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I feel your pain on the moths and nice jumpers. The bad chemical zero moth spray sadly seems to work better than the 'nicer' options which did an expensive nothing at all for our problem.
My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo0 -
We have used industrial quantities of lavender smelly things but it was a waste of money.redofromstart said:I feel your pain on the moths and nice jumpers. The bad chemical zero moth spray sadly seems to work better than the 'nicer' options which did an expensive nothing at all for our problem.1 -
Apologies, December got a bit hectic, I got sick, and clearly I forgot to update this thread! I have paid £365 towards my debt this month.Paying down my debt
Aug '24: Debt-free!
Jul '24: £772.75
Jun '24: £1441.03
Apr '24: £2,313.27
Mar '24: £3,132.45
Feb '24: £3,632.45
Jan '24: £4,082.45
Dec '23: £4447.55
Read my debt-free diary2 -
What about listing your daily spends on a spreadsheet and colour coding them. That way you could easily see a weekly/monthly spend and think was it an everyday essential or just a treat that you could cut out or reduce?
Poor MH and overspending/debt can go hand in hand. Have you had/Are you able to access therapy?
Well done on your debt payments and hope you're feeling better.1 -
Thank you @SpendlessSpendless said:What about listing your daily spends on a spreadsheet and colour coding them. That way you could easily see a weekly/monthly spend and think was it an everyday essential or just a treat that you could cut out or reduce?
Poor MH and overspending/debt can go hand in hand. Have you had/Are you able to access therapy?
Well done on your debt payments and hope you're feeling better.
I have a budgeting app that I use to categorise my spends so I can see where the most ££ is going! I am also attempting a clothing and beauty no-buy this year, which I am tracking the old-fashioned way in my diary.
I have done lots of therapy in the past but to be honest I have never found it helpful. I am trying to focus on healthier habits like exercise, good food, sleep, and getting outdoors.Paying down my debt
Aug '24: Debt-free!
Jul '24: £772.75
Jun '24: £1441.03
Apr '24: £2,313.27
Mar '24: £3,132.45
Feb '24: £3,632.45
Jan '24: £4,082.45
Dec '23: £4447.55
Read my debt-free diary1 -
How are you getting on @changingmyways23?
I love reading your diariesMortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.020 -
Thanks @craftingmad
I have paid off another £450 this month, so down to £3600-ish in debt (will double check and update my signature!).Paying down my debt
Aug '24: Debt-free!
Jul '24: £772.75
Jun '24: £1441.03
Apr '24: £2,313.27
Mar '24: £3,132.45
Feb '24: £3,632.45
Jan '24: £4,082.45
Dec '23: £4447.55
Read my debt-free diary3 -
Well done!!! That's good progress!!!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇0 -
Excellent progress. Keep it up!
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Re moths... I got the moth decoy and corrector box from these people and it works really well. I also have a wardrobe smelly thing. https://www.totalwardrobecare.co.uk/
I use bars of soap in all the drawers and fabric out of season clothes storage "boxes" which also get lavender bags and soap.Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.0
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