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Winter Wonders
Comments
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I ordered next year's birthday/occasion cards and Christmas Cards. I like having my cards ready for the year ahead. Funded from the birthday/celebrations pot. Saves money by not having to panic buy cards and post them 1st class cos I'd failed to note that a birthday falls on the same day every year and Christmas is always in December. 🤷♀️
5 -
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 01/11/26
CC total £20,411.34 £13,370
OD £1100 £0
Car loan £4,000 £2,100
Roof loan £10,684.44 £0
Total £36,195.78 £15,470
EF £5,000
HF £0.52
EB £2402 -
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 £25,444....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £350/3000
Studies/surveys November £23.88
Decluttering items 1400/2025. 460/2026
Books read 2025/23 2026- 24 (target is 52)
Jigsaws done 20 in 2025. 5 in 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
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 family3 -
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.3 -
I hope it goes as well as it can for you and you have a speedy recovery.xxxCrazycatlady2 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 action3 -
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
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2026 as @ 1st November.
Produce tracker: £348 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 -
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
Btw - the fragrance had virtually gone. "Think of many things, do one"
DFW 2019: MFW aim 2031: bal end Nov26 £158k / £310k 2020
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga3 -
Decluttered an exfoliator, and cheese and crackers for breakfasthttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
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 01/11/26
CC total £20,411.34 £13,370
OD £1100 £0
Car loan £4,000 £2,100
Roof loan £10,684.44 £0
Total £36,195.78 £15,470
EF £5,000
HF £0.52
EB £2402
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