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Debit Free Diary Starting August 2021 - Target Christmas 2022! DEBT FREE Jan 2023!!
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Hey Wannabes,
I didn't end up heading to taekwondo class so I did actually end up with a no spend day, I have left that money in my envelope as it will roll over
I had pub lunch out yesterday a treat from my Dad
I did spend a fiver though but still have some money in my social fund. I also had my eyebrows done which was budgeted in my envelope.
This morning I received the first rebate from the energy pay-out £66 woohooo. I will be getting that out the bank to stuff in to my envelopes.
I did next months rough budget already, but there will be a small backdate of some salary owed from work so I will have a little extra to play with I think.
Should be a no spend day today as no plans , working from home and eating from the freezer
Much Love
Rigarella
Very (Shopping) £796.16 Paid in FULL as of 17/08/2021
Simply Be £1463 £1432 £1195.13 £801.02 £645.24 Paid in FULL 30/09/2021Likely Loans £2465.73 £2191.76 £1917.79 Paid in FULL May 2022
Overdraft £500 Paid in FULL Jan 2023
PayPal Credit £566.53 Paid in FULL Jan 2023
Total debt £5824.89 at the very start of DFW Journey.
Current debt £5,028.73 £4997.73 £4384.31 £3990.20 £3823.06 £2260.37 £1066.53 £0.00
Debt added since start of journey £9000 (borrowed from partner for car)
Current balance of £8550 £8150 Paid in Full June 2022
My debt free diary:
https://forums.moneysavingexpert.com/discussion/6291011/debit-free-diary-starting-august-2021-target-may-2022#latest1 -
Hey Wannabes,
I had a fairly low spend weekend, just buying a few snacks and drinks for a social night with family, I was able to stuff £20 back in to my social envelope which felt good. Cash envelopes are really working for me so far I can see why so many people are benefiting from it.
Not much planned for today, dinner for one as the other half is out tonight.
Feeling a bit low and unmotivated today maybe its the weather - who knows.
I will be working all day, I have put the candles on and some you tube motivation
Hope everyone is having a good day
Love
Rigarella
Very (Shopping) £796.16 Paid in FULL as of 17/08/2021
Simply Be £1463 £1432 £1195.13 £801.02 £645.24 Paid in FULL 30/09/2021Likely Loans £2465.73 £2191.76 £1917.79 Paid in FULL May 2022
Overdraft £500 Paid in FULL Jan 2023
PayPal Credit £566.53 Paid in FULL Jan 2023
Total debt £5824.89 at the very start of DFW Journey.
Current debt £5,028.73 £4997.73 £4384.31 £3990.20 £3823.06 £2260.37 £1066.53 £0.00
Debt added since start of journey £9000 (borrowed from partner for car)
Current balance of £8550 £8150 Paid in Full June 2022
My debt free diary:
https://forums.moneysavingexpert.com/discussion/6291011/debit-free-diary-starting-august-2021-target-may-2022#latest1 -
Hey Hey !
Quiet weekend with spend for Petrol and not much else not much planned this week either although I am off to the office in a moment for a meeting so have unstuffed some money for my parking.
Its so expensive since covid.
Final DD went out today so the wait for payday begins haha!
Rigarella
Very (Shopping) £796.16 Paid in FULL as of 17/08/2021
Simply Be £1463 £1432 £1195.13 £801.02 £645.24 Paid in FULL 30/09/2021Likely Loans £2465.73 £2191.76 £1917.79 Paid in FULL May 2022
Overdraft £500 Paid in FULL Jan 2023
PayPal Credit £566.53 Paid in FULL Jan 2023
Total debt £5824.89 at the very start of DFW Journey.
Current debt £5,028.73 £4997.73 £4384.31 £3990.20 £3823.06 £2260.37 £1066.53 £0.00
Debt added since start of journey £9000 (borrowed from partner for car)
Current balance of £8550 £8150 Paid in Full June 2022
My debt free diary:
https://forums.moneysavingexpert.com/discussion/6291011/debit-free-diary-starting-august-2021-target-may-2022#latest1 -
Hey Hey ,
Had to get some groceries in yesterday so spent £35 quid there.
