Busting this debt before 40

Chocolatefund

ManyWays said:

That is a neat chart, where did you get it and was it free? I couldnt read the bit in very small print at the bottom

It was just a google search.  Theres a few debt payoff charts floating around.  I almost went for the ‘Debtris’ one, where it’s basically Tetris, but you colour in the bocks instead.  I settled on this one in the end.

I’d like to find a savings chart that I can colour in too.

Edit:  Debtfreecharts.com

Chocolatefund

Happy heatwave fellow debt busters,

Seriously…soooo glad I got the car sorted when it went in for its cambelt change.  The re gas and filter sorting of the air con were part of that cost.  I’d be a puddle in the drivers seat had I not got that done.  

Half way through July and it’s not been too bad money wise.  Finished redecorating my study and it’s looking so much better!  £164 on paint and supplies and a carefully planned Ikea trip of £165.  This cost has mostly come from leftover monies from last month.

This month spends so far currently has £270 on the AmEx.  A combination of Am@zon that I had been putting off for ages, lots of petrol, another smaller Ikea trip and some eating out.  No other spending so far that has been non AmEx.  That’s leaves £230 of the new £500 monthly spend budget left for the next two weeks.  Got no big plans for the rest of the month, so this should be doable.  Just got back from pet sitting for family and my fridge is cobwebs and tumbleweeds, so next week I will have to do a biiiiig food shop.  

Got a confirmed extra shift next weekend which is going to feel awesome, as this is the first extra monies that will NOT have to go towards debt!  I’m still debating the numbers I want to have between my sinking fund, family fund, house reno and SIPP/ISA.  Probably putting more mental calories on numbers then is actually healthy for one person.

The interest rebate for that last overpayment came through at £59.  It now officially says on the app that the last direct debit will be £225 and the last payment is indeed the 1st August!  Wohoo!

Can’t wait for it to be a fat ZERO.

honeybee1234

I am sooooooo with you on getting the aircon sorted - I keep saying that the spend was so worth it for the comfort it brings.

Great news on the final payment being next month! It must feel great, and so liberating to have that freedom of being able to divide your extra cash towards the different funds - no wonder you're contemplating it so much!