Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%
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Joyous January's No-Spend Days Challenge!
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Number 3 for me today, please
Starting Debt Total: £10156.43/£9723.43 Current Total
Total Paid to Date: 4.26%
SPC 17 #040 - £28.93
House Pot £1000.55/£2500
Car Insurance Pot £126.70/£300
Christmas 2024 Pot £96.57
Emergency Fund £25.00/500.001 -
That's definitely acceptable xBudgetingBelinda said:One today- I spent a voucher I had on a couple of bits so I’m not counting that as it wasn’t my actual money- is that an acceptable loophole?! I’m taking it! 1 -
NSD sunday1
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Doing good at this. Day 6 for me please1
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Third day in a row of it not being a NSD. Friday was weekly grocery shopping, Saturday sent a parcel so postage costs and today trip to Aldi for oat and soya milk. OH usually pays for this but somehow he managed to bring his wallet but forget his card! Fortunately I had mine with me or it would have mad for an embarrassing moment at the till.
Tomorrow will also be spendy as meeting friend for lunch and it's my turn to pay. Taking comfort in the knowledge that every spend day so far has been for a need not a want or fancy and I've bought groceries according to our meal plan or basics like the milk.
TVOL
3/10 NSD
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Today I have added another NS day making it 4/7 aim 16/31. Again I have spent money but it was other peoples money, I was doing their shopping and they have paid me back.1
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Great to hear! That’s my next weeks shop voucher too, so IF (big IF) I could be very much on track for my overpay debts by NSD and budget 💪🏼🤞🏼💪🏼cathybird said:
That's definitely acceptable xBudgetingBelinda said:One today- I spent a voucher I had on a couple of bits so I’m not counting that as it wasn’t my actual money- is that an acceptable loophole?! I’m taking it!Emergency Fund: 1000/2000August Grocery Challenge: 208/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p11 -
Still on day #4 as spent both days this weekend. Yesterday I had to buy some new tights for my daughter for school, and today we went for a lovely hike but had to pay for car parking and we needed cake and coffee to keep us going/warm us up!PAYDBC24 #8 ~ £10188.211
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Number 3 for me today 🥳Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
Today was day 4/20.‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.1
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