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Winter Wonders

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Comments

  • Rhyddid2026
    Rhyddid2026 Posts: 868 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    edited 4 January at 9:41PM
    I printed my debt tracker to colour in, and coloured in my first square!
    I also scanned in a letter of authority to deal with (a different) relative's problem. That's been on hold over the Christmas break. I will email it across in the next few minutes. 
    No potatoes were cooked today! I did eat some roasties that were left over from yesterday though. 

    ETA - I've just sent it rather than thinking about it for a couple of hours.
    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  £3.04
  • Makingabobor2
    Makingabobor2 Posts: 4,533 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Used up left overs  from freezer yesterday, but did finally open the Panettone. Was delicious & certainly brought joy. 
    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-up


  • Baileys_Babe
    Baileys_Babe Posts: 6,515 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    So far, I have cleared out the trap for the downstairs shower and put the oil-filled radiators back in the loft, having lent them to friends for December when their boiler broke.
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One     income, home educating family 
  • Wednesday2000
    Wednesday2000 Posts: 8,735 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    OATs - I called the window cleaner/gutters man and he is coming over tomorrow to give me a quote. I called up to book my dog in at the kennel for January and February and I'm going to email over the rest of the dates for the year, up to August. I also ordered a grocery delivery for tomorrow. I had to go and get cash out as this week I have the window cleaner, the cinema, a reiki session, a soundbath and a meditation class. Phew! :)

    I did almost 40,000 steps over Saturday and Sunday as I went to two local walks.

    I have ordered a few things from Amazon like suncatchers, a book and a pair of earrings because why not? I ordered a birthday card for my friend that I am seeing at the cinema this week too. I have to start the book for one of my book groups today.
  • Wednesday2000
    Wednesday2000 Posts: 8,735 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    Crazycatlady2 said:
    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

    I hope it goes as well as it can for you and you have a speedy recovery.xxx
  • KajiKita
    KajiKita Posts: 9,140 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 5 January at 1:43PM
    Ordered the bark for the veggie patch - that's all the materials organised now. 
    I just need the bark turn up before Monday and the labour to arrive on Monday! ;)

    Got out for a local walk after lunch - it was cold but beautiful sunshine :)

    KK
    As 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. 
  • SandyShores
    SandyShores Posts: 2,027 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Haven't kept up with all the posts - will have to read them later - but I have just thrown away a tube of M&S handcream that I have no idea where it came from its that long ago - freebie maybe.  Satisfyingly squeezed it all into the bin and recycled the metal tube.  Its been looking at me every time I open the undersink cupboard in the cloakroom - and I don't use handcream :smiley:  Btw - the fragrance had virtually gone.
    "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/yoga 

  • PennysIntoPounds
    PennysIntoPounds Posts: 5,556 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Decluttered an exfoliator, and cheese and crackers for breakfast
    Books read 2025: 73

    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
  • Rhyddid2026
    Rhyddid2026 Posts: 868 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    potato salad and coleslaw for tea, with the last of the roast pork, to use up some free veg. Enough left of both for lunch tomorrow. 
    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  £3.04
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