Debt Dumpers 2025

I've been brainstorming some ideas for things we can do that are very low cost/free as a family (but most of these would also work as a date night idea!).

Bake something, go for a hike/walk somewhere other than the neighborhood, cook a meal, movie night at home with popcorn, crafts (painting, coloring, etc), puzzles and charcuterie board, go to the shelter and borrow a dog for the day (we go for a walk and then get a pup cup!), volunteer somewhere. I'm sure there's more there, but that's what I came up with for right now.
I don’t know how good your local library is, but ours has many free things. Museum passes (you have to reserve them though), ‘adventure’ kits (pasta making, karaoke, metal detecting, etc), a streaming stick with their Netflix & movies anywhere account - plus they have a WiFi hotspot you can borrow if you don’t have internet, and yard games. Of course they also have events you can sign up for in the library as well.
 
I've been brainstorming some ideas for things we can do that are very low cost/free as a family (but most of these would also work as a date night idea!).

Bake something, go for a hike/walk somewhere other than the neighborhood, cook a meal, movie night at home with popcorn, crafts (painting, coloring, etc), puzzles and charcuterie board, go to the shelter and borrow a dog for the day (we go for a walk and then get a pup cup!), volunteer somewhere. I'm sure there's more there, but that's what I came up with for right now.
This time of the year we like to take a drive to look at the decorated houses.

I’m sure every area has its thing but we meet a bunch of friends and go to the lobster trap tree every year. https://www.lobstertraptree.com/

Our friends also do Sunday funday and rotate who hosts. Everyone brings a food dish and we enjoy hanging out with each other.

I also love cookie swaps this time of year. Low cost, lots of fun and you leave with a box full of cookies.
 
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I don’t know how good your local library is, but ours has many free things. Museum passes (you have to reserve them though), ‘adventure’ kits (pasta making, karaoke, metal detecting, etc), a streaming stick with their Netflix & movies anywhere account - plus they have a WiFi hotspot you can borrow if you don’t have internet, and yard games. Of course they also have events you can sign up for in the library as well.

Ah yes! Our library has so many things I never knew we had access to! We joined a local homeschool group that meets there occasionally and they clued us into all the amazing things they offer.


And of course Christmas light looking is on our special holiday list of activities. I make hot cocoa and put them in to-go coffee cups for everyone, we load up in our jammies with blankets, and roam the neighborhoods. We also have a free light display put on by a volunteer group we usually toss a few dollars in their donation bucket.
 

As we enter the last month of 2025... anyone ready to set goals for 2026??

I already started! I'm making a master list of all the things, both financial and not, that I want to accomplish. Throughout the month I'll fine tune it down to a more realistic list of things so I don't overwhelm myself and then get discouraged.
 
Not budget related but when I had my 58th birthday a couple of months ago I decided to create a list of 60 things to do before I reach 60. Very few of these are travel related as there is no point in saying "I want to visit Australia" (which I do) as I can't realistically do that whilst my mum is alive / living independently as it will just be too stressful and there is no point having things on a list that could be completely out of my control.

Some of them are relatively straightforward - read 60 books, see 60 bands (I go to a couple of music festivals a year and that is well within the remit of those without to much difficulty) but others are a little more challenging
- perform 10 push ups (never manged 1 in my life)
- perform downward dog again (not been possible since my surgeries)
and the one I suspect will not happen is "climb a spiral staircase in a castle without having a complete meltdown"

I haven't finished drafting the list, so any suggestions welcome as long as they don't involve jumping off of or out of anything - I am terrified of heights and I know myself well enough.

Many of them have no financial impact but the one that does is "get DH to retire". We have relatively large pension pots waiting for us more by luck than judgement, and work for DH is becoming increasingly frustrating for him as his clients are being idiotic (a project that HAD to go live on 1st July meaning he worked through planned vacation still doesn't have full requirements specified, never mind actually being deployed for example).
 
and the one I suspect will not happen is "climb a spiral staircase in a castle without having a complete meltdown"
On our anniversary cruise we stopped in Cork, Ireland so we went to Blarney Castle, which we did on our honeymoon too but at 28 it was easy. At 58, well I did it and I didn't cry at all. LOL I skipped kissing the Blarney Stone. No need to do that twice.
We also stopped in Belfast and of course growing up with Led Zeppelin's Houses of the Holy album at home, I really wanted to visit the Giant's Causeway. I am terrified of heights too but I did it. I didn't go nearly as far out toward the water as I would have liked but we have good pics. :cloud9:
I didn't know at the time there was anything wrong with my thyroid. I just felt weak and not myself.
Anyway, I'm glad I did it.

I was in Venice on a tour of Italy at age 23 and would love to go back for my 60th. Dh has never been and it's just so unique.
We did a Med cruise together that stopped 3x in Italy but no stops in Venice. Also Hawaii and Costa Rica are on our bucket list.

ETA: Have you ever climbed the Leaning Tower of Pisa? It's not in a castle but the leaning really adds to the adventure. It's not such a tight spiral like some castles.
 
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ETA: Have you ever climbed the Leaning Tower of Pisa? It's not in a castle but the leaning really adds to the adventure. It's not such a tight spiral like some castles.

I had no idea you could go in that much less up it!


