Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%
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Third time's the charm...
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RelievedSheff said:Be careful with your weight loss. Is needs to be a healthy rate of loss not an all or nothing approach!!
Today's weather is cheering me and I hope it continues, I'm working from the kitchen for a few hours this morning and I can see the birds on the feeder and in the trees.
My PAD today was £1082.19 because it's DD day. It did include £6 payment to CC though and I am still on track to clear on pay day, the final projected payment is currently £177. The CC statement should be generated on Wednesday so there will be another £500 payment sent then too.
Things are very quiet on Vinted and Prolific at the moment. I have some more things to list on Vinted which I will probably do on Friday due to us having a short week this week. Hubby has suggested we tidy up the garden on BH Monday which will be nice, we need to drain and re-fill the hot tub, clean the paths, decking and furniture oh and the BBQ.
Today will be another NSD for me, I find it's always beneficial to front load the month!
LMD x
Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
Almost there LMD! Also, best of luck with your weight loss journey! My two pence if you like.... Water weight retention almost put me off, it's funny how I will be 4lbs heavier for 3 days after a Chinese and then it just drops off! Wish I had known about this sooner.
Apps I use; Libra (weight tracking), Lose It (Counting)£30,022.05 debt - Completed it mate! Debt Free 27th June 2023 | Diary
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LeeXenon said:Almost there LMD! Also, best of luck with your weight loss journey! My two pence if you like.... Water weight retention almost put me off, it's funny how I will be 4lbs heavier for 3 days after a Chinese and then it just drops off! Wish I had known about this sooner.
Apps I use; Libra (weight tracking), Lose It (Counting)Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
Good morning all
Another lovely day ahead of us it seems in South Yorks, although it's forecast to rain tomorrow afternoon so I will make the most of it whilst it's nice. It's going to be another NSD for me, nowhere I need to be and nothing I need to buy. I'm hoping to get some more in before Friday when I have plans for a family birthday.
My PAD was £6 to CC7, nothing else available on Prolific just yet but I will check again later as there's about £15 pending. No more sales on Vinted, I'm thinking about cross listing some of the designer bags on Facebook groups to see if there's any interest there. I may look into that at the weekend.
Not much else to report really, just plodding on and counting down the days!
LMD x
Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21262 -
Managed £7 cash out from Prolific so sent that to the credit card
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
LittleMissDetermined said:Good morning all
Another lovely day ahead of us it seems in South Yorks, although it's forecast to rain tomorrow afternoon so I will make the most of it whilst it's nice. It's going to be another NSD for me, nowhere I need to be and nothing I need to buy. I'm hoping to get some more in before Friday when I have plans for a family birthday.
My PAD was £6 to CC7, nothing else available on Prolific just yet but I will check again later as there's about £15 pending. No more sales on Vinted, I'm thinking about cross listing some of the designer bags on Facebook groups to see if there's any interest there. I may look into that at the weekend.
Not much else to report really, just plodding on and counting down the days!
LMD xMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £410/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £58.64
Decluttering items 748
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up0 -
Makingabobor2 said:LittleMissDetermined said:Good morning all
Another lovely day ahead of us it seems in South Yorks, although it's forecast to rain tomorrow afternoon so I will make the most of it whilst it's nice. It's going to be another NSD for me, nowhere I need to be and nothing I need to buy. I'm hoping to get some more in before Friday when I have plans for a family birthday.
My PAD was £6 to CC7, nothing else available on Prolific just yet but I will check again later as there's about £15 pending. No more sales on Vinted, I'm thinking about cross listing some of the designer bags on Facebook groups to see if there's any interest there. I may look into that at the weekend.
Not much else to report really, just plodding on and counting down the days!
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21260 -
Goooood morning, I hope you’re all ok? I woke naturally again today - maybe this will be my permanent mood once retired? 😂
Aaanyway, no extra funds available today and no CC7 statement yet so my PAD was just £6 to the credit card. This takes me into the 7’s which is nice, as I can colour another square on my chart.Today will be my 5th NSD for April, hubby is out this evening and I will be doing housework and walking the dog.
Hoping to catch some more surveys today, I still have £10 pending on Prolific.Healthy eating is still going well, looking forward to the next weigh in.LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21262 -
Morning all and happy fake Friday to those who have the bank holidays off work. I had to get up early today as I had forgotten to put the bin out last night so took it round the front at 6am, I'm sure the neighbours love me for that
Hubby is away until Saturday evening with friends so it's all down to me at the moment.
I've paid the other big credit card payment as my PAD this morning so the debt is now down to £285. I can't quite believe this is actually going to happen and in 3 weeks time I won't have a balance. I never thought I would get to this point.
Today is another NSD for me as I don't have plans until tomorrow evening. I do need fuel for the car but I will get that tomorrow when I have a spendy day.
Hope you all have a lovely day
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21265 -
LMD, I have been following your journey, you are so inspiring and certainly live up to your MSE name.
I look forward to seeing the day you become debt free!!2
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