After years of debt journey through my sensible 40s... and save a deposit for a house

lantanna

FOMO_overspender said:

Just commenting to say good luck on your journey, although seems so far like no luck needed! You have this down!  So great to see how positive you are - have subscribed! 

Thanks 

lantanna

Sometimes I don’t feel to positive but I def feel a lift in me at the minute and the desire to change stirring. Small win for today, woke up after a doze and felt hungry, didn’t rush to make my usual sandwich and had 2 boiled eggs instead.  Scales arrive next week looking forward to setting some small bite size weight loss goals.

lantanna

Urgh raining today and slept in which I hate doing. Determined to not let these things ruin my mood today. 

Managed to get into work on time and have taken 5 mins in the bathroom to put my face on. 

Goals for today: 

Drink 2 litres of water, use foreo for a double face cleanse tonight, do next months budget: paid on the 20th. 

I’ve set myself a target now to have Satsuma paid off by xmas.  Should be doable, ideally before Xmas. 

Talk of furlough happening, will wait and see. I was working at home for 3 weeks and then back into work so have avoided furlough so far. Not stressing as it’s out of my hands. More irritated by my missing Jet 2 refund tbh lol

lantanna

Only managed 700ml yesterday, will make sure I get the 2 litres in today.  Threat of furlough still looms but I’ve worked out I can still manage to save what I’m currently putting away if it does so that’s good. 

lantanna

Only managed one litre yesterday, should manage 2 today with it being walk day. Beautiful day today brightens my mood.  Did some reorganising of savings yesterday and opened a Nutmeg investment account for my later life savings. Moved my additional mortgage savings into my Halifax Regular Saver. So now have Help to Buy ISA and Regular Saver for Mortgage Saving, Marcus Account for Fees and furniture etc and Nutmeg for retirement savings. 

Now I am just looking 4ward to getting paid next week to move my wages into savings. Have worked out if I am furloughed I should still be able £500 minimum a month so that has made me feel better 

lantanna

House Update
Help to Buy ISA £706.16 
Regular saver for Mortgage £325
Marcus Fees Furniture etc £18 

Plenty of work to do, excited to see how this grows

lantanna

Couple of small wins today, Jet 2 refund hit bank account. As toyed with getting my usual Friday lunchtime takeaway on way home but talked myself out of it, came home and used up lurking fridge items to make a curry. Having a completely NS weekend. 

lantanna

Still on a NS weekend. Beans on toast for lunch, cottage pie for tea. Made 3 additional payments this morning.  Added £50 to emergency savings. paid off £39 on Capital One, added £50 into regular saver mortgage pot. 

lantanna

Payday on weds and my birthday so any birthday cash will go straight into savings. 

Debt update
Satsuma: £672, PRA £1292.64,CC1  £113.51, CC2 £1151.11 Total Debt £ 3229.26 
House related savings: ISA £706, Reg S £375, Marcus £ 18 Total £1099 
Cant wait to update on payday. 

lantanna

Rejigged budget and paid off another £20 to Satsuma this morning. Total debt now £3209.26