Hopefully debt free before Mortgage renewal in June 2026

Tezzadp

No money spent today

Direct Debits

British Gas (gas) £50.00
Severn Trent Water £21.32

No Council Tax this month as i pay my bill over 10 months not 12, so i have 2 free months without making a payment each year (Feb & March).

Debt payments

Hastings loan daily payment : £1.51 (Total paid so far this month* £25.65) - leaving a final payment of £45.63 in Jan 2028 (36 monthly payments) = Balance outstanding now £2647.32

*This month refers to 31st Jan until today, and will run until 27th Feb (the day before pay day)

Tezzadp

Thanks guys. I hate winter too, the cold, dark. miserable, short days and long nights totally depress me even more than normal. But spring is just around the corner and i can already feel the difference in the daylight hours in the day getting longer each day.

Im getting there slowly, the payments are slowly adding up each day and the debt is coming down. it wont last forever but it will be worth the effort in the end. 

Tezzadp

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dawnybabes

You’re doing great, each small step makes a huge difference. 

Have you thought about doing surveys on an evening ? Might only be a few quid a week but it all adds up.  Perhaps save it for a treat ? 

Tezzadp

I've received my letter from the police today about my speeding fine. I've now admitted the offence online and await the letter of a £100 fine and 3 points in the next couple of days 

Money spent today 

Petrol for the car £20.00 
Tesco food shopping for the week £24.15

No direct debits today

Debt payments

Hastings loan daily payment : £1.52 (Total paid so far this month* £27.17) - leaving a final payment of £43.60 in Jan 2028 (36 monthly payments) = Balance outstanding now £2645.80

*This month refers to 31st Jan until today, and will run until 27th Feb (the day before pay day)

Tezzadp

dawnybabes said:

You’re doing great, each small step makes a huge difference. 

Have you thought about doing surveys on an evening ? Might only be a few quid a week but it all adds up.  Perhaps save it for a treat ? 

Thanks 

No i've not really tried them or know much about them. I wouldn't know where to start, plus I don't think I'd want all the spam Calls/Txts/Emails/Junk mail that come with filling out all my personal details for the sake of a few pence tbh. 

Tezzadp

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dawnybabes

Sites like prolific don’t spam you and you can actually earn a decent amount in there, I’ve got just over £40 up to now this month and doesn’t take long.

Tezzadp

No money spent today
No direct debits today

Debt payments

Hastings loan daily payment : £1.53 (Total paid so far this month* £28.70) - leaving a final payment of £41.51 in Jan 2028 (36 monthly payments) = Balance outstanding now £2644.27

*This month refers to 31st Jan until today, and will run until 27th Feb (the day before pay day)

Tezzadp

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