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1% challenge 2023

1979899100102

Comments

  • oooof slow month and next month for me 😫 no changes

    #no 3 Debts off by Xmas 2026 £800/£12,500
    NSD May 11/22
    #no 13 365 days 1p challenge 2026 120/ 365
    #no 2 £2 coin savers challenge 2026
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £12,500
    1% challenge = £12,500
    1% - £125 @6.4% 

    #cc4. MBNA 500/ 2000 0% runs out soon
    #loan2 300/ 10,500 13%


  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 400 Forumite
    100 Posts Photogenic Name Dropper

    up from 12% to 14.2% this month 💪🏻

    #no 3 Debts off by Xmas 2026 £800/£12,500
    NSD May 11/22
    #no 13 365 days 1p challenge 2026 120/ 365
    #no 2 £2 coin savers challenge 2026
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £12,500
    1% challenge = £12,500
    1% - £125 @6.4% 

    #cc4. MBNA 500/ 2000 0% runs out soon
    #loan2 300/ 10,500 13%


  • craftingmad
    craftingmad Posts: 3,453 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • craftingmad
    craftingmad Posts: 3,453 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 6 April at 8:05AM

    I can finally declare a bit more added into our retirement fund savings account made up of the following:-

    £ 608.00 from subscription savings, our mortgage payment etc

    £ 191.87 wages from restaurant

    £ 22.16 from savings account interest

    £ 12.71 from savings account interest

    ________

    £ 834.74

    So this brings our total so far £6915.77/£38457 = 17.96% ❤️

    I'm so close to my next full 1% - I'm off to see where I can find £14.93 :)

    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 400 Forumite
    100 Posts Photogenic Name Dropper
    #no 3 Debts off by Xmas 2026 £800/£12,500
    NSD May 11/22
    #no 13 365 days 1p challenge 2026 120/ 365
    #no 2 £2 coin savers challenge 2026
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £12,500
    1% challenge = £12,500
    1% - £125 @6.4% 

    #cc4. MBNA 500/ 2000 0% runs out soon
    #loan2 300/ 10,500 13%


  • craftingmad
    craftingmad Posts: 3,453 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    I found the extra - forgot it was Etsy payday yesterday so have added £67.43 into our pot.

    Etsy is pretty pants at the moment so I'm not earning anywhere near what I used to on the platform but it is still something so I am grateful. Anyone else on here on Etsy and finding the same?

    Our total so far is now £6983.20/£38457 = 18.13% ❤️

    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • craftingmad
    craftingmad Posts: 3,453 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    Hi everyone, me again :)

    Things are slow on the making money front at the moment but I have just been paid so am able tol add the following:-

    £ 530.00 wages from restaurant

    £ 242.19 interest from savings account

    _______

    £ 772.19

    That makes our total so far £7755.39/£38457 = 20.14% ❤️

    Very glad to have finally made it into the 20% mark :)

    We are really noticing hubby not having any overtime available :(

    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • craftingmad
    craftingmad Posts: 3,453 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    Wahoo its payday at my original cafe job so I've added £1200.83 into our retirement savings pot :)

    This brings our total so far £8956.22/£38457 = 23.26% ❤️

    It's creeping up slowly :)

    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • craftingmad
    craftingmad Posts: 3,453 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    Morning everyone,

    We have all been very quiet. It shows how tough it is out there at the moment but we will all get through it I'm sure.

    I have managed to add another £210.00 into our retirement fund savings account so that is better than nothing :)

    Our total so far is now £9166.22/£38457 = 23.80%

    I'm getting closer to my next full %.

    How is everyone else getting on?

    Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.02
  • NeverendingDMP
    NeverendingDMP Posts: 2,451 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper

    Well done. I think the saving and paying down debts thing is getting harder each year. 😂 It's the current climate probably. I've not counted in a bit but the good news is DH is now back at work. My contract has been extended till August and other than an overdraft of prob about 400 we are probably in depending what part of the month it is we are still intact. Not bad all things considered. I'll do a proper count up this weekend to see.

    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 Jan 26- just under 64k

    June 25 Debts in my name were £5170. Now 5178 (Jan 26)
    DH debts ?? at a guess £15k
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