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From care-free spender to debt-free saver
Comments
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Just had a wee read through of your diary and you're doing fab so far. Good luck with stretching your money to payday
Mortgage 26.4.25 - £108,500 1.5.26 - £103,410.78 (4.7% paid)
Mortgage overpayments so far - £930.89
Debt 16.11.25 - £5160 1.5.26 - £4560 (11.6% paid)
Roof savings - £1511.38/£3660 (41.3% saved)0 -
Popping in to say good luck on your debt-free journey, you seem to be very determined.
I will subscribe to cheer you on your way! :T
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4861/£60000 -
Just had a wee read through of your diary and you're doing fab so far. Good luck with stretching your money to payday
Thanks! Luck is always good to have. Very early days yet, but I hope I can keep it going.Loan 1 : £4156.80 (£3741.12) - 18 payments of £207.84 left
Loan 2 : £1659.86 (£1358.05) - 9 payments of £150.90 left
Loan 3 : £391.44 (£0)
Loan 4 : £76.64 (£0)
CC1 : £666.27 (£629.04) CC2 : £1758.54 (£1587.77)
Overdraft : £1250 Total: £9959.55 (£8565.98) = 86.01%0 -
LittleMissDetermined wrote: »Popping in to say good luck on your debt-free journey, you seem to be very determined.
I will subscribe to cheer you on your way! :T
LMD x
Thank you very much! It means a lot to be called determined by someone named determined...Loan 1 : £4156.80 (£3741.12) - 18 payments of £207.84 left
Loan 2 : £1659.86 (£1358.05) - 9 payments of £150.90 left
Loan 3 : £391.44 (£0)
Loan 4 : £76.64 (£0)
CC1 : £666.27 (£629.04) CC2 : £1758.54 (£1587.77)
Overdraft : £1250 Total: £9959.55 (£8565.98) = 86.01%0 -
Ok, so today I had a NSD. My cat, on the other hand, did not. £5.28 spent on food and litter. He costs nearly as much as I do. I guess he is worth it though.
This leaves my running total for the rest of the month at £46.52.
BUT WAIT!
I did raid my penny jar, and it was quite the haul. Well, more than I expected anyway. I have another £21 in sensible change to use this month. That actually puts my total money until payday at £67.52 which is so much better!
It is illustrative of my normal thought processes that the first thing I thought when I counted out this money was "fantastic, I can afford to treat myself to a takeaway tonight!"
I really hope it's indicative of success in this debt free mission that I immediately realised how ridiculous that was and made a sandwich instead.Loan 1 : £4156.80 (£3741.12) - 18 payments of £207.84 left
Loan 2 : £1659.86 (£1358.05) - 9 payments of £150.90 left
Loan 3 : £391.44 (£0)
Loan 4 : £76.64 (£0)
CC1 : £666.27 (£629.04) CC2 : £1758.54 (£1587.77)
Overdraft : £1250 Total: £9959.55 (£8565.98) = 86.01%0 -
The hardest part of aiming to clear your debts is the temptation to spend. If you overcome this temptation, you will win the war of your debts.Never Knowingly Understood.
Member #1 of £1,000 challenge - £13.74/ £1000 (that's 1.374%)
3-6 month EF £0/£3600 (that's 0 days worth)0 -
craididlyaig wrote: »Ok, so today I had a NSD. My cat, on the other hand, did not. £5.28 spent on food and litter. He costs nearly as much as I do. I guess he is worth it though.
Well it could be worse. At least the cat doesn't demand fancy clothes or Xbox games.0 -
Well done on coppering up to stretch your available cash out to pay day, I counted mine last week and had £30! Was well pleased...
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4861/£60000 -
Well it could be worse. At least the cat doesn't demand fancy clothes or Xbox games.
Well he has had his eye on the new FIFA game, but I'm being stern.Loan 1 : £4156.80 (£3741.12) - 18 payments of £207.84 left
Loan 2 : £1659.86 (£1358.05) - 9 payments of £150.90 left
Loan 3 : £391.44 (£0)
Loan 4 : £76.64 (£0)
CC1 : £666.27 (£629.04) CC2 : £1758.54 (£1587.77)
Overdraft : £1250 Total: £9959.55 (£8565.98) = 86.01%0 -
LittleMissDetermined wrote: »Well done on coppering up to stretch your available cash out to pay day, I counted mine last week and had £30! Was well pleased...
LMD x
It's like free money from nowhere, isn't it?Loan 1 : £4156.80 (£3741.12) - 18 payments of £207.84 left
Loan 2 : £1659.86 (£1358.05) - 9 payments of £150.90 left
Loan 3 : £391.44 (£0)
Loan 4 : £76.64 (£0)
CC1 : £666.27 (£629.04) CC2 : £1758.54 (£1587.77)
Overdraft : £1250 Total: £9959.55 (£8565.98) = 86.01%0
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