2025 GOALS
43/25 classes
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A Very MSE Advent 2025
Comments
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I am wearing a pretty silver and tanzanite ring I rarely wear, and have gone wild and put on a different perfume that doesn't get worn enough, very much enjoying it.
Feeling like there is far too much to do but if I can have a big push and finish cleaning the flat today then we will be ready for getting a tree tomorrow.
There will definitely be a reward Baileys in it for me!4 -
I might have to join people in a reward Baileys later - not entirely sure what I'll be rewarding myself for, but I've got the rest of the day to work on that!🎉 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/her7 -
This morning I took my sprout earrings out for a run. I thought they went excellently with my rainbow coloured leggings and bright orange top but DH said he thought they might have added extra wind resistance and slowed me down. Personally I think my slower running pace this morning had more to do with the 2 pints of beer I had last night. Who can say which one of us is right?
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My Advent joy today is an OAT, I had 12minutes to get ready this morning, couldn't find a bra, remembered I had a drawer full of nice ones in an old size, tried one and it fitted! So I've pulled out a few others I think will fit. I can try them later, but it's like I've been underwear shopping for free!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 £203.999 -
My advent joy for today is doing the GCHQ Christmas puzzle with Mr Sl by 4pm today, the first day it is up. He didn't even share it until 10.30. It must be easy, we aren't that clever!
Feeling more than a little smug, we are having a pot of tea and two (mini) mince pies each 🐖🐖🐖 ho, ho, ho!Save £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
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 thread
My new diary is here8 -
It's Wednesday isn't it? That's enough reason for a reward! Nearly the end of the week for me and you 😁EssexHebridean said:I might have to join people in a reward Baileys later - not entirely sure what I'll be rewarding myself for, but I've got the rest of the day to work on that!6 -
Yes, and it's after mid-day so moving swiftly towards the weekendCheery_Daff said:
It's Wednesday isn't it? That's enough reason for a reward! Nearly the end of the week for me and you 😁EssexHebridean said:I might have to join people in a reward Baileys later - not entirely sure what I'll be rewarding myself for, but I've got the rest of the day to work on that!Save £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
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 thread
My new diary is here4 -
I had a nice lunch out today wearing my new necklace. I treated myself to a wild rose balm from Neals Yard and a slab of lemon sherbet flavoured fudge on the way back to the hotel.😍5
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Despite spending all afternoon doing my best brat impression and whining that 'I don't wanna', the flat is acceptably clean for now so Baileys Cheers all!
I am so enjoying watching the Shard being a Christmas tree in the evenings, I will miss this view.
(The Shard (very tall building in central London) has different colours running up its tip in winter)
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Rich colours in my jewellery today - amethyst earring and a red pendant 😊
Made my non-internet-using friend happy by letting her know that Monmouth pause-flower reopens tomorrow 😊
Started taking actions to having more life next year: downloaded the 2026 programme for the nearest garden society and looked up what evening / time a local choir meets.
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
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