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Time to Face The Music
Comments
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I had an entirely rubbish commute home last night with the motorway being screwed up for the second time in a week. It was slow coming in this morning but not as bad as it might have been allowing for the strikes possibly adding to the commuter numbers. Hopefully you'll have a better run home than you did in!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
The traffic was terrible on the way home last night. Was still busy this morning but not as bad as yesterday.
£300 sent to the credit card this morning.
Breakfast, lunch and dinner will be from stores. Breakfast was toast, we have both taken our packed lunches to work and dinner tonight is seafood pasta and garlic bread.
Tonight's jobs are:- walking the dog
- cleaning the bathrooms
- vacuuming the house
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Balances Update 05.10.23
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 = £9063 (£300 repayment 0% interest until July 2024)
HP Motorhome Loan = £12191 (£393 repayment final payment April 2026)
Total Debt = £21254
Savings Account = £1450
Premium Bonds = £1500
Total Savings = £2950
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Credit card debt is so close to being in the £8ks now.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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2025 #1 £667.95/£472.78
Save £12k in 2025 #1 £12000/£124501 -
I decided to have a look back this morning and see just how much we have paid off our debts since I started this diary.enthusiasticsaver said:Credit card debt is so close to being in the £8ks now.
In total, since September 2020, we have paid off £15530 of unsecured debt and £12000 of the motorhome loan. So £27530 in three years.
It is easy to forget just how far we have come sometimes.3 -
It was windy last night. The other half had to get up and close the bedroom window in the early hours of the morning.
Breakfast, lunch and dinner will be from stores. It was toast for breakfast, we have both taken our packed lunches to work and it is Fakeaway Friday tonight with a fake KFC of southern fried chicken thighs, chips, homemade coleslaw and corn on the cob. I reckon this will come in at a shade over £5 to feed the two of us and the dog rather than the £20 for a real one. Will be a damn sight healthier as well!!
Tonight's jobs are:- walking the dog
- load of washing
We are at home this weekend and don't really have much planned other than Christmas cake baking and having a BBQ tomorrow. Need to have a quick tidy up in the gardens again but that won't take long. Just a quick run over the grass with the mower really.1 -
That’s an amazing amount paid off, well done 👏I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Just need to keep the pace up over this next 30 months now.Sun_Addict said:That’s an amazing amount paid off, well done 👏0 -
Well done.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 -
Those figures are looking really good- roll on the next 3 years - they’ll fly by 👍
Love the part of Derbyshire you went to we often spend an afternoon going for a ride there for a coffee, walk around and call in a pub on the way home. We’ve never ventured in the MH yet.January spends - £587.581
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