1% challenge 2023

NeverendingDMP

So when I very first joined the thread my personal debt was 8090. It's been up and down like a yo yo and our joint debt I've no idea as DH keeps spending on his card for which I don't know the balance but my personal debt is currently 7095.  Hoping I can somehow keep food costs tighter this month to break 7k. 

lookbook

Keep going 💪 guys and girls. 

craftingmad

NeverendingDMP said:

So when I very first joined the thread my personal debt was 8090. It's been up and down like a yo yo and our joint debt I've no idea as DH keeps spending on his card for which I don't know the balance but my personal debt is currently 7095.  Hoping I can somehow keep food costs tighter this month to break 7k. 

Well done NeverendingDMP - that is great progress on your personal debt. 
Maybe so it is not so overwhelming just focus on your personal debt - can you talk to DH about his spending and try and get him on board with cutting back too?

Good luck x

craftingmad

Morning

I have had a surprise pay day for the job I only started on Friday so I have managed to start September as I mean to go on  

Added into the OP savings account today

£103.28 new cafe wages
£ 90.00 chippy wages

This make our current total £24939.65 / £81700 = 30.52% 

Only another half a percent to go to reach 31% - I'm heading in the right direction

x_raphael_xx

#5 Again

Paid for bfs MOT & tyres he needed replacing. £250.78

£264.34 / £1200 - 8%

craftingmad

Morning all,

Etsy payday yesterday and although it has been so quiet for sales on that platform I did earn £67.07 in August so this has been added to the OP savings pot  

Our current total now stands at £25006.72 / £81700 = 30.60% 

We are past the £25k stage saved for BTL 2 Add that to the £38K we have already saved ready to pay off BTL1 and I'm feeling pretty proud of ourselves Cannot wait to hit the 50% mark for this BTL2 mortgage  

craftingmad

Afternoon  

Just popping in to declare a little bit towards my mortgage debt has been saved  
A total of £272.51 has been added to our OP savings account today thanks to:-

£180 chip shop wages
£  75 rent increase from new tenants
£ 17.51 paypal account funds from orders

Our current total now stands at £25279.23 / £81700 = 30.94% 

I'm getting close to my next full percentage

NeverendingDMP

craftingmad said:

Afternoon  

Just popping in to declare a little bit towards my mortgage debt has been saved  
A total of £272.51 has been added to our OP savings account today thanks to:-

£180 chip shop wages
£  75 rent increase from new tenants
£ 17.51 paypal account funds from orders

Our current total now stands at £25279.23 / £81700 = 30.94% 

I'm getting close to my next full percentage

Almost. Won't be long now!

NeverendingDMP

I've broke the 7k barrier. Wahoo! Things will slow down now though. I've three debts left. Two are defaulted with payment plans and one is interest free till April. Will still pay but gonna build the e fund up first 

craftingmad

NeverendingDMP said:

I've broke the 7k barrier. Wahoo! Things will slow down now though. I've three debts left. Two are defaulted with payment plans and one is interest free till April. Will still pay but gonna build the e fund up first 

That's fantastic progress - well done