Trying to stay in the black
in Debt free diaries
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Is your student loan the typical, British student loan from the government? If so, take a read of Martins article about repaying your student loan. It rarely makes sense to pay it off early. Do you have any other debts? Do you have an emergency fund?
<a rel="nofollow" href="https://forums.moneysavingexpert.com/discussion/6086606/debt-free-by-23/p1">https://forums.moneysavingexpert.com/discussion/6086606/debt-free-by-23/p1</a>
True LBM, December 2019 = £32934. Current Debt = £12762. 1% Challenge = 61.1%. #51 3-6 Month EF Challenge = £1200/£6000
Have you tried the envelope method for your food budget?
Like you I seem to constantly have a big bill come up. Have you got a yearly plan so you can see when insurances / servicing / tax come up.
Fashion on a ration... 0/66
Target weigh loss 2/14lbs
Money saved on food budget by being frugal in 2021... 100
*Tesco Credit card - £3604.30* - £0.00
*Finance - £581.91 - £0.00
*Dad loan - £5300 - £3800
*M+S Credit Card - £0
*MBNA Credit Card - £1211.88 - £0
*Virgin Credit Card - £3075 - £0
*Total debt - £3800*
*Sinking Fund - £2500/£2500*
*Emergency Fund -£250/£5000*
*Mortgage Overpayment - £46.90/£1000*
Premium Bonds - £200/£1000
Facing Reality - My Debt Free Diary
Sarahwithlove - thankfully I don’t have any credit cards but am trying to save a little as don’t have much in the way of an emergency fund.
I am continuing to log my spends and stick to my budget.
Really hoping that we can get together for Christmas but if that isn't possible at least we'll know that we are all safe in our own homes.
Shouldn’t be too spendy a day today. Maybe a few bits from Tesco and a bill from my decorator for a little work at the weekend. All logged in my spending diary of course!
Making use of the HSBC switch for the cash incentive and that should complete in the next few days.
Will try to get a shift booked for the weekend to help boost the funds for next month.