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Small Steps Out Of Massive Debt!
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LOVE the idea of the % of a roof as a unit of spending 😁
Our lives seem to be running in parallel again, I’m moving in April too (finally!) and also doing sums about work to be done. And wondering why I didn’t find somewhere that didn’t need any work done at all, though it’ll be worth it in the end 🤞Debt at LBM (Dec 2018): £23,167
Debt free Feb 20212 -
I’m so excited for you @astrocytic_kitten ! I have the same feelings about the work that needs to be done, but then I would have had to compromise on a lot more to get somewhere that didn’t need any work so hopefully it will be worth it all in the end 😁3
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Congratulations on exchanging contracts. Not too long until you are in your new home.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
Save £12k in 2025 #1 £12000/£70003 -
Thank you! It’s an exciting time 😀enthusiasticsaver said:Congratulations on exchanging contracts. Not too long until you are in your new home.2 -
£25 won in the April PB draw
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Brilliant! I'm hoping for a win next month 👍Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again3
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Fingers crossed for you @Naomim ! 3
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Great monthly review and hurrah for a PB win! Nothing for us this month but as really rather new holders we've had more than our share for a while I think!
Something to consider to from the budget in your "start-up" fund for the new house - your initial food shop will be higher than usual as you'll be replacing a lot of stuff from scratch where either it's been used yup and not replaced because it's not worth it so close to moving, or where there was little enough in an item that it couldn't earn its space in a packing box. Also things like running the freezer down will require some restocking. I remember being horrified by the amount we spent in the supermarket on our first shop after moving in!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
That is such a good call @EssexHebridean ! And thinking about it, buying cleaning supplies etc from scratch as well2
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Oh gosh yes, I remember thinking I only needed a handful of things when I moved in here because I’d collected almost everything while renting (each flat seemed to always be missing something different from the last one). So I just needed a mop, mop bucket, washing up bowl, drainer, etc etc… it came to £50. And this was bog standard supermarket stuff.I don’t think I’ll need to buy anything like that for my new place but I’m sure I’m wrong 😂Debt at LBM (Dec 2018): £23,167
Debt free Feb 20212
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