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Winter Wonders
Comments
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Liking the idea of micro greens. Must look into that ideaMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,644....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF #68 £1050/£3000
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Studies/surveys January
Decluttering items 1402/2025. 7/2026
Books read 23 in 2025. 2026 (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-up3 -
Happy new year, one and all! 🍾🥳🥂😁💜
I've had a gentle start to the year today - I've taken down (and thrown) the sticky jelly type decorations from the front door glass - they are around 7-9 years old and the last remaining few and they've perished now, really.
I've done a decent amount of ironing today and wiped out one of the big pantry cupboards (a much needed OAT). DD stayed here last night, so I gave her a couple of items from the pantry, some tubs of leftovers from the fridge and 2 very nice burgers from the freezer to take home with her. Some leftovers have been consumed and I've cooked one tray of chicken thighs in peri sauce (finishing up 2 packs and 1 bottle of the stuff) and 2 trays of chicken legs just roasted with some seasoning on. They've gone in the fridge and will go in the freezer hopefully tomorrow (some tidying required to complete the tetris moves needed) I've put all of the recycling at the bottom of the drive, ready for collection tomorrow (well, most of it - I haven't gone around the house looking for any as there was so much anyway!)
I plan to start taking down some decorations tomorrow - just the ornaments around the house, not the tree. And some more much needed cupboard wiping out/ tidying, alongside fridge and freezer cleaning/ sorting/ tidying. 😊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: £205 -
Happy New Year. I've actually finished a book - it was Pamela Stephenson's life story (wife of Billy Connolly). Will be passing that onto the CS now and have started on another - hope I finish this one before 2027!"Think of many things, do one"
Mortgage 30Jan'26 est. £204,330 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga5 -
Well I feel too seen @Sun_Addict 😂 *screenshots and sends to everyone*Sun_Addict said:Happy New Year 🥳
That outfit sounds marvellous @Wednesday2000. I have been wearing comfy clothing all day, but I did bother to put on some nice earrings my mum got me a few years ago. I will really try to take our mse advent 'blimmin enjoy it and don't second guess it' ethos into the rest of winter, it's so the time of year that needs most extra loveliness
Ta @Cheery_Daff, some explanation is rather warranted isn't it! Poor form from me and thanks for picking up
Ach @Rhyddid2026 don't feel unhappy to announce things being taken into this year, all that's happened is a thin bit of paper being turned in a diary, you're progressing brilliantly, and it's not even really your OAT to sort so extra brilliance points for you!
Enjoying 'gardening' vicariously through you all, and what a lot of OATs already done and put in motion, well done gang.
Hurrah for finishing a book @SandyShores, hope this is the start of a lovely literary year for you 🥂
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Oh yeah, good point 😂Debts 04/01/25 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.043 -
I'd like to join you, but I am paused until after our New Year Visitors have left the building. At least some of the European cheese mountain has been consumed (along with crackers, port, grapes and celery) - two days running. Also only five homemade mince pies to go, with five of us left - so they are out on a plate, on the aga, gently warming, with a compulsory, "you must have one before you go" - the tin is already washed, stacked (in a Russian doll formation) and in the cupboard for next year.
The fridge is nearly as full as when it started though!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 here9 -
Long overdue oat of cleaning out the bioethanol fire done. Slightly too wussy to use it now though 🤦♂️4
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It feels good to have a big bag of donations taken out of the house and my unwanted armchairs are being picked up next week.🙂
I had my first class of the year today. I’m wearing the same red dress as yesterday with a different red jumper as it feels quite cold here today.
I finished the book Flowers for Algernon today. It was very dark and depressing. I had heard of it as it is famous, but I felt like I should finish it once I started. I watched the finale of Stranger Things last night and was crying at that too. 😂
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The woman who reviewed it on the radio said she liked that it tied up lots of loose ends but she felt it did not need two hours to do so. I hope you enjoyed it.Wednesday2000 said:It feels good to have a big bag of donations taken out of the house and my unwanted armchairs are being picked up next week.🙂
I had my first class of the year today. I’m wearing the same red dress as yesterday with a different red jumper as it feels quite cold here today.
I finished the book Flowers for Algernon today. It was very dark and depressing. I had heard of it as it is famous, but I felt like I should finish it once I started. I watched the finale of Stranger Things last night and was crying at that too. 😂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 here2 -
I also sobbed at stranger things last night!
No OATs done today, back to back at work and still need to input my mileage this evening.
Does my potato/cheap veg use count as a potential OAT? Today I made saag aloo.Debts 04/01/25 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.043
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