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.

📨 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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

The Frugal Hearth: Stories of Simple Living and Living Well

1151618202132

Comments

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

    Jan GC: £74.77/£100
    DNF: £1471.53/£6700
    Garden sections: 0/21

    DNF: 3/45

    Save 12k in 2026: #37 £1471.53/£6700

    '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: 10,147 Forumite
    10,000 Posts Fifth 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 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 35 books of target 52 in 2026 as @ 24th May. 
    Produce tracker: £119 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

    Interest beater challenge £365 for 2026 £180.01/£365

  • Cheery_Daff
    Cheery_Daff Posts: 18,439 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: 13,350 Forumite
    Part of the Furniture 10,000 Posts Photogenic 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
    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!
  • 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 £800/£12,500
    NSD May 11/22
    #no 13 365 days 1p challenge 2026 120/ 365
    #no 2 £2 coin savers challenge 2026
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £12,500
    1% challenge = £12,500
    1% - £125 @6.4% 

    #cc4. MBNA 500/ 2000 0% runs out soon
    #loan2 300/ 10,500 13%


  • Humdinger1
    Humdinger1 Posts: 2,907 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: 2,106 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
  • 354.6K Banking & Borrowing
  • 254.5K Reduce Debt & Boost Income
  • 455.5K Spending & Discounts
  • 247.5K Work, Benefits & Business
  • 604.4K Mortgages, Homes & Bills
  • 178.6K Life & Family
  • 262K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K 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.