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1% challenge 2023

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  • x_raphael_xx
    x_raphael_xx Posts: 4,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    #5 back from holiday, catching up.

    BF paid back £13.43 in petrol money.
    Mum paid back £20
    Got my mortgage balance update - £929.20 lower!
    Which all totals £962.63.

    That completes the 4th % and I'm £227.12 into the 5th%!

    £227.12 / £1200 (5th 1%)
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • craftingmad
    craftingmad Posts: 3,346 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    It's all going good crafting mad. It's amazing how far you have come I would expect the last few months are gonna feel slow for you now as savings fatigue sets in. Nearly there. Keep going!!
    Thank you for your much needed encouragement. 
    I feel like I'm walking through mud at the moment but I will get there I'm sure :) 
    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: 3,346 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Morning all.

    Another £25 added from me thanks to an Amazon voucher being added to my account for a faulty product which the seller was refusing to accept the return :) 

    My total now stands at £37,500.28/£40506 = 92.36%  <3

    I'm creeping along but still making progress even if it is really small at the moment :) 
    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: 3,346 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi all, sorry it's me again.

    I've just added another £152.84 to the OP savings pot from 3 x NSD's (£15) and £137.84 from a website order I have just fulfilled.

    My total is now £37,653.12/£40506 = 92.74% 

    Nowhere near like what I earnt from the chippy but at least it is still money coming in and my total is moving in the right direction :) It seems to be taking for ever to get to that next 1% though :( 
    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: 3,346 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 16 January 2024 at 8:29AM
    Guess who ;) 

    Another small amount added to the OP savings pot today of £12.50 made up of my Lidl app spin to win £10 and another £2.50 from free products :)
    Nothing life changing but every penny counts - especially at the minute :)

    My total is now £37665.62/£40506 = 92.77%

    Still nowhere near that next percent but at least I am edging towards it albeit at a snail's pace :) 
    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: 3,346 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Morning all - only me (again) :) 

    Small progress again today with a further £5 being paid into the OP savings post from a NSD yesterday :):smile:

    Total is now £37670.62/£40506 = 92.78% 

    Those tiny 0.01% are adding up slowly but I have to keep reminding myself this is a marathon and not a sprint :) 


    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
  • x_raphael_xx
    x_raphael_xx Posts: 4,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    #5 again.

    We've switched energy providers and just had our final bill from the old one. I've covered bf half of the difference.
    £15.28

    £242.40 / £1200 (5th 1%)
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • craftingmad
    craftingmad Posts: 3,346 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Good morning,

    Small progress made again today but any progress is progress right?

    I'm declaring another £30.64 made up of £20 Amazon voucher from Shop and Scan, £10 from two NSD's and 64p round up from my bank account :)

    My total now stands at £37701.26/£40506 = 92.85% 

    I'm inching (well more like millimetering) my way towards 93%  :D
    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
  • All progress is good. Well done everyone. Just remember pennies make pounds. I've stalled as my pennies have all run out but in a few weeks can get going again 😂
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • x_raphael_xx
    x_raphael_xx Posts: 4,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    #5 Here!
    £32.69 paid to the bf today, to drop what I owe him below the 10k mark. Now I owe him £9,999.99 :D Dropped a digit!

    £275.09 / £1200 (5th 1%)
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
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