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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Makingabobor2 said:Have you found that since having debts to deal with, you actually don't like shopping anymore? I hate shopping with a passion now, even food shopping is a pain in the neck these days. The thought of going in a large shopping centre actually fills me with dread now. Maybe its as I've got older? Or maybe covid had something to do with it? Who knows.Four_Seasons said:LMD I have followed your diary you have done so well, debt free in a matter of days!! You have helped keep me on the straight and narrow especially with keeping up with surveys. I hope that you are going to write all about your weight journey I am sure you will encourage any that want to loose weight. Enjoy your pasta and bolognese, its mushroom risotto for me.
To date (in 2 weeks) I have lost 10.8 lbs which is good going, I am due to weigh in again on Sunday as I have the NHS better health app now and the week ends on Sunday so I will weigh in Sunday mornings. I haven't really noticed a difference yet, but I have an awful lot to lose. Covid and working from home certainly didn't help, as when I was in the office I would take a walk of the grounds 3-4 times a day with a colleague. I feel like I need to add a disclaimer that I am not a security guard
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 £21263 -
I agree about selling stuff and buying 2nd hand. Never buy new now unless I have to. My go to shops are the Bay of E and FB...lolMaking 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-up1 -
Spag bol was one of my go to's when I followed Slimming World. I started calorie counting the beginning of the year and the calories in a portion of pasta blew my mind. When I say portion, I mean my half a packet of spaghetti!! I still enjoy it but I weigh my pasta now2
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I'm so happy for you with the healthy eating and weight loss, it makes such a difference to how we feel when we treat our bodies better. I really need to make some changes myself.
I'm also super excited that you're just a matter of days away from being debt free. I am so inspired and impressed by your progress. It'll definitely feel strange for a while when it's all gone, but what an achievement that will be. £42k to £0 debt.Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/501 -
Morning! Thanks for everyone's kind words
I'm still confused over the days this week, there's lots to do today as hubby is away again and my friend is coming to stay so I need to clean up and make up the spare bed. At least with hubby away once I have cleaned up it will stay that way
Today's PAD is £10 to CC7 and there's nothing available anywhere else at the moment. I don't have any plans to spend until Saturday so today is a NSD for me. Not much to update on really in terms of finances, just plodding along until pay day (aka DFD!)
Catch you all later
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 £21263 -
So close now, how exciting 🥳I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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£6 cash out from Prolific so that's been sent 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 -
Hiya everyone and happy Friday! I hope you're all doing well?
I've another NSD today, it's a busy day at work and then my friend is arriving when I'm done. We haven't caught up in a while so it will be a very chatty night I think and not an early one! I've sent £15 to the credit card due to having a run of NSDs, it also rounded down the bank account which satisfies my OCD somewhat.
Nothing available in Prolific to cash out but I will keep checking it just in case something lands as there's plenty pending.
Still on with the healthy eating, mainly eating salads, fruit and fat free yogurts. I'm cooking tonight and it will be chicken and steamed veg with a low fat home made mediterranean sauce.
I hope you all have great 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 £21263 -
Just cashed £8 out of Prolific so I have sent that to CC7Life 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
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Have a good evening with your friend. Can't believe how quickly your debt is going down. I can't wait to be in that situation.Making 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-up2
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