2025 GOALS
43/25 classes
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A Very MSE Advent 2025
Comments
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I chose the Black Forest hot chocolate and added cherry liqueur. It fuelled me to walk up the steep cliff path to get back to our holiday cottage so I count it as a fitness drink.9
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I bought myself a quite expensive Christmas gift today after my (43rd!) class, a sparkly necklace from a local jewellery store. I wore it out to the panto this afternoon. The panto was funny, it had Rylan Clark and Ross King. They made a comment about Ross having his friends there and I'm wondering if it was Lorraine Kelly as I read she was going to go and heckle him from the front row.
We had chips afterwards from a local chip shop. I'm not going to relax and watch YouTube. I don't have much to do tomorrow so it will just be a day at home.
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I’ve blitzed Christmas cards this evening! 💪👏
Feeling a lot less guilty now … 😂
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 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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.5 -
A whole load of extras for Mr KK and myself remembered, written, addressed and posted 😊❤️
Signature updated with latest mortgage balance.
Remembered to put quality engineer’s Christmas present in the kitchen so I remember to take it into work tomorrow 😊
Shattered now but relieved! 😌
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 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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 -
@Blackcats it would have to be mulled wine and mince pies. We like mince pies. A lot.
With five jars of hm mincemeat I thought I should get going. Two dozen made yesterday, and a dozen muffin tin pastry moulds frozen. I make crumble for the tops and then a simple rustic star. Here's a pic
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 here7 -
Today is 2nd class postage deadline day for "guaranteed" delivery by Royal Mail. Just saying...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 here7 -
Oh goodness me! Mine will all be late then, as usual 😂 oh dear!
Candlelit yoga for me, and a lovely sunrise, which my phone camera did NOT do justice to.
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Those mince pies look lush SL!
Earrings today are little enamelled snowmen - very cute!
Also in the spirit of the season decided to dump £1k from a matured regular saver into the mortgage just because... :-)🎉 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 -
Love this so much.Cheery_Daff said:Oh goodness me! Mine will all be late then, as usual 😂 oh dear!
Candlelit yoga for me, and a lovely sunrise, which my phone camera did NOT do justice to.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 -
Thanks beanie, it was a special little moment stepping out of the front door this morning 😊
Forgot my festive earrings! Little rudolfs with antlers and a red nose 😁4
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