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We will get this debt down & the savings up
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Great charity shopping there!
I love a stir fry too - thankfully so does MrEH so there will no complaints from him when I serve one up this evening!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Very nice saving there on the present! I'm sure you can pick up a box for a £1 or so and he will enjoy it.
I'm already loving Strictly this year, the quality of the dancing just gets better and better each season! I'm astounded by some of the dances so far. It's one of my favourite programmes and I think it's my OH guilty secret pleasure too, he is always commenting on footwork
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 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28272 -
Just kicking in my experience of credit cards after debt. We have one each, both chosen because they give loyalty points which accumulate into vouchers for 2 shops we regularly use.
We don't carry ANY debt on these cards. They are paid off in full every month. I make payments quite regularly as am.often transferring money across from relevant Savings Pots & think I may as well pay it straight to whichever card we used.
Mr F's card is always used for petrol, some grocery shopping & other planned expenditure.....big purchases like car servicing, tyres, holiday bookings etc, give the loyalty points a boost. I use mine for planned expenditure, esp presents, as well as items bought from my Personal Spends.
I don't find it takes a lot of discipline. Yes, I've been a silly sod with money in the past, as has Mr F, but that's a long way behind us now & we won't go that way again. If we can't pay for whatever it is from our own existing funds, then we can't afford it, it's as simple as that!
Enjoy your time away.
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)2 -
Another here who uses a credit card for the points. I use YNAB so the money I spend gets taken off each of my budgets (pots) but stays in my current account which earns interest. Not much point in paying it off until it needs paying as I'd lose that bit of interest! Still gets paid off in full just before the due date by DD.
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Another cc for points . Love the boost it gives when we pay for our holidays which we hav3 been able to do since they had to stop putting on a surcharge for paying by cc and I like extra assurance I get by using a cc. Also paying the annual house and car insurance feels less of a pain if I am getting points back for it.@joedenise took me an age to work out how to do the accounting properly in YNAB for cc I think I watched the video 6 times0
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So....what did I say about batch cooking when we got back....no chance. We had a great few days away, until I managed to break my wrist half way through the week. currently got a plaster cast on it and threy will change it for a lighter one in a couple of days. Having to type with left hand, which is very hard. Will update more when I'm finding it easier.
Hope everyone else is okMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £600/£3000
.
Studies/surveys September £18.30
Decluttering items 1200/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up5 -
Oh no 😞 Well you quite literally had a break! Hope it heals quickly.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Oh no! That’s such bad luck, I hope it’s feeling better soon and that it heals quickly. XxLife 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 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28272
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Oh what rotten luck. Hope it heals quickly2
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Oh MAB, what rotten luck. NOT the sort of break you were wanting at all!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1
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