am lucky. My physiological needs are met but I have been in pain so I will be looking after myself in 2026 as this can change so quickly....I want to have a WB stove so I am warmer and cosier, although I am lucky I have central heating so I have no need to be freezing.
I don't always feel safe so I will address this in 2026 by upgrading my security..also increasing my savings helps me feel more secure so I will prioritising getting my EF to 2k.
I have done ok for my social needs considering I am a newbie where I live, although I will be expanding my social circle in 2026. I will increase the things I do and therefore the people I meet...
My status and self esteem needs addressing in 2026 by starting the creative workshops I am currently in talks about. This will also help my savings goal. I also need to incorporate a creative practice into my life as this is bound up in my self esteem
In 2026 I want to be a more authentic me without apology...things like how I choose to live, and whether to have a wardrobe in my living room
I learned many lessons in 2025 and they all came down to two things:- trust myself more
- maintain boundaries
I hope you can rise up, or stay high up on the pyramid for 2026If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20256 -
Today has been:
recycling & rubbish,
washing-up X4!
decluttering old medicines
planting out cyclamens
made chicken stock
made soup
cleared old freezer contents
booked a dance class!
flowers arranged in guest room and living area
was going to cancel an order for an electric blanket but I'm going to keep it now as this house is cold...
will keep going with cleaning, tidying, decluttering
I love a new year. I hope you are enjoying yours
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
All of the needs feed into and are dependent on each other, and can vary in importance depending on where you are in life.
Late to the discussion about wardrobes/slash armoires. A lot of people have wardrobe like furniture for various things. Some have hideaway desks, kitchens in wardrobes etc. I've seen some really nice repurposed wardrobes3
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