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Young and naive mistakes

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  • enthusiasticsaverenthusiasticsaver Forumite, Board Guide
    11.6K posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
    ✭✭✭✭✭
    In spite of the vet emergencies the debt is still down by almost £4k if your signature is correct so that is really good. 
    Early retired in December 2017

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  • ApricotPlutoApricotPluto Forumite
    60 posts
    10 Posts Name Dropper
    In spite of the vet emergencies the debt is still down by almost £4k if your signature is correct so that is really good. 
    Yes signature is correct. 

    I'm really happy with how far I've come. Even got an Emergency Fund. Love seeing it all come down. I know there is going to be roadblocks - nothing is ever straight forward.
    Debt Free Journey
    April 2020 - £8180
    October 2020 - £4350 
    Debt free date - August 2021 🙏
  • SmashingitnowSmashingitnow Forumite
    148 posts
    100 Posts Name Dropper
    Awwww such a sweet diary! You're doing really well and seems time is flying 
    March 2020 - 21k of debt; September 2020 - 14k of debt. Debt free target date September 2021 
    Diary of paying down debt whilst living abroad:https://forums.moneysavingexpert.com/discussion/6181237/5-000-miles-and-even-more-pounds#latest


  • SarahwithloveSarahwithlove Forumite
    1.2K posts
    1,000 Posts Second Anniversary Name Dropper
    ✭✭✭
    Sadly life is always going to have hiccups but as long as you can clear it by next year that's what matters. 
    *RBS credit card - £1930.50* - £0.00
    *Tesco Credit card - £3604.30* - £1275
    *Finance - £581.91 - £0.00
    *Dad loan - £5300 - £4100
    Total debt *£5375* £11,416.71


    Emergency fund - £1000/£2500

    Mortgage Overpayment - £30.34/£1000
    Facing Reality - My Debt Free Diary
  • ApricotPlutoApricotPluto Forumite
    60 posts
    10 Posts Name Dropper
    Well its been a while. A hectic while at that.

    I went overboard from November until now. I genuinely though "f**k it" and boy am I slightly regretting it... I bought things I've wanted for a while but don't actually need. So not wasted so much stuff on food which is probably a bit better? Maybe? Just think I'm trying to tell myself that though. 😂

    I've lost my second job for the time-being until they can open back up again so I definately have to take it easy over January. Hopefully with the lockdown announced it'll make it so much easier. Me and my partner are going to be eating more healthily as we got into a habit of getting takeaways each week... and we're not even a takeaway kind of couple - we'd probably have one takeaway every 6 months but we got into some habit of having one each week in the end. Told him we have to hit that on the head. Luckily he agrees. Christmas I spent a little less than usual as me and my partner agreed a £20 limit - rather than us both go OTT and get stuff neither of us will ever use! He went over the £20 budget by a considerable amount but he did get me the Lego set of the International Space Station so I shall be doing that over the lockdown in the evenings.

    I'm going to spend the next couple of days looking at my accounts - I mean I'm still over paying them so I'm not worried - but I'd just like them to be at 0 then build up on some savings for once.

    Hope you're all okay. :sweat_smile:
    Debt Free Journey
    April 2020 - £8180
    October 2020 - £4350 
    Debt free date - August 2021 🙏
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