Keeping on the Straight and Narrow...

ohdearhowdidthathappen

Yay to getting under £100 🥳

FootyFanDan

Yay to getting that M&S card into double figures

maggiem

👏👏👏 about M & S card, I’ve been worried you would get to £100 but £99 sounds so much better.

beanielou

Woohoo 🎉 🎉

Gone by the end of August I think. 🤔

Catscoffeecake

well done on getting under 100 on m & s, wont be long before its gone.

DancingInTheRain

Aww thanks everyone 😊

Honestly being back on here and almost making a game of paying down debts and taking on little challenges has really helped so much.

DH and I were chatting last night about going abroad summer 2027, we do have a savings pot for holidays so wouldn't use credit but how awesome would it be to go away without this debt hanging around? Starting to feel like it might be doable...

But one step at a time, plan for M&S is it will be cleared on my payday on the 15th, if not sooner and then it'll be time to tackle V12.

Onwards and upwards (or downwards when it comes to the debt 😂).

Catscoffeecake

That's a great goal to aim for! if you work on basis of 10 months from now, that's £450 a month in debt payments to make. I think you can do it!

DancingInTheRain

Would firmly depend on overtime, earning extras from surveys and selling bits. Along with no major, unexpected expenditure, but feels within reach.

DS1 starts secondary school next September so feels like a good objective to aim to be debt free by then x

Catscoffeecake

Yes though I imagine that will come with some costs as well. But either way its looking like it will be a positive 2027 for you with the debt being gone.

DancingInTheRain

Yes there seems to be a big cash outlay to get everything needed for secondary school, DS1 is actually going for an early transition day later this week so I'll be interested to see what information comes from that. It feels a bit surreal to be talking about it, he was 3 when I started this diary, time really does fly! Another reminder that DH & I really need to tackle this debt once and for all!

Last day of the month before DH gets paid tomorrow, also a day off for me.

DH is working from home today so I've been for a walk after dropping the boys off at school and then just been getting quieter jobs done around the house and then I'm planning on reading for an hour before going back to pick the kids up.

Got a £2 payout from V!nted today to add to the regular PAD so £4 gone to M&S, also received a notification last night that the slippers are finally on their way back to me 😂 so that'll be something else to list in a few days!

Debt Total £4570 (M&S £95)