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A Very MSE Advent 2025
Comments
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At one of the events I went to last week, a woman had pinned all sorts of Christmasy pins on a sweatshirt she already had instead of buying a new sweater. It worked very well.9
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😂😂😂😂 NO! Nay! Never!! 😂😂😉PennysIntoPounds said:Cover your ears @KajiKita, @beanielou gargle with TCP, it fended mine right off. Also zinc and vitamin C
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- 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 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 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.3 -
It probably just tasted so vile you didn't realise you were ill...PennysIntoPounds said:Cover your ears @KajiKita, @beanielou gargle with TCP, it fended mine right off. Also zinc and vitamin C4 -
WD40 for things, TCP for people, works most of the time 😂greenbee said:
It probably just tasted so vile you didn't realise you were ill...PennysIntoPounds said:Cover your ears @KajiKita, @beanielou gargle with TCP, it fended mine right off. Also zinc and vitamin Chttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael5 -
Oh dear I have no TCP here 😹😹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.3 -
Have been taking echinacea & vitamin C.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.3 -
It's been my annual Christmas shopping day with DD and now with her DD too. As I'm still recovering for my cold and she has the baby, we just had a nice lunch in a favourite cafe, wandered round the High Street, bought a few things and headed home.
Freezer progress has been taking out some grated cheese but I've put in some sausages. Toiletries progress was more Success! perfume.
The sausages in the freezer are to go with Christmas dinner, so that's an item off the list.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/226 -
Nooo! It's a degreaser, not a lubricant. If you use it on hinges repeatedly, they get squeaky and stiff - you need some 3-in-one oil! For dry joints like door locks (or the slide on a chemical toilet in a campervan [Ugh]) you need a can of silicone spray, used sparinglyPennysIntoPounds said:
WD40 for things, TCP for people, works most of the time 😂greenbee said:
It probably just tasted so vile you didn't realise you were ill...PennysIntoPounds said:Cover your ears @KajiKita, @beanielou gargle with TCP, it fended mine right off. Also zinc and vitamin CSave £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here7 -
I finished off my wreath and hung it. As requested @Cherryfudge, here is a photo. A couple of last minute sprigs of eucalyptus added for a nice smell
Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here14 -
Wreath is beautiful @Suffolk_lass. Wish i was talented enough.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,424....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1150/£3000
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Studies/surveys January £35.35
Decluttering items 1402/2025. 53/2026
Books read 23 in 2025. 2026- 2 (target is 52)
Jigsaws done 20 in 2025. 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3
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