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A small win but a huge one for me personally.

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                  Sep 25 - £10356         Feb 26 - £6872               
May 25 :  £14000                  Oct 25 -  £9569          Mar 26 - £5998         
June 25 : £13000                   Nov 25 - £9275                                  
July 25 :  £12000                   Dec 25 - £8975
Aug 25 :  £11436                   Jan 26 -  £8065

Comments

  • kimwp
    kimwp Posts: 3,520 Forumite
    Sixth 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
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