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misstara's debt diary 2024
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Debt Free 👌🎉MFW 2025 #50: £1139.75/£600007/03/25: Mortgage: £67,000.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
07/03/25: Savings: £16,5004 -
Sorry that you were up at silly o’clock.Fantastic news about the Cc. Be proud. 😊I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Thanks both - it's a great feeling to be debt free again and I'm determined that this will be the last time!
Beanie - I managed to get back to sleep around 3 and then slept until 8 so overall about 7 hours sleep which is actually better than usual.
Up and out fairly early with OH - picked up a prescription, walk round the local park and then to Lidle (£22.02 spent). Walk round the park was lovely and lots more spring flowers out than last time.
Did a few PA surveys this morning so just waiting for the money to become available to cash out and will send it to the emergency fund.
Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.992 -
Glad you got back to sleep.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Me too beanie or it would have been a very long day!beanielou said:Glad you got back to sleep.
£10.75 cashed out from PA and sent to the emergency fund
Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.991 -
Thursday was a NSD. Yesterday I spent £8.35 on food shopping (fruit, yoghurt and wraps) plus we went a walk and treated ourselves to coffee and cake in a cafe while out (£9 spent). On a double shift today at work so shouldn't spend anything (hopefully!).
£10.76 cashed out from PA and sent to the emergency fund, currently sitting at £1292.77. Once it reaches £1300, I'll move £100 over to the new account I set up which has limited withdrawals and a slightly better savings rate.Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.990 -
Well done, 'miss no debt tara' :-)
really pleased for you1 -
Congratulations on debt free!Gambling Addict - Acting now before it's too late. Gambling losses well over 25k.Current Situation Started Posting in Apil 24:Unsecured Personal Debt - June 2025Natwest CC 0% - £3000 (Cleared November 2024)
Lloyds CC 0% £4500 - £1000
Barclaycard CC 0% £12,567 - £7800
10/6/24 - 16 MonthsGamble Free - Longest in years. Gambling is an illness. Seek help. It is not worth your life.1 -
Thanks Boodedoo and Lonelygambler
Haven't posted for a while as was very busy at work and then away for a long weekend with friends. My weekend was absolutely lovely, spent more than anticipated but all covered by the holiday fund.
Had today off as well so had a productive day - as well as going for a walk with OH and doing a wee shop, I looked at all my outgoings and have managed to reduce these by £70ish per month. This more than offsets the £15 rent increase and £3 council increase per month so very pleased with this
Emergency fund is now at £1304.48 so £100 moved over to other account. Bonus was added on to LISA so it's now sitting at £10300.22
Just one more payment to be added to it and that will be it for this financial year.
Pay slip is in and due to doing less overtime than usual last month, my pay is about £500/600 less than usual
so need to do a budget for this and see what I can add to savings. Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.991 -
Payday today and I've moved £225 to the LISA, £52 to the emergency fund and £50 to the holiday fund. Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.991
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