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Investing in Us: Holidays, Health, and the Road to £150k

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Comments

  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,303 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’m thinking about a herbal remedy to help with sleep, have you tried any before and did it help?
    love 🐞
    @ladybird1106 I sometimes take magnesium glycinate before bed but it can make me groggy. I've tried a few herbal sleep tablets and I'm not convinced they worked. My DP takes a half an antihistamine if he wants sleep as it keeps him in a deep sleep. It does the same for me too but makes me really drowsy and unproductive the next day 😆 okay if you're on holiday but not so much if you need to be up for work. 
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £128.27/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • KajiKita
    KajiKita Posts: 9,288 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I’m thinking about a herbal remedy to help with sleep, have you tried any before and did it help?
    love 🐞
    Valerian is said to be good and I took it for a long time, but I was advised at one retailer that it builds up in your liver so some European countries don’t sell it freely any more. Preparations with hops are said to be good alternative. 

    As ever though, DYOR and make sure nothing you take will interact with meds or be contraindicated for you for any reason. 

    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. 
  • daisy_1571
    daisy_1571 Posts: 2,643 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    There's been a Michael moseley thing on in the last few days about better sleep.   I've not watched it yet so no idea what it suggests 
    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'
  • daisy_1571
    daisy_1571 Posts: 2,643 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I bought an a to z book years ago and put the passwords in under the relevant letter.   That fell apart so I had an unused address book so thats been in use for years and now needs to be updated- so many changes over the years it starts to get complicated to work out up to date email and password combo.   I've got a new cheapie address book now so we need to transfer the current stuff over.   

    I've not been able to find a simple note book with a to z indexed pages for about 20 years, maybe they don't make them anymore?   (I like to see things in a real shop so haven't searched online)  back in the days Banner had the contract for stationery in dept for employment i got my first book like that (nearly 40 years ago now).  I used it to jot down notes that could be found again easily due to remembering what subject or heading I would likely have stored it under.  I kept that sort of system through all my various civil service jobs so I suppose its just the way my mind works.   But I couldn't be doing with your system dfw 😆 😂 🤣  I like to be able to put my hand on something fairly quickly not spend precious weekend hours searching for stuff 😆 

    Dxx


    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'
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,303 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My system is atrocious 🤣😇 can it even be called a system when I've no clue about what provider I'm even with or where anything is like pieces of random paper with passwords on 🤣🤣. Think that might be a stretch lol. 
    I used to have an A-Z book for this sort of thing too. Then I started using my phone notes but I'm not very good with writing them all down. I tend to screenshot and then run out of space and delete them without making notes anywhere else 🤦🏻‍♀️😇🤣.
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 1/7 lb 
    Mortgage OP goal 2026 - £128.27/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,295 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Morning all, 

    Hope you are having a good saturday so far. 

    Made it out again for a walk - we actually had errands to run. This was quite funny. We have a small holiday apartment in the same town we live in. We needed to take the Christmas tree down and meet our handyman for a couple of small jobs. Jobs done, nothing too exciting except the replacement bag for the Christmas tree was much larger than anticipated. It must have fit a good 8 - 9 ft tree. Now baring in mind this tree was 5ft. My poor partner had the indignity of carrying the bag from one side of town to the other. We don't have a car so very used to carrying things from A to B. It really did look dodgy, just glad the bag was in red and clearly was related to Christmas but boy it was massive! Lesson learnt, next time we will get a taxi! Total steps so far 3.7k. 

    It was! I'm a turkey! Thanks @debtfreewannabe321
    2026 financial goals & challenges!

    1). Mortgage (started Jan 2024) £102,000.00 / £122,400.00 Overpayment total: £1239.11 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 30%

    2). #TBC Save 1p a day challenge 2026 £0/£780

    3). £2443.38/£3000 in Investment ISA (32/50 investments)

    4). Sensible money choices & debt reduction

    5). Lose weight, get fitter and read 12 books in 12 months in 2026. 1 out 12 COMPLETED
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