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Time to Face The Music
Comments
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Balance updates:
Debt 1 = £0
Credit Card 1 = £300 (£150 repayment 0% interest)
Credit Card 2 = £525 (£80 repayment 29.9% interest)
Credit Card 3 = £3533 (£250 repayment 29.9% interest)
Credit Card 4 = £4570 (£100 repayment 0% interest)
Credit Card 5 = £7874 (£150 repayment 0% interest)
HP = £4187 (£251 repayment)
Furniture Loan = £672 (£16 repayment)
Nice to see all of the balances heading in the right direction. It really won't be long before Credit Cards 1 and 2 are paid off and then we can push hard to get Credit Card 3 paid off which is gathering interest.2 -
Ooh, just one more payment to that Credit Card 1 so you can then say 0 to that one too then tackle that awful Credit Card 2. You are doing really well.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.
Save £12k in 2026 Challenge £12000/£12,000
365 day 1p Challenge 2026 £667.95/£700
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php2 -
Two more payments to card 1 🤔enthusiasticsaver said:Ooh, just one more payment to that Credit Card 1 so you can then say 0 to that one too then tackle that awful Credit Card 2. You are doing really well.
Wish it was one 😁2 -
It will be soonRelievedSheff said:
Two more payments to card 1 🤔enthusiasticsaver said:Ooh, just one more payment to that Credit Card 1 so you can then say 0 to that one too then tackle that awful Credit Card 2. You are doing really well.
Wish it was one 😁
LBM Debt Total : £48,326.50
Pay All Your Debt Off By Xmas 2023 - #50 £1,495.29 / £12,000.00
Saving For Christmas 2023 - £1 a day challenge - #6 £100/£1095.004 -
@RelievedSheff you’re smashing it. Well done!
Unless 0% on card 1 runs out very quickly, worth considering just paying minimum and clearing extra off the interest baring ones?2 -
@RelievedSheff you’re smashing it. Well done!
Unless 0% on card 1 runs out very quickly, worth considering just paying minimum and clearing extra off the interest baring ones?
3 -
Whoops, sorry my badRelievedSheff said:
Two more payments to card 1 🤔enthusiasticsaver said:Ooh, just one more payment to that Credit Card 1 so you can then say 0 to that one too then tackle that awful Credit Card 2. You are doing really well.
Wish it was one 😁
. Got carried away but it will soon be just one. 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.
Save £12k in 2026 Challenge £12000/£12,000
365 day 1p Challenge 2026 £667.95/£700
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php3 -
The 0% on card 1 runs out in December when the last payment is due.alt80 said:@RelievedSheff you’re smashing it. Well done!
Unless 0% on card 1 runs out very quickly, worth considering just paying minimum and clearing extra off the interest baring ones?4 -
Makes 100% sense then.3
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A no spends day today.
Breakfast, lunch and dinner will be from the fridge and stores. Breakfast was crumpets, the other half has taken his packed lunch to work, I think I will have a jacket potato and cheese for my lunch and then tonight we have some very nice rib eye steaks for dinner which I will serve with some cajun sweet potato wedges, beer battered onion rings, garlic mushrooms, homemade coleslaw and grilled tomato.
Today's jobs include:- working from home
- a load of washing which will hopefully dry in the washer dryer today!
- water the house plants
- clean the kitchen
- walk the dog x 2
3
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