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Winter Wonders
Comments
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Just realised I have had no quality street or roses this year at all. No wonder it never felt like Christmas 🤣3
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That's perfectSun_Addict said:I thought this was quite appropriate for what we’re trying to achieve on this thread:
Making 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
.
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-up1 -
No luck with the inverter. Off to research Green and ethical boards (I can't believe I have never been there before!)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 -
House is dechristmassed! 👏
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- 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 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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.2 -
I've just been reading something about the tradition of leaving decorations up until Candlemas. So I'm going to take mine down gradually.KajiKita said:House is dechristmassed! 👏
KK
I've finished sawing up the scrap wood, so can now start bringing it in to clear the log store ready to shift the small branches etc that have been bagged up for 2 years under cover to burn next.
Battery is full, hot water is heated with solar, so I'm going to turn the over on to cook some salmon that needs dealing with, and have a shower so the water can reheat with solar before sunset!2 -
All the indoor decs are down and the tree has left the building. Outside lights need DS to do the ladder bit and he has no access to a car today as his partner is working an 8-8 shift - tomorrow is twelfth night, when we like ours down by thoughSave £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 -
I will have to tackle my oat list as I have to have brain surgery in a couple of months and want to leave house in best state I can for them while I'm out of action
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Love this.Sun_Addict said:I thought this was quite appropriate for what we’re trying to achieve on this thread: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.2 -
Decluttered a pen that I would usually try to get more out of but it was becoming very daft, a seed tray, three place mats, a big tray, a little tray, and the filter coffee machine we never use.
Mr PIP cleared some cupboard space by cooking all the leftover potatoes, which granted doesn't help with freezer space but it's cupboards we're focusing on!
Oh my goodness @Crazycatlady2, that sounds a bit scary, sending all best wishes. Absolutely get smashing those OATs so your brain can relax and enjoy the anaesthetic 😁🥂3 -
Removed hangers (those picture ones with the three tiny pins) from the wall panelling I want to remove. Moved to wooden side so I can still hang my keys somewhere4
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