We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
PLEASE READ BEFORE POSTING
Hello Forumites! However well-intentioned, for the safety of other users we ask that you refrain from seeking or offering medical advice. This includes recommendations for medicines, procedures or over-the-counter remedies. Posts or threads found to be in breach of this rule will be removed.Winter Wonders
Comments
-
OAT begun - booked the car in to get the brakes (which are a bit noisy) looked at on Friday 13th …
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 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 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 -
Spoke to my boss about changing hours. Have little hope that it will actually work out but at least I tried.
2 -
Using up the odds and ends of things in the fridge in wraps for dinner
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 Carmichael1 -
The cordless vax is working again, not quite like new but definitely usable.
I've got the dehumidifier running in the conservatory because the wood is unusable after the days of torrential rain and the soil in Trev's box is a bit too damp too.
Gentle OATs for me this week, chasing up the change in circs for my new job role ASAP, and chasing up HR about increasing pension contributions if I haven't heard from them by Wednesday.
Debts 04/01/25 02/02/26
Natwest2 £6,509.97 £5,100
NatWest CC £7,612.74 £6,535
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £3.53
CC total £20,411.34 £16,088.53
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7,655
Total £36,195.78 £27,743.53
EF £1,100.13
HF £101.432 -
I've got to steel myself to contact the consultant my pelvic scan results should have gone to. Thanks to an admin mess up (sending me to the wrong hospital and allocating to an unknown doctor), I suspect he has not seen the results, so I need to nudge it back into view. It's a new system and naturally, nobody thought to mention to the admin appointments team (now doing this centrally) that there are postcodes for one County in the other that is covered by the system 🙄. Had I gone to the appointed hospital, they would have had no access to my records, why I was there, or any continuity of view. I managed to get a different appointment but the "wrong" consultant (at the wrong hospital) is still showing as the appointed medic!
Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
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 in 2026 discussion thread
My keep within our budget diary is here4 -
That sounds stressful @Suffolk_lass I hope you managed to get it sorted.
I've used up my last Christmas cheap veg red cabbage.
I've been in contact with HR and business admin, not got it sorted but have made some steps towards it.
Debts 04/01/25 02/02/26
Natwest2 £6,509.97 £5,100
NatWest CC £7,612.74 £6,535
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £3.53
CC total £20,411.34 £16,088.53
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7,655
Total £36,195.78 £27,743.53
EF £1,100.13
HF £101.430
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.4K Banking & Borrowing
- 254.1K Reduce Debt & Boost Income
- 455K Spending & Discounts
- 246.5K Work, Benefits & Business
- 602.7K Mortgages, Homes & Bills
- 178K Life & Family
- 260.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards