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A small win but a huge one for me personally.
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Highlanddream
Posts: 120 Forumite

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
May 25 : £14000
June 25 : £13000
July 25 : £12000
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Highlanddream said: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.Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.phpFor free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.1
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It’s little victories like this that can keep us going , well done , definitely a step in the right direction xDebt 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 Day1
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