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Time to Face The Music
Comments
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That’s gone by so fast. At least you have many more trips to look forward to. When I have to go back to work after a holiday I pacify myself by saying I’m only going back to earn money for the next holiday 😆I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Back to work today. Earn some more holiday spends!
Breakfast, lunch and dinner are from stores. Breakfast was crumpets, we have both taken our packed lunches to work and dinner tonight is salmon with noodles and stir fried vegetables.
Tonight's jobs are:- walking the dog
- cleaning out the van
- load of washing
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Balances Update 10.07.23
Furniture Loan = £0 (Account Settled)
HP Car Loan = £0 (Account Settled)
Debt 1 = £0 (Account Settled)
Paypal Credit = £0
Credit Card 1 =£0 (Account Closed)
Credit Card 2 = £0 (Account Closed)
Credit Card 3 = £0 (Account Closed)
Credit Card 4 = £0 (Account Closed)
Credit Card 5 = £0 (Account Closed)
Credit Card 7 = £0
Credit Card 6 = £9563 (£300 repayment 0% interest until July 2024)
HP Motorhome Loan = £13370 (£393 repayment final payment April 2026)
Total Debt = £22933
Savings Account = £200
Premium Bonds = £1200
Total Savings = £1400
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Great photos. You have made me want to travel to Norfolk and Southwold now. We are off to Dorset today.You will soon have that debt under £20k. Presumably it is overpaying the mortgage once the debt is gone?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.
The 365 Day 1p Challenge 2025 #1 £667.95/£430.71
Save £12k in 2025 #1 £12000/£120003 -
That's the plan. Get it gone as soon as possible.enthusiasticsaver said:Great photos. You have made me want to travel to Norfolk and Southwold now. We are off to Dorset today.You will soon have that debt under £20k. Presumably it is overpaying the mortgage once the debt is gone?1 -
Had a nice surprise to come back to work too. We have all been awarded a 2.8% pay rise and I got an extra £1k on top.
Will need to look at where the extra is going but it will most likely be used as a further over payment on the mortgage. It isn't likely that we will get as good a mortgage rate when we remortgage in 2026 so we need to get as much of it paid off as possible before then.3 -
Fab news on the payrise.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Always nice to come back to good work news after a holiday.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Great news about the pay rise 👍January spends - £587.581
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Day 2 back at work. Hopefully it will be a more productive today. Yesterday just seemed to be a day of reading emails and catching up.
Breakfast, lunch and dinner will be from stores. Breakfast was crumpets, we have both taken our packed lunches to work and dinner tonight is steak with sweet potato chips, grilled onions and peppers and coleslaw.
We have the dog at the vets tonight for his animal health certificate appointment. That's not a cheap do. But needs must if he is to go to France with us.2
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