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Investing in Us: Holidays, Health, and the Road to £150k
Comments
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@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.ladybird1106 said:I’m thinking about a herbal remedy to help with sleep, have you tried any before and did it help?
love 🐞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#latest4 -
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.ladybird1106 said:I’m thinking about a herbal remedy to help with sleep, have you tried any before and did it help?
love 🐞
As ever though, DYOR and make sure nothing you take will interact with meds or be contraindicated for you for any reason.
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.4 -
@KajiKita ah yes that's the other one I've tried.
So I've spent absolutely hours this afternoon sorting through paperwork because I am me and that means disorganised 🤦🏻♀️ DD needs her insurance papers for her test. Do you think I could remember who I insured with? No of course not. I had sent the paperwork to DP to print off. But we didn't happen to have ink that day. It never got printed. DP changed jobs therefore lost all emails from me. I deleted my sent items as I was running out of space and the email was lost with all the details 🙈. Anyway I went back through bank statements and eventually found the payment and then the provider. Then I had the issue of getting into the website as I forgot my password 🙈😆. I've found the document, it has been printed, and that was sorted.
I then had to remember who my car insurance is with to add business insurance to it. Ahem, same problem. Now sorted.
Then we needed to find DP and my insurance on DD car. 😬 Yes, third time is a charm I had same problems.
So anyhow, that's now sorted. Thank god. DP has laughed and then quite seriously said, I think it's time I took over the renewals and keeping track of who provides what insurance and passwords etc. 🙈 I feel quite relieved. It's been my job for nearly thirty years and I've still never remembered to write down passwords where I can find them again 🤣🤣🤣.
DP says I should be blonde. 🙈
So three insurances sorted. I paid for the extra to add business insurance (mostly admin fee). I went through mine and DP insurance on DD car and went into the change policy bit to add DD just to see how much it would be with her on our insurance...it's around £670 so that works out ok I think. I'll see if she passes her test and if so probably go with them.
Also had to pay gas and electric as had threatening letter X2.
Have raided EF to do it ☹️ so that's up to date.
Anyway admin done, am chilling now after the stress of that. 🤯🤣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#latest6 -
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 suggests22: 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'3
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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'4 -
When I worked for civil service I had those a - z’s too. I has one for passwords but like yours daisy it’s more or less unreadable now!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.5 -
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#latest4 -
For car insurance, every time I renew with / change provider I update the claims line number in my phone, with name of provider month and year of renewal and the policy number as a note underneath it. That gives me a starter for 10 … 😊
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 -
Queen_of_the_Hive said: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 @debtfreewannabe3212026 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 COMPLETED4 -
At this point in my life I'm surprised I've made it this far with just how disorganised and chaotic my life is (with things like paperwork 🙈) it's something I hate doing. DP has mentioned getting rid of the sofa in his office and perhaps putting a desk in for me - smaller than his as his takes up half the room, but enough so I have somewhere to store things. Right now my paperwork is usually chucked into the junk drawer 🙈🤣. Or bin. 🫠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#latest7
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