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Time to Face The Music
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Well done 👏I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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That’s great.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 -
It's a lovely start to the day again today. Had to defrost the car this morning which was unexpected.
Breakfast, lunch and dinner will be from stores today. Breakfast was cereals, we have both taken our packed lunches to work and dinner tonight is jerk pork loin with rice and greens.
Tonight's jobs are:- walking the dog
- vacuuming the house
- cleaning the bathrooms
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You're doing brilliantly with the weight loss and still eating some really nice meals.1
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we had a light frost overnight too - it didn't linger once the sun properly got up, but still enough to make it feel a bit chilly first thing, and a little more gas needed to get the house up to temperature.🎉 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
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
It has been our portion sizes rather than what we were eating that has changed. Although we have cut out the takeaways, which has also been good for the wallet.joedenise said:You're doing brilliantly with the weight loss and still eating some really nice meals.0 -
Have had to turn our heating back on again this week. It was dropping a bit too chilly to be comfortable.EssexHebridean said:we had a light frost overnight too - it didn't linger once the sun properly got up, but still enough to make it feel a bit chilly first thing, and a little more gas needed to get the house up to temperature.0 -
£393 sent to the motorhome loan today. 23 repayments left to go on that one.
Breakfast, lunch and dinner will be from stores today. Breakfast was toast, we have both taken our packed lunches to work and dinner tonight is some nice Dexter steak burgers from the farm shop with chips, onion rings and coleslaw.
Tonight's jobs are:- walking the dog
- load of washing
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Balances Update 19.04.24
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 = £7100 (£400 repayment 0% interest until July 2024)
HP Motorhome Loan = £9440 (£393 repayment final payment April 2026)
Total Debt = £16540
Savings Account = £2100
Premium Bonds = £2200
Investment ISA = £400
Total Savings = £4700
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I just had a look at your first post or two and then jumped to the end.
That's a tremendous improvement from where you started.
All those zero balances on the credit cards must be encouraging :-)
Jan 2022
Owed approx 70,000 in consumer debt
Dec 2024/August 2025
Loan 1 4750/0
Loan 2 10690/0
Card 1 10764/7578
Card 2 5674/4230
Card 3 5158/0
Total 37036/11803
Emergency Fund 0/2000
2022 Over 70k debt. Time to change!
2022-25 Paying off debt.
2025 Cash lump sum used to pay down debt quicker than hoped.
2025+???? Stay happy and in control of my finances1
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