Mission: freedom!

in Debt Free Diaries
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  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    Yea I'm really pleased. Especially as it didnt seem that we were seeking much! 
    Now just got to work on eating out the cupboards and no unnecessary spending before we go away...
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    Realised I have not posted since july  :open_mouth:

    I'm ashamed to say that as normality has crept back in, so has the spending :-(
    So I'm back to try to motivate myself to get back on track.... 

    I weighed myself this week and realised that I have put on half a stone during lock down, despite being at work mostly as normal...I'm not quite sure how that happened 🤣

    Soooooo, new start (mark 2) resolutions:
    - loose the half stone.
    - continue the declutter and ask myself if I really need something before buying it.
    - get back on track with the saving / not frittering money 

    🤞🤞🤞
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    Hmmm, new start hasnt been as great as I had hoped.
    Checked bank accounts last night and had a bit of a shock.  Should finish in the black but not by much!
    Admittedly it has been a big birthday month- between DH and I we have 6 family members with birthdays in september....eek! But still. 

    I have been able to cash out £25 last week on one poll (awaiting that to hit the account).

    I've done a large food shop today which should more than feed the kids and DH til payday and refilled my car. My aim is now to spend NOTHING else until payday in 10 days time- challenge! 

    If I can do it I should finish on about £200 to share between savings and overpayments.

    Also got a few small things for ebay that I have unearthed decluttering recently. None will make much but every little helps! And I still have afew bin bags of clothes for the clothes recycling in the spare room left over from car boot in may 😮. Just need to remember to take them when next passing. (Not worth making journey especially.... the fuel would probably be similar to the profits 🤣).


    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • savingholmessavingholmes Forumite
    19.3K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Keep going. You will get there
    Target 1) Clear CC debt - SUCCESS 13/4/22 Target 2) Lose weight & get fit 3) Write regularly 3811342714/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 258 payments to go. Now £198132. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £312 including tax relief
  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    3 more days til payday....I think I may just make last weeks challenge!

    Been eating porridge for breakfast all week too...the kids asked for it and then decided they didnt like it. I hate throwing food away so I have been getting rid of it slowly by eating some for breakfast each day....  nearly all gone, yay 🤣. 

    Impressed myself with how far the food shop has stretched. To be honest got lots left if we use a bit of imagination when cooking 😀.
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    Found a bargain today.... got to travel for a course in a few weeks. Managed to book a room a a YHA for the weekend for peanuts. It actually looks quite nice. The Course is in an area I've never been to before so looking forward to doing some evening (child free!) exploring whilst there.
    Fingers crossed it all goes a ahead  and doesnt get thwarted by covid. 🤞🤞🤞🤞
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    I'm calling it...with 8 hours or so until payday I have £188 left. Going to round it to £200. Winner!
    Plus the £150 that is deducted at source from my wages and goes into my credit union savings account that I always forget about as I never see it. 

    Target for next month...end of £500 minimum.
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • savingholmessavingholmes Forumite
    19.3K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Great savings. Hope you get to enjoy your trip away
    Target 1) Clear CC debt - SUCCESS 13/4/22 Target 2) Lose weight & get fit 3) Write regularly 3811342714/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 258 payments to go. Now £198132. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £312 including tax relief
  • PonyloverPonylover Forumite
    85 Posts
    10 Posts First Anniversary Name Dropper
    I have started a physical diary to try to get my 'little spends' more accountable.
    I've been making sure I do not cheat (as tempting as it is!) And am writing down EVERYTHING, even the cheeky choc bars out of the tuck shop at work.
    Turns out I have a lot less NSDs than i thought 😯. 
    It will be interesting to go through it all at the end of the month I think. 

    Anyways, must stop procrastinating and get back to revision 😴😴😴
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k




  • SarahwithloveSarahwithlove Forumite
    1.7K Posts
    1,000 Posts Third Anniversary Name Dropper
    ✭✭✭
    I love this idea thinking maybe I need to do the same in my diary it's not like i have much else to put in it at the moment 
    *RBS credit card - £1930.50* - £0.00
    *Tesco Credit card - £3604.30* - £0.00
    *Finance - £581.91 - £0.00
    *Dad loan - £5300 - £3600
    Total debt *£3600* £11,416.71


    Emergency fund/Sinking Fund - £2500/£5000

    Mortgage Overpayment - £30.34/£1000
    Facing Reality - My Debt Free Diary
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