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1% challenge 2023

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Comments

  • Highlanddream
    Highlanddream Posts: 312 Forumite
    Seventh Anniversary 100 Posts Name Dropper Combo Breaker
    edited 18 January at 3:21PM
    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. :D

    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. 😲. 
    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. :D

    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 💪🏻💕
    thank you, it feels like it has been a long hard slog but now can see the light at the end of the tunnel 😁 I am aiming for Sept, to make it 2 years exactly from my lightbulb moment but I slow down in summer so probably dreaming, lol. 
    Sept 24 : £32000                  Sep 25 - £10356         Feb 26 - £7545                
    May 25 :  £14000                  Oct 25 -  £9569           
    June 25 : £13000                   Nov 25 - £9275                                  
    July 25 :  £12000                   Dec 25 - £8975
    Aug 25 :  £11436                   Jan 26 -  £8065
  • 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. :D

    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. 😲. 
    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. :D

    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 💪🏻💕
    thank you, it feels like it has been a long hard slog but now can see the light at the end of the tunnel 😁 I am aiming for Sept, to make it 2 years exactly from my lightbulb moment but I slow down in summer so probably dreaming, lol. 
    You’ll do it 💪🏻❤️
    #no 3 Debts off by Xmas 2026 £1160 /£15,250
    NSD Feb 16/20
    #no 13 365 days 1p challenge 2026
    £40.95/£667.95 paid 90/365 
    #no 2 £2 coin savers challenge 2026 £22
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £1160
    1% challenge = 7.6%

    #cc1 320/4100 29%
    #cc2 NatWest 400/3400 29%
    #cc3 Halifax 220/2150 26%
    #cc4. MBNA 220/5600 0% runs out soon
    #loan1 876/14000  7.2%
    #loan2 742/11000 13%
    #family loan /4000 0%
    #solicitors /8000
  • NeverendingDMP
    NeverendingDMP Posts: 2,434 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    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. :D

    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. 😲. 
    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. :D

    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 💪🏻💕
    thank you, it feels like it has been a long hard slog but now can see the light at the end of the tunnel 😁 I am aiming for Sept, to make it 2 years exactly from my lightbulb moment but I slow down in summer so probably dreaming, lol. 
    Two years would be amazing though. As you get closer I'll reckon you will have a big blast of motivation to see you through. 
    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
  • NeverendingDMP
    NeverendingDMP Posts: 2,434 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @NeverendingDMP, any news on your contract?
    No news as yet. This would be the third time they renew it (if they do) so I'm hopeful in the sense that the works there. Two of us do this job and we are both on temp contracts with the same end date. The new system is brought in very close to our contract end date and that is what makes me nervous. I'll start asking more about it  soon. The last two times I only found out with a week or two to go so they are v last minute.com 😂
    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
  • £10 off cc today
    #no 3 Debts off by Xmas 2026 £1160 /£15,250
    NSD Feb 16/20
    #no 13 365 days 1p challenge 2026
    £40.95/£667.95 paid 90/365 
    #no 2 £2 coin savers challenge 2026 £22
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £1160
    1% challenge = 7.6%

    #cc1 320/4100 29%
    #cc2 NatWest 400/3400 29%
    #cc3 Halifax 220/2150 26%
    #cc4. MBNA 220/5600 0% runs out soon
    #loan1 876/14000  7.2%
    #loan2 742/11000 13%
    #family loan /4000 0%
    #solicitors /8000
  • Highlanddream
    Highlanddream Posts: 312 Forumite
    Seventh Anniversary 100 Posts Name Dropper Combo Breaker
    Down to £8175 :D  74.4% , not sure how I made it 78% last time 😣. 800 paid off today. Nearly paid off £24000 now. 
    Sept 24 : £32000                  Sep 25 - £10356         Feb 26 - £7545                
    May 25 :  £14000                  Oct 25 -  £9569           
    June 25 : £13000                   Nov 25 - £9275                                  
    July 25 :  £12000                   Dec 25 - £8975
    Aug 25 :  £11436                   Jan 26 -  £8065
  • Down to £8175 :D  74.4% , not sure how I made it 78% last time 😣. 800 paid off today. Nearly paid off £24000 now. 
    Down to £8175 :D  74.4% , not sure how I made it 78% last time 😣. 800 paid off today. Nearly paid off £24000 now. 
    Wow 🤩 that’s amazing how much you’ve paid off!
    #no 3 Debts off by Xmas 2026 £1160 /£15,250
    NSD Feb 16/20
    #no 13 365 days 1p challenge 2026
    £40.95/£667.95 paid 90/365 
    #no 2 £2 coin savers challenge 2026 £22
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £1160
    1% challenge = 7.6%

