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A small win but a huge one for me personally.

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For the first time I felt a sense of achievement in this pain in the behind situation ( totally of my own making). I trashed my phone. Instead of just phoning up and ordering a new contract phone, as I would have done until last year. I purchased a second hand phone that does exactly the same thing for £90. Again I would have previously just shoved a full priced one on a credit card.... this time I managed to cash flow it without affecting my debt pay off or my emergency fund. I am so so pleased.  Small win but major for me. 
Sept 24 : £32000
May 25 :  £14000
June 25 : £13000
July 25 :  £12000

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  • kimwp
    kimwp Posts: 2,983 Forumite
    Fifth Anniversary 1,000 Posts Photogenic Name Dropper
    For the first time I felt a sense of achievement in this pain in the behind situation ( totally of my own making). I trashed my phone. Instead of just phoning up and ordering a new contract phone, as I would have done until last year. I purchased a second hand phone that does exactly the same thing for £90. Again I would have previously just shoved a full priced one on a credit card.... this time I managed to cash flow it without affecting my debt pay off or my emergency fund. I am so so pleased.  Small win but major for me. 
    It shows a big change in mentality - definitely worth celebrating 🎉
    Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.php

    For free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.
  • It’s little victories like this that can keep us going , well done , definitely a step in the right direction x
    Debt free April 2024 !! 

    dfd:
    https://forums.moneysavingexpert.com/discussion/6510394/champagne-supernova-s-debt-free-to-savaholic-diary/p

    2025 savings goals:
    £1000/£1000 emergency fund 
    £0/£1000 Rainy Day 

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