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!

The Frugal Hearth: Stories of Simple Living and Living Well

1121314151618»

Comments

  • Excellent news!! 🥳🙌😁
    'Happiness is not a destination but the journey you walk every day'

    Jan GC: £0/£100
    DNF: £0/£6700
    Garden sections: 0/21

    DNF: 3/45

    'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'

  • KajiKita
    KajiKita Posts: 9,082 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Ah, I had forgotten you have far more of a network of support in Scotland than in Wales :) That will help a lot. Glad all the logistics *should* work out okay. 

    Lovely of your mum to give you Skye fun money and what a time to have an interest rate cut! 🤩 Hopefully that will have morphed into new and interesting mortgage deals in the new year .... 🤔

    Sorry to hear about your shoulder - hope it eases soon and you have a restful, peaceful, thoroughly-fun-plotting-and-scheming time over the Christmas break, once you get to it. :)

    KK 
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 0 books of target 52 in 2026 as @ 1st January 
    Produce tracker: £8 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. 
  • Good news and lovely of your mum to help out with Skye, every penny will count while you're buying the house. 

    I hope the travelling up and down the M6 isn't too onerous.  Big roadworks taking place over Christmas somewhere in north Lancashire/south Cumbria so watch out for them as the detour is quite large.  There is also a big train project going on from just after Christmas until mid January so I think there will be more traffic than usual.  Living near the motorway, you become very aware of how often it is closed or there is a big accident.  Shut for several hours yesterday so the traffic spills out onto all the surrounding A roads.  Our local police are also having a big push on drink and drug driving and publishing the stats each week - quite scary!

    Have you got a heat pack that you can put on your shoulder to help with the pain? Or can you convince the cat to lie on it quietly and warm it up?!!

    Hope you have a lovely Christmas and New Year x
  • Cheery_Daff
    Cheery_Daff Posts: 17,988 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well this is all extremely exciting!! So pleased for you (not about that commute though!) Is your car at up for camping? We used to have a Kingdom with a bed in the back (I think you may have similar?) which was great to sleep in,  but propping in the front seat might not make for a very good day's work 😬

    Can't wait to watch all this unfold!
  • foxgloves
    foxgloves Posts: 13,001 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Well, @Elisheba, I popped onto your diary just to see if there were any pre-Christmas house buying updates & what do I see? STC!! Fantastic news! I do hope everything proceeds smoothly. As you say, not a lot is going to happen until after the festive shutdown, but how lovely to go into it with an accepted offer. I expect you will be very busy sorting everything out for some time to come. Shall look forward to reading your updates as & when you are able to chat to us all.
    Another thought about storage....I can't think of the name of it, but there is a FB group devoted to using various units from the Blue & Yellow Swedish Emporium to create customised storage/furniture. Some of the ideas were very good & although I don't follow the group, I think I shall do when it eventually comes to moving time for us because we will be wanting affordable, attractive solutions for storing all our books & Mr F's vast CD/AV collection. Some of the solutions made me wonder why I had never thought of doing something similar with some of these very standard units.
    F
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • Fantastic news!!! I’ve been keeping an eye out for your updates, I love them!! And good news on holiday spends, that will help ease the pressure abit! Eeeek so excited for you! Have you thought of cheap flights down south from Scotland? Save the drive? You can get good discounts at times. Trains aren’t cracking though, just a thought x 
    #no 3 Debts off by Xmas 2026 480/15,250
    NSD Jan 1/20
    #no 13 365 days 1p challenge 2026
    £4.96/£667.95
    £2 coin savers challenge 2026 £2  
    #no 11 SPC 19 £5.64
    2026 PAD challenge  £480
    1% challenge = 3%

    #cc1 200/4100 high interest
    #cc2 NatWest 200 /3400 high interest
    #cc3 Halifax 0 /2150 22%
    #cc4. MBNA 80 /5600 22%
    #loan1 /14000  7.2%
    #loan2 /11000 13%
  • Humdinger1
    Humdinger1 Posts: 2,624 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Who-hoo @Elisheba! Fantastic news.  2026 is THE year.  Onwards and upwards love Humdinger xx 
  • peb
    peb Posts: 2,001 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Excellent news. Just a thought, Easter falls the first weekend of April this next year which may help with timing.

    Id go with the get someone in for ideas - I have an architect friend who really gives good pointers.
  • Congratulations Elisheba 🎉 I am way behind on reading diaries so yours has made a particularly exciting read! You have carefully put all the pieces together over the years to make this happen - well done to you 👏🥂
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
  • 353K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.8K Spending & Discounts
  • 246.1K Work, Benefits & Business
  • 602.2K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 260K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K 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.