Will be having a few quiet weekends anyway now as I have an exam on 1st Nov and I need to try and study :-S
Taekwondo tonight that should release some stress
Laters
RigarellaVery (Shopping) £796.16 Paid in FULL as of 17/08/2021
Simply Be £1463 £1432 £1195.13 £801.02 £645.24 Paid in FULL 30/09/2021Likely Loans £2465.73 £2191.76 £1917.79 Paid in FULL May 2022
Overdraft £500 Paid in FULL Jan 2023
PayPal Credit £566.53 Paid in FULL Jan 2023
Total debt £5824.89 at the very start of DFW Journey.
Current debt £5,028.73 £4997.73 £4384.31 £3990.20 £3823.06 £2260.37 £1066.53 £0.00
Debt added since start of journey £9000 (borrowed from partner for car)
Current balance of £8550 £8150 Paid in Full June 2022
My debt free diary:
https://forums.moneysavingexpert.com/discussion/6291011/debit-free-diary-starting-august-2021-target-may-2022#latest0 -
Hey Wannabes
Have been busy revising for an upcoming exam so have been pretty much no spend, today was payslip day so I was able to sit down and plan the month - hoping to achieve 15 non spend days.
We are having a staycation this month, so I have set some money aside for that food and eating out etc.
Needed to top up on a few bits today and joined Costco hopefully will get some bargains in future,
Have a great weekend
RigarellaVery (Shopping) £796.16 Paid in FULL as of 17/08/2021
Simply Be £1463 £1432 £1195.13 £801.02 £645.24 Paid in FULL 30/09/2021Likely Loans £2465.73 £2191.76 £1917.79 Paid in FULL May 2022
Overdraft £500 Paid in FULL Jan 2023
PayPal Credit £566.53 Paid in FULL Jan 2023
Total debt £5824.89 at the very start of DFW Journey.
Current debt £5,028.73 £4997.73 £4384.31 £3990.20 £3823.06 £2260.37 £1066.53 £0.00
Debt added since start of journey £9000 (borrowed from partner for car)
Current balance of £8550 £8150 Paid in Full June 2022
My debt free diary:
https://forums.moneysavingexpert.com/discussion/6291011/debit-free-diary-starting-august-2021-target-may-2022#latest1 -
Hey Wannabes,
We made it to payday! This month will be my first full month cash stuffing yeeee!
I am off to the bank later to get that cash and stuff it, have had a few bills spends today and a few birthdays presents for the boyf!
My focus this month is on my week away in the Cotswolds with puppy and family
Hoping not to have cash left out of that spending money though Very (Shopping) £796.16 Paid in FULL as of 17/08/2021
Simply Be £1463 £1432 £1195.13 £801.02 £645.24 Paid in FULL 30/09/2021Likely Loans £2465.73 £2191.76 £1917.79 Paid in FULL May 2022
Overdraft £500 Paid in FULL Jan 2023
PayPal Credit £566.53 Paid in FULL Jan 2023
Total debt £5824.89 at the very start of DFW Journey.
Current debt £5,028.73 £4997.73 £4384.31 £3990.20 £3823.06 £2260.37 £1066.53 £0.00
Debt added since start of journey £9000 (borrowed from partner for car)
Current balance of £8550 £8150 Paid in Full June 2022
My debt free diary:
https://forums.moneysavingexpert.com/discussion/6291011/debit-free-diary-starting-august-2021-target-may-2022#latest1 -
Hello!!
I am finally debt free (minus mortgage) today I made my final payments on outstanding credit and closed those accounts
Feels very good
Time to start saving!!!
RigarellaVery (Shopping) £796.16 Paid in FULL as of 17/08/2021
Simply Be £1463 £1432 £1195.13 £801.02 £645.24 Paid in FULL 30/09/2021Likely Loans £2465.73 £2191.76 £1917.79 Paid in FULL May 2022
Overdraft £500 Paid in FULL Jan 2023
PayPal Credit £566.53 Paid in FULL Jan 2023
Total debt £5824.89 at the very start of DFW Journey.
Current debt £5,028.73 £4997.73 £4384.31 £3990.20 £3823.06 £2260.37 £1066.53 £0.00
Debt added since start of journey £9000 (borrowed from partner for car)
Current balance of £8550 £8150 Paid in Full June 2022
My debt free diary:
https://forums.moneysavingexpert.com/discussion/6291011/debit-free-diary-starting-august-2021-target-may-2022#latest2 -
Wow that's amazing 👏🏻Debt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot1
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