Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%
Clearing my debt after 25 years
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Yeah takes an absolute eternity to pay out but usually get 2 a year better than nothing and Mr J does them to so it’s about £200 a year on those xPay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800
£17150 saved for house refurb fund
£10,000 saved for emergency fund0 -
Work today was pretty busy so that’s good, announcement on my new role will be next week so hopefully the
team take it well, I’m off tomorrow. Plan for the day will be:
Strip and wash our bed
hoover and mop downstairs
Take my ID to solicitor
Sort through my wardrobe
Visit my parents
NSDPay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800
£17150 saved for house refurb fund
£10,000 saved for emergency fund1 -
PAD is £10 today and tomorrow when Mr J gets paid I hope to drop into the next 1000 bracket so fingers crossed!Been to parents, made soup, been the solicitors, dog walked, have to do bed tomorrow as had other washing to catch up on today, have a few bits to try on from my wardrobe to see if I want them or they should go, really need to get a couple of new jumpers for winter 🥶 maybe some jeans and a a few work clothes but will look on 2nd hand sites first have a fab day all xxPay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800
£17150 saved for house refurb fund
£10,000 saved for emergency fund0 -
Morning Mr J payday and overtime this week so have managed to pay £100 off the sofa, this take what we owe on the sofa now to under £2000 and takes us down to £6990 so I’m feeling quite happy today and should be able to pay a little more tomorrow on my pay day although just at the moment most of that is going on the holiday. Sorted some bits out yesterday and started to pack away a few things we won’t be needing, I really hope it’s all going to fit in at mams house, no easy task trying to fit a 3 bedroom house into a 4 bedroom house that 2 people already live in! Off food shopping today and then home to do a bit more xxPay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800
£17150 saved for house refurb fund
£10,000 saved for emergency fund1 -
Getting into the next £000 bracket is always a good day!!
Its funny how wen we are in debt we. are wishing our live away waiting for the next payday to come0 -
That’s exactly how I feel, just waiting for the next pay to pay a bit more off, just doesn’t feel fast enough!
Pay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800
£17150 saved for house refurb fund
£10,000 saved for emergency fund0 -
Payday today although god knows what time, sometimes it doesn’t go in till late evening as small company, got a small bonus coming so should be able to do a bit extra to prom savings probably won’t send it to debt this month…hurry up wages!!Pay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800
£17150 saved for house refurb fund
£10,000 saved for emergency fund0 -
No way, that would drive me nuts, my pay is sometimes even in by 10pm the night before payday. I think I would be checking all day.Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%0 -
Yep it does drive you mad waiting for it, just depends what time he has that day to sit down and send the wages after the accountant has worked it all out, we usually have a whole chat going on about what time do we think we are getting paid or we let each other know when someone has been, some months it’s really late some months it can be lunch time there is just no set rule xxPay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800
£17150 saved for house refurb fund
£10,000 saved for emergency fund0 -
And at last pay has arrived in my account and so I have paid the following after bills
£200 to essentials account (this is car, vets, birthdays, boiler service etc)
£300 to holidays
£160 to Christmas
£54 to prom account
£650 paid off the sofa finance 😄Pay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800
£17150 saved for house refurb fund
£10,000 saved for emergency fund2
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