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No more debt, now what? Searching for happiness.

itsthelittlethings
Posts: 732 Forumite

So here's my old debt diary
Getting rid of that debt in 24 — MoneySavingExpert Forum
I've paid off the debt and am working on changing my habits to make sure I don't run up any more and more importantly spent intentionally and feel in control of my money. I record all my spends and work to a zero budget. This month things are a bit short, as I paid off the last of my debt when I got paid, but I'm going to work hard to make sure I don't put anything on a credit card or take anything out of savings. I'm also doing a pantry challenge where I eat up as much as I can out of my cupboards and freezer this month.
Having a good weekend this weekend, not too many spends. Just off for a coffee with a friend in a minute. No cake as I've started a weight management programme through the GP which is also going well. I thought I'd start this diary while I'm waiting to go out instead of doing the washing up. More later!
Getting rid of that debt in 24 — MoneySavingExpert Forum
I've paid off the debt and am working on changing my habits to make sure I don't run up any more and more importantly spent intentionally and feel in control of my money. I record all my spends and work to a zero budget. This month things are a bit short, as I paid off the last of my debt when I got paid, but I'm going to work hard to make sure I don't put anything on a credit card or take anything out of savings. I'm also doing a pantry challenge where I eat up as much as I can out of my cupboards and freezer this month.
Having a good weekend this weekend, not too many spends. Just off for a coffee with a friend in a minute. No cake as I've started a weight management programme through the GP which is also going well. I thought I'd start this diary while I'm waiting to go out instead of doing the washing up. More later!
0 bonus saver
35 NS&I
235 credit union
Credit card 1400
35 NS&I
235 credit union
Credit card 1400
2
Comments
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Good luck.1
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Well done on paying off your debt. Hope you enjoyed your meet up with your friend. Cake is my downfall. Good luck with your weight loss and eating from stores.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p11 -
Well done on paying for the debt.
Good luck with the weight lose and pantry challenge.
"Make Everyday Count"1 -
Well done on paying off your debt - I hope to be not too far behind you!
Aiming for March 2025 but ideally I would love it gone by December 2024!
Once that is paid my focus is going to switch to paying off my mortgage early, saving and being a bit more spend savvy.Debt Free - 4th June 20251 -
Well done clearing your debt, happiness naturally follows as do lists for aims and goals.Mortgage started 2020, aiming to clear 31/12/2029.1
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I am doing well. I cancelled my short break to London for September. I got all the money back for the accommodation. I'll be sorry not to go but with the spending money it was too much.
I had a spending day yesterday. Popped into town to pick up a few things and ended up doing a bit of shopping. It's amazing how that money flies out of your wallet. I did buy a handmade bag at the local craft market for my knitting project. I had one but I have it at work with my lunchtime project in do I've been looking for another. I got shampoo. I get this stuff from S44perdrug called Monday. It's £8 for a big shampoo and the same for a big conditioner. I like to use refills but these leave my hair silky soft and smooth. I. The afternoon I went to an art gallery and the park with my friend. She drove and I bought the McFlurries!
August will be quiet. No trips away and work is quiet. I should do some training while I can. Santander have some free training as I've done everything good offered by LinkedIn through work. I applied to do the Santander MBA Essentials but the assessment was very taxing. Memo to self, get on one of the courses on Monday!
I made piccalilli last weekend. I have four jars, three to give away and one for me. I get heartburn so I can't eat all 4. I made aubergine pickle and ate some but had to give the rest away on the Olio app. I had a massive clear out on Okio yesterday. I'm picking up a pizza stone tomorrow, I make dough in my bread maker, yum.
I am still waging war against my coffee spends.0 bonus saver
35 NS&I
235 credit union
Credit card 14000 -
Yesterdays spends
Coffee £2
Coffee with friend £12
Not too bad.
I’m thinking about doing a cookery class at the local adult education. There’s bread making and a noodle class. Bread making is £70 but noodles is £43 as it’s only a day school. Noodles it is I guess.0 bonus saver
35 NS&I
235 credit union
Credit card 14000 -
I’ve got about £150 left until I get paid. Should be manageable. I’m getting a veg box delivered on Friday which will form the basis of most of the rest of my meals along with the freezer. I wish I didn’t have the boom and bust cycle but it is what it is at the moment. I need to write down my recent spends. That will involve a certain amount of facing reality because some weren’t strictly necessary and a bit extravagant.
I’m still doing my money saving course off Instagram. It is slowly helping.
I want to go to the cinema but it is expensive plus there’s nothing on that I want to see. I’ve got a pile of clothes to sell on Vinted but I do quite love some of them so maybe I’ll keep some. I might sell the black dress I’ve never worn as I’ll never be a size 12 again. They say get rid of things you haven’t worn for a year but I wore a dress I haven’t worn for a couple of years today and loved it so I don’t know. Advice would be appreciated as I have way too many clothes.0 bonus saver
35 NS&I
235 credit union
Credit card 14000 -
Have made £9 on Vinted today and more importantly decluttered a bit so feeling quite OK with that. I'll get the money when I send it.
Very tired today and unfortunately it's only nightmare boss in for 2 weeks now so I'm not looking forward to work on Monday. It's never as bad as you think it's going to be though!
I'm doing a bit of a no spend challenge. I bought a few things this morning but since lunchtime I've bought nothing, not even a coffee. I am tempted to go for a walk and buy a choccy bar but I'm not going to.0 bonus saver
35 NS&I
235 credit union
Credit card 14000 -
Another no spend day today.0 bonus saver
35 NS&I
235 credit union
Credit card 14000
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