We are adding multiple long weekend trips to our year next year. Nothing extravagant, mainly exploring more of our state (we've never done Western Oklahoma and there's a lot of awesome outdoor activities that way that would be a perfect Sat-Mon trip, including some camping/cabin stays, the salt plains, etc.

We're starting to get better about packing food or grocery shopping when we get there to help keep costs down while staying somewhere. Our last trip (a week at GWL in Houston) we bought several of the fully cooked microwave reheatable meals and took a cooler that we refilled with bags of ice from the ice machine. The meals cost about $25 for all 5 of us to eat on and we're pretty tasty! We bought fruit and veggie trays to snack on, donuts/pastries from the grocery store, a case of water and flavor packets and soda for us adults, other snacks, and several different microwave meals and I think spent $150 for everything. Meanwhile, we decided to do pizza and wings and cheese fries from the lodge one night (kiddos birthday) and it was $83! 😶
 
We're starting to get better about packing food or grocery shopping when we get there to help keep costs down while staying somewhere. Our last trip (a week at GWL in Houston) we bought several of the fully cooked microwave reheatable meals and took a cooler that we refilled with bags of ice from the ice machine. The meals cost about $25 for all 5 of us to eat on and we're pretty tasty! We bought fruit and veggie trays to snack on, donuts/pastries from the grocery store, a case of water and flavor packets and soda for us adults, other snacks, and several different microwave meals and I think spent $150 for everything. Meanwhile, we decided to do pizza and wings and cheese fries from the lodge one night (kiddos birthday) and it was $83! 😶
This is the way we travel also. We even have a cooler that we take on the plane with us! Previously we would buy one wherever we were and donate it on the way to the airport. Now, I use it to pack our hiking shoes in. It has a sticker on it for each state it has traveled to. We will have occasional eat out meal but I remind myself if we eat out of the cooler we can travel more. It also helps with over eating because we never sit down starving.

@Nettlelondon you have inspired me. Today is my 50th and my plan had been to be in the best shape of my life before my next bday. In the back of my my though I was continually telling myself it wouldn’t be realistic. So now I am making myself a list of 50 things to accomplish this year which will help with my overall physical, mental, spiritual health. For example, purge 50 items per month (mental), read 50 unfamiliar Bible passages - goal of one a week (spiritual), walk 50 miles each week (physical). Off to figure out 50 things, they don’t all have to have the number 50 theme in them, that I want to accomplish this year. The first one on the list will be to not take on any debt.
 
@Nettlelondon you have inspired me. Today is my 50th and my plan had been to be in the best shape of my life before my next bday. In the back of my my though I was continually telling myself it wouldn’t be realistic. So now I am making myself a list of 50 things to accomplish this year which will help with my overall physical, mental, spiritual health. For example, purge 50 items per month (mental), read 50 unfamiliar Bible passages - goal of one a week (spiritual), walk 50 miles each week (physical). Off to figure out 50 things, they don’t all have to have the number 50 theme in them, that I want to accomplish this year. The first one on the list will be to not take on any debt.
Happy birthday.

I didn't do 40 things in my 40th year, but I did use it as a hook to hang experiencing different things - so for example, we went to an opera and to Cirque du Soleil (both for free as I did it as part of corporate hospitality by standing in for my boss at a couple of events). Neither were for me but at least I tried. I have put "go to the ballet" on the new list as I have never done that.

We are very fortunate that we live about 20 minutes from central London so can get to a lot of things very easily and can take advantage of lots of offers and, if I can get DH to retire, we can go at less popular times to keep the cost of some of my silly ideas under control.

Once I turn 60 I get huge savings on transport as I live in greater London so that will be fab, but obviously I won't be able to use that for 60 things before I am 60.
 
@Nettlelondon you have inspired me. Today is my 50th and my plan had been to be in the best shape of my life before my next bday. In the back of my my though I was continually telling myself it wouldn’t be realistic. So now I am making myself a list of 50 things to accomplish this year which will help with my overall physical, mental, spiritual health. For example, purge 50 items per month (mental), read 50 unfamiliar Bible passages - goal of one a week (spiritual), walk 50 miles each week (physical). Off to figure out 50 things, they don’t all have to have the number 50 theme in them, that I want to accomplish this year. The first one on the list will be to not take on any debt.
:bday:party:

Those are great ideas! Hope your birthday is exactly as you want it to be :hug:
 
I had no idea you could go in that much less up it!
It was closed to the public when I was there in 1990. So when I went with dh and the kids in 2013, I was very determined to climb it. It was similar to climbing Barnegat Lighthouse at the shore but there's no handrails. Sometimes the leaning makes you lean back, sometimes you're leaning forward. It was wild.
 
I haven't been to Pisa, it is on the travel hit list - and could possibly achieved as that would be a relatively short trip but that is a whole separate list!
My father is of Italian descent and all my life I pleaded for him (and my grandmother) to visit Italy. I feel like everyone should explore their roots. They both resisted due to the long flight. We finally got him there in 2013 on our Med cruise. The saddest part is that now with his dementia, he doesn't even remember it. :sad: I never did get my grandmother there. I told her after my first trip I'd do my Perillo tour all over again just to spend it with her but she would never fly. 💔
 
All this talk has me wanting to make a 40 things before I turn 50 list. I just turned 40 in October so I feel like a 10 year "wish list" could be fun and plenty of time to save up for the big European River Cruise I'd love to go on with the family.
 


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