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.
PLEASE READ BEFORE POSTING
Hello Forumites! However well-intentioned, for the safety of other users we ask that you refrain from seeking or offering medical advice. This includes recommendations for medicines, procedures or over-the-counter remedies. Posts or threads found to be in breach of this rule will be removed.📨 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!
A Very MSE Advent 2025
Comments
-
Love the photos.I'm out for a meal tonight, my first (and quite possibly the only) festive dinner with a local group. I think it's supposed to be Christmas jumpers or sequins but I don't own either. My rather blingy amethyst necklace will have to suffice.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo7 -
I don't own a christmas jumper either Redo - I've got a couple of seasonally appropriate t-shirts but those aren't necessarily occasion appropriate!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
Today I put some nice perfume on and sorted out some toys that DS has grown out of that we can pass on to relatives that we're seeing at the weekend.7
-
Fabulous gold plate diamanté effect earrings today, with very fluffy socks and a cosy jumper with a red check shirt
Seeing a family friend for a Christmas drink and handing over card and gift
My OAT was at least taking photos and writing descriptions for two listings
7 -
As requested:Rosa_Damascena said:
Reciope please?KajiKita said:
Made a batch of Italian chocolate and hazelnut cake. Never tried this one before but if the bowl scrapings are anything to go by it’s going to be amazing! 🤩 We will have a piece each with a cuppa and the rest I will wrap and put in the freezer for Christmas 😊
KK
😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 78 books of target 52 in 2025, as @ 21st December
Produce tracker: £453 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
I have shimmery/pearly nails today and I'm having my first Christmas Baileys.Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.998 -
We went to a grandchild's school Christmas Fayre yesterday. Very sweet, old school fun (excuse the pun) . We gave them some spending money which was spent on tat/treasures depending on if you are 5 or very much older.I wore a sparkly jumper to book group today and a big blingy ring so I enjoyed looking at my own hand as we chatted 😉
fluffy woolly socks tonight ready for a cosy evening catching up with Game of Wool and Shetland.7 -
Posted most cards. Picked up a couple of Christmas scratch cards to go in a couple of cards. Also coming down with the cold.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.8 -
Started a bar of dark orange and hazelnut chocolate. It is VERY good! 😊KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 78 books of target 52 in 2025, as @ 21st December
Produce tracker: £453 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.9 -
Cover your ears @KajiKita, @beanielou gargle with TCP, it fended mine right off. Also zinc and vitamin C6
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards