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1% challenge 2023
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I love using it for that, and it doesn't get upset with you 😂. I also find it helps to motivate me, I realise it quite often says the same thing, you've got this, etc but I'll take any encouragement. 😂. I use it to help with budgets etc for areas to cut down.ThriftyPrincess40 said:Ooo never thought of AI for money, thanks for that il give it a whirl❤️Sept 24 : £32000 Aug catch up - £11436 Dec 25 - £8975
May 25 : £14000 Sept 25 - £10635 Jan 26 -
June 25 : £13000 Sep catch up - £10356
July 25 : £12000 Oct 25 - £9569
Aug 25 : £11880 Nov 25 - £92752 -
£5 to credit card#no 3 Debts off by Xmas 2026 £633.58/£15,250
NSD Jan 16/20
#no 13 365 days 1p challenge 2026
£17.70/£667.95 paid 59/365
#no 2 £2 coin savers challenge 2026 £12
#no 11 SPC 19 £44 banked restart £19.66
2026 PAD challenge £660
1% challenge = 5%
#cc1 200/4100 29%
#cc2 NatWest 150/3400 29%
#cc3 Halifax 0/2150 26%
#cc4. MBNA 80 /5600 0% runs out soon
#loan1 /14000 7.2%
#loan2 /11000 13%
#family loan /3000 0%#solicitors /35001 -
Plumbers been paid and according to what's in my bank the overdraft should now be cleared and debts in my name are 5178. There's nothing left in savings so ideally I can draw a line in the sand now and not get in debt higher than this again.
My 1% that I reset myself as was 55. So that puts me at 5% paid!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 £15k0 -
That’s ace! ❤️NeverendingDMP said:Plumbers been paid and according to what's in my bank the overdraft should now be cleared and debts in my name are 5178. There's nothing left in savings so ideally I can draw a line in the sand now and not get in debt higher than this again.
My 1% that I reset myself as was 55. So that puts me at 5% paid!#no 3 Debts off by Xmas 2026 £633.58/£15,250
NSD Jan 16/20
#no 13 365 days 1p challenge 2026
£17.70/£667.95 paid 59/365
#no 2 £2 coin savers challenge 2026 £12
#no 11 SPC 19 £44 banked restart £19.66
2026 PAD challenge £660
1% challenge = 5%
#cc1 200/4100 29%
#cc2 NatWest 150/3400 29%
#cc3 Halifax 0/2150 26%
#cc4. MBNA 80 /5600 0% runs out soon
#loan1 /14000 7.2%
#loan2 /11000 13%
#family loan /3000 0%#solicitors /35000 -
Is it better than you thought it might be? Well done on the 5%.NeverendingDMP said:Plumbers been paid and according to what's in my bank the overdraft should now be cleared and debts in my name are 5178. There's nothing left in savings so ideally I can draw a line in the sand now and not get in debt higher than this again.
My 1% that I reset myself as was 55. So that puts me at 5% paid!
Sept 24 : £32000 Aug catch up - £11436 Dec 25 - £8975
May 25 : £14000 Sept 25 - £10635 Jan 26 -
June 25 : £13000 Sep catch up - £10356
July 25 : £12000 Oct 25 - £9569
Aug 25 : £11880 Nov 25 - £92751 -
Yes it's happy enough for now. I need to watch the pennies to stay out of the overdraft and then I need to get some.form.of e fund and savings started again but I feel like I'm back on track and that's the main thing.Highlanddream said:
Is it better than you thought it might be? Well done on the 5%.NeverendingDMP said:Plumbers been paid and according to what's in my bank the overdraft should now be cleared and debts in my name are 5178. There's nothing left in savings so ideally I can draw a line in the sand now and not get in debt higher than this again.
My 1% that I reset myself as was 55. So that puts me at 5% paid!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 £15k0 -
£10 off cc today 💪🏻🥳#no 3 Debts off by Xmas 2026 £633.58/£15,250
NSD Jan 16/20
#no 13 365 days 1p challenge 2026
£17.70/£667.95 paid 59/365
#no 2 £2 coin savers challenge 2026 £12
#no 11 SPC 19 £44 banked restart £19.66
2026 PAD challenge £660
1% challenge = 5%
#cc1 200/4100 29%
#cc2 NatWest 150/3400 29%
#cc3 Halifax 0/2150 26%
#cc4. MBNA 80 /5600 0% runs out soon
#loan1 /14000 7.2%
#loan2 /11000 13%
#family loan /3000 0%#solicitors /35002 -
I am getting toward being really really pleased about my pay down amount next week ( pay day friday), thought it was only going to be 525, it's looking like it is going to be 775, will then try and make up 225 through my side hustle throughout the month, for some reason it has made me grin. I originally thought I would only be able to 275 this month due to other bills. I really do need some 'new' clothes ( vinted) etc but mentally seeing the figure go down like that I will be over the moon. Whoop whoop, does a happy dance.
Oh and 5lb lost in weight since the 6th, I am doing it 'naturally' after reading some of the groups about jabs and the problems people have. 😲.Sept 24 : £32000 Aug catch up - £11436 Dec 25 - £8975
May 25 : £14000 Sept 25 - £10635 Jan 26 -
June 25 : £13000 Sep catch up - £10356
July 25 : £12000 Oct 25 - £9569
Aug 25 : £11880 Nov 25 - £92751 -
@NeverendingDMP, any news on your contract?Sept 24 : £32000 Aug catch up - £11436 Dec 25 - £8975
May 25 : £14000 Sept 25 - £10635 Jan 26 -
June 25 : £13000 Sep catch up - £10356
July 25 : £12000 Oct 25 - £9569
Aug 25 : £11880 Nov 25 - £92750 -
Highlanddream said:I am getting toward being really really pleased about my pay down amount next week ( pay day friday), thought it was only going to be 525, it's looking like it is going to be 775, will then try and make up 225 through my side hustle throughout the month, for some reason it has made me grin. I originally thought I would only be able to 275 this month due to other bills. I really do need some 'new' clothes ( vinted) etc but mentally seeing the figure go down like that I will be over the moon. Whoop whoop, does a happy dance.
Oh and 5lb lost in weight since the 6th, I am doing it 'naturally' after reading some of the groups about jabs and the problems people have. 😲.
Well done on the weight loss and pay downs!! It’s kept me going 💪🏻💕Highlanddream said:I am getting toward being really really pleased about my pay down amount next week ( pay day friday), thought it was only going to be 525, it's looking like it is going to be 775, will then try and make up 225 through my side hustle throughout the month, for some reason it has made me grin. I originally thought I would only be able to 275 this month due to other bills. I really do need some 'new' clothes ( vinted) etc but mentally seeing the figure go down like that I will be over the moon. Whoop whoop, does a happy dance.
Oh and 5lb lost in weight since the 6th, I am doing it 'naturally' after reading some of the groups about jabs and the problems people have. 😲.#no 3 Debts off by Xmas 2026 £633.58/£15,250
NSD Jan 16/20
#no 13 365 days 1p challenge 2026
£17.70/£667.95 paid 59/365
#no 2 £2 coin savers challenge 2026 £12
#no 11 SPC 19 £44 banked restart £19.66
2026 PAD challenge £660
1% challenge = 5%
#cc1 200/4100 29%
#cc2 NatWest 150/3400 29%
#cc3 Halifax 0/2150 26%
#cc4. MBNA 80 /5600 0% runs out soon
#loan1 /14000 7.2%
#loan2 /11000 13%
#family loan /3000 0%#solicitors /35000
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