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Debt Free in 16 Months!

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  • AJH95
    AJH95 Posts: 8
    Fourth Anniversary First Post
    Forumite
    Well last night took a turn, we ended up over our friends house which they are renovating to help them with some DIY before a trade was due today. (I say DIY both of the men are trades but not in this area). They bought us dinner as a thank you so didn't have the dinner I had planned, moved it to tomorrow night as had nothing planned. That will save us buying something.

    So far today on a NSD, don't expect to spend anything. Having dinner with an elderly family member tonight on the way home from work. OH is working late and meeting me there. 

    Have planned next weeks meals and popped all the items into a Tesco shop, will confirm items when home and check if there is anything else needed. Currently at £47 and have a budget set for £50. 

    Moneywise - 
    • Moved some money into my chase account to make sure I get the cashback deal for next month.
    • Removed old CC from apple pay - I don't actually think I've ever used the physical card so removing it from my apple pay will make it harder to use. I don't think I actually know the pin either! Am planning on cancelling this towards the end of the month. 
    Still feeling productive, think having a diary is helping. 
    Hoping to be debt free by the end of 2025. 

    NatWest Loan - 2656.15
    Lloyds Credit Card -3707.17
  • AJH95
    AJH95 Posts: 8
    Fourth Anniversary First Post
    Forumite
    Dog is in the vets, hoping for results back today. Hasn't been a good week. He is insured but is older now so I have to pay 20% of the bill and the £100 excess. I only have 3k cover as well. 

    Debt paid off in July was £523.60, more than I thought.

    Current total owed is at 6363.50.
    Hoping to be debt free by the end of 2025. 

    NatWest Loan - 2656.15
    Lloyds Credit Card -3707.17
  • Sarahwithlove
    Sarahwithlove Posts: 3,502
    Eighth Anniversary 1,000 Posts Name Dropper
    Forumite
    Oh no i hope it isn't anything too serious with your dog. 

    Well done for starting a thread, it's never easy but will definitely help keep you on the straight and narrow 
    *Dad loan - £7000 - £7000
    *Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
    *Nationwide Loan - £11,000 -£11000.00
    *Total Debt - £21623.18/£21623.18*


    Savings
    *Sinking Fund - £1400/2000
    *Emergency Fund - £0/£3000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
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