    #cc1 320/4100 29%
    #cc2 NatWest 400/3400 29%
    #cc3 Halifax 220/2150 26%
    #cc4. MBNA 220/5600 0% runs out soon
    #loan1 876/14000  7.2%
    #loan2 742/11000 13%
    #family loan /4000 0%
    #solicitors /8000
  • I’ll update my total beginning of feb as I need to wait until cc statements come to account for the high interests 🙄 it’s frustrating waiting🤯
    #no 3 Debts off by Xmas 2026 £1160 /£15,250
    NSD Feb 16/20
    #no 13 365 days 1p challenge 2026
    £40.95/£667.95 paid 90/365 
    #no 2 £2 coin savers challenge 2026 £22
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £1160
    1% challenge = 7.6%

    #cc1 320/4100 29%
    #cc2 NatWest 400/3400 29%
    #cc3 Halifax 220/2150 26%
    #cc4. MBNA 220/5600 0% runs out soon
    #loan1 876/14000  7.2%
    #loan2 742/11000 13%
    #family loan /4000 0%
    #solicitors /8000
  • Highlanddream
    Highlanddream Posts: 312 Forumite
    Seventh Anniversary 100 Posts Name Dropper Combo Breaker
    I’ll update my total beginning of feb as I need to wait until cc statements come to account for the high interests 🙄 it’s frustrating waiting🤯
    Thank you - about the amount I have paid off. The waiting is really frustrating, I struggle waiting for pay day to get the next chunk off. Not sure what I am going to think about when it is all gone 🤣. I had an unexpected extra £50 this morning, from a side hustle, so that has gone straight off the credit card - under the 1000 on that one now. 
    Sept 24 : £32000                  Sep 25 - £10356         Feb 26 - £7545                
    May 25 :  £14000                  Oct 25 -  £9569           
    June 25 : £13000                   Nov 25 - £9275                                  
    July 25 :  £12000                   Dec 25 - £8975
    Aug 25 :  £11436                   Jan 26 -  £8065
  • I’ll update my total beginning of feb as I need to wait until cc statements come to account for the high interests 🙄 it’s frustrating waiting🤯
    Thank you - about the amount I have paid off. The waiting is really frustrating, I struggle waiting for pay day to get the next chunk off. Not sure what I am going to think about when it is all gone 🤣. I had an unexpected extra £50 this morning, from a side hustle, so that has gone straight off the credit card - under the 1000 on that one now. 
    You’re smashing it 💪🏻❤️ I sometimes think the same when the debts gone, but I’m hoping one day I might get a mortgage of my own, that’s the dream 💕
    #no 3 Debts off by Xmas 2026 £1160 /£15,250
    NSD Feb 16/20
    #no 13 365 days 1p challenge 2026
    £40.95/£667.95 paid 90/365 
    #no 2 £2 coin savers challenge 2026 £22
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £1160
    1% challenge = 7.6%

    #cc1 320/4100 29%
    #cc2 NatWest 400/3400 29%
    #cc3 Halifax 220/2150 26%
    #cc4. MBNA 220/5600 0% runs out soon
    #loan1 876/14000  7.2%
    #loan2 742/11000 13%
    #family loan /4000 0%
    #solicitors /8000
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