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A Very MSE Advent 2025
Comments
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@Wednesday2000, our new passports arrived on the Friday after we applied for the them the previous Saturday a couple of weeks ago
KK
As 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.6 -
Oh wow. That was fast.🙂 I would like to get away for some winter sun in January so fingers crossed.5
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Candlelit yoga for me this morning (well, technically it was this afternoon by the time I got round to it, but still), and I've booked an appointment with the council pest control people - not exactly festive but it'll be nice to at least be half way to dealing with the rat in the loft by Christmas
8 -
Chose a pendant today that makes me think of snowflakes ❄️ and dangly moonstone earrings that make me feel pretty 🤩
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.10 -
Sparkly diamanté earrings for me today.
Cards are all posted except one which I want to include a letter in.
We have a tree! Decorated that and the flat.
My full-time job for the next few weeks appears to be kettling pine needles 😁https://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 Carmichael7 -
I thought I'd forgotten today because I've been out at work and left in a rush, but I've just noticed I have candy cane socks on!!Debts 04/01/25 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.048 -
Thanks for the reminder re passports, ours need renewing so will get onto it.
@Wednesday2000 we saw Bryan Adams at a different venue and thought he was great.
Not much sparkle being worn by me but instead wearing bright colours or something with a vibrant pattern to lift me. Not wrote a card yet and only wrapped 3 presents.
6 -
Yesterday we donned our Xmas jumpers and went into town late to check out the Xmas market & see the Xmas lights. Did spend a ridiculous £8.50 on some decidedly mediocre churros for ds but otherwise no purchases made - tbh it was pretty disappointing.
Oat - wrapped a couple more presents when I got home
today played Xmas music while turning the house upside down looking for something dd lost but needs for the weekend - only took me 4 hrs to find it
. Plus side I made decent progress on the pre Xmas clean/tidy/decutter and sorted a pile of items to donate.
Aiming to wrap a couple more presents laterthis year do something that scares you for courage is not the absence of fear just the knowledge that some things are worth the risk5 -
We went to a matinee this afternoon which was very enjoyable. I wore my sequin festooned jumper and penguin socks. I did wear trousers too in case you were wondering.
on our way home we did a drive around the neighbourhood looking at the Christmas lights which was nice and festive.
i'm having a fancy hot chocolate later!6 -
Jackie Wilson’s “She’s so Fine” came on the radio as I was cooking dinner this evening. Led to a very fun boogie 😊🤩
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.6
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