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A Very MSE Advent 2025
Comments
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Wearing a very peculiar crystal stone studded frog ring, it's too big for me to wear usually but today its adorning my thumb. I think I bought it years ago because its existence made me laugh, I'm very fond of it.
I've also gone mad and put on lipstick, which I never wear but tis advent!
Going for a wintery walk with Mr PIP later and I expect a pub pint might make an appearance, just because we can 😊🍻
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 Carmichael4 -
Watching muppet xmas carol film
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'6 -
I have my Christmas Snoopy sweatshirt on & my friend did my nails in a lovely royal blue.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.6 -
OAT: Went out in the dark, with a torch to get the gas reading. Both energy readings submitted before deadline tomorrow 😊
Advent cheerfulness: I treated myself to a 2nd hand copy of ‘The climate change resilient vegetable garden’ for Christmas reading, and it arrived today 😊
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 5 books of target 52 in 2026 as @ 13th 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.8 -
@KajiKita we are aligning again - I too have been out in the dark in the field reading the LPG meter 😂 37% so need to put an order in, and I'll do it now to avoid putting it off.
Also texted the plumber this morning - the boiler has been slightly dripping for a few days. Not an emergency and I can't imagine anything will get done til the new year but might as well put a request in.
Been out doing some more Christmas shopping today. Got most of what I need now 😊 Will need to nip out for a few things tomorrow.8 -
Finished work on Friday for 2 weeks, but managed to finish with a lurgy (but the Y11s have been snuffling and sneezing everywhere for the past fortnight) - am hoping tomorrow is the start of feeling better.
Have done a decent amount of wrapping today - will hopefully finish it tomorrow (mostly small stocking stuff to do) Need to nip into town to see if I can get 2 of the boys some new jeans and I might need 1 more Xmas card... sigh...
Have an indecent amount of food around - but hopefully none of it will go to waste! (I hate food waste with a passion!)
Still not feeling overly Christmassy- I think that's down to the lurgy. Hopefully 🤞 no-one else in the house gets it...I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £202 -
Hope you feel better soon @greent
Good to hear everyone is almost done for Christmas, I absolutely cannot believe Christmas day is only three sleeps away! This month has flown by..
I just need to get Mr PIP a food/drink something from me and a specially selected beers bundle from my mum tomorrow, and I am all done
P.s. I will of course be choosing ludicrous earrings to wear whilst finishing the Christmas shop! 🥂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 -
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 5 books of target 52 in 2026 as @ 13th 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 -
Not posted much, as been busy. But all presents now wrapped & meat collected from butcher.
Christmas sherry has been opened, tin of sweets are out of the cupboard, as well as the other goodies I have been stockpiling over the weeks & we have watched Love Actually.
Even found a nice Christmas jumper in CS.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
.
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-up7 -
I also checked the gas in the dark. Not yet showing red so do not need to order more Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!5
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