November 2023
I'm always in it, it's only the depth that varies....
Current debt: £10,806.75
Debt free date April 2025 (though expecting this to come forward)
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Saving for Christmas 2023 - £1 a day
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Hope everyone had a lovely Christmas 🎄
#23 adding £100 please2 -
Me again please, as I snoozed through and lost my number, can I now be number 49?
Thanks 😀Saving for Christmas 2023 #51🎄
£1 a day £36/£365
Tilly Tidy 🧹 2023
💸 2023 1% Challenge #9 ☀️2 -
Hi, I'm a bit late to the party, can I join? will you put me down for £500?
Thanks
LL x£38,000 and change to £02 -
#11 now at £65 / £365Hope all had a great XmasIf you believe you can, you will. If you believe you can't, you won't.
Secured/Unsecured loans x 1
Credit Cards x 8 (total limit £55,050)
Creation FS Retail Account x 1
Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
0% Overdraft x 1 (£0 / £250)
Mortgage Outstanding - £137,707.00 (Payment 13/360)
Total Debt = £7,400 (0%APR) @ £100pm - Stoozing3 -
#3 up to £35 nowMaking 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 £550/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
#40 up to £62 / £730
1 -
May I join please?
Will aim for the £1 a day so £365. Thanks
LLMWhen life throws you a curveball, learn to catch it and throw it back! Feb Grocery Challenge/£1001 -
I'd like to join please. I'll start on January 1st. My aim is for £350, this gives me a breather during holidays when my income is less
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#12 checking in with £115 /£900
Please can you update my target @kdalwayskint I had originally wanted to save £480, but I have upped it to £900 after the experience of December 2022 - I realised that it was not realistic.
Great to see so many people join the challenge, Christmas is a time of year that can be so expensive and leads to a risk of overspending and getting into debt. That has certainly been my experience - so trying to be realistic and ensure that I have enough in the Christmas sinking fund for Christmas 2023 so that I am not robbing Peter to pay Paul all over the place!
3-month emergency fund (Cash ISA & PBs): £4744/ £6,000
Stocks and shares ISA: £1497
Additional pension contributions £0
Overpayment on mortgage: £0
Big Renno..£00 -
#22 1st check for 2023, but started at end of November.
Total now at £62.46/£365
£1K Emergency Fund - £583.82/£1000
1p Challenge #9; 2023 - £76.65/£667.95, 2022 - £667.95/£667.95
£1 per day Challenge #22; 2023 - £121.75/£365, 2022 - £366.19/£3651
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