We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Hopefully debt free before Mortgage renewal in June 2026

1…101102104106107…161

Comments

  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've read through your whole diary Tezza and think you've done an amazing job. You're so consistent with keeping records of spends and daily payments too. Something I need to do better because to read it all one day after the other really shows the progress made, and quickly! Well done and I look forward to seeing you pay that debt off completely! Very inspirational 🎁♥️
    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 14/24

  • Tezzadp
    Tezzadp Posts: 1,209 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
                                                     

    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Tezzadp
    Tezzadp Posts: 1,209 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    debtfreewannabe321 said:
    I've read through your whole diary Tezza and think you've done an amazing job. You're so consistent with keeping records of spends and daily payments too. Something I need to do better because to read it all one day after the other really shows the progress made, and quickly! Well done and I look forward to seeing you pay that debt off completely! Very inspirational 🎁♥️
    Thank you soo much. I'm glad i have helped to inspire at least one person positively during my journey. I wish you all the best with your own journey. Merry Christmas 🎅🏼🎄🎁❤️
    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Tezzadp
    Tezzadp Posts: 1,209 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
                                 

    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Tezzadp
    Tezzadp Posts: 1,209 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    4 Days to go 🎅🏼😁🎁🫶🏼❤️🥳

    No money spent today
    No direct debits today

    Natwest CC Daily payment £4.58 Total daily payments made this month £107.16

    Total of all Natwest CC payments, including weekly and monthly payments made this month £314.16 leaving a balance of £262.60

    *This month refers to 28th November to 25th December (Xmas day + DEBT FREE DAY !! )


    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Tezzadp
    Tezzadp Posts: 1,209 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
                                                      

    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Rhyddid2026
    Rhyddid2026 Posts: 1,297 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I also dislike winter and the cold dark days. Solstice is definitely my favourite day of winter. Possibly my favourite day of the year (although it is still in winter so is usually a cold dark day itself). 
    Debts                04/01/25       04/05/26  
    Natwest2           £6,509.97      £3,775
    NatWest CC      £7,612.74       £6,125
    Lloyds CC          £6,112.60      £3,897.12
    1st Direct CC     £176.03         £35.71
    CC total             £20,411.34    £13,832.83
    OD                     £1100            £0
    Car loan             £4,000          £3,400
    1st Direct Loan  £10,684.44    £6,745
    Total                  £36,195.78    £23,977.83
    EF £1,800
    HF £272.11
  • Tezzadp
    Tezzadp Posts: 1,209 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    Rhyddid2026 said:
    I also dislike winter and the cold dark days. Solstice is definitely my favourite day of winter. Possibly my favourite day of the year (although it is still in winter so is usually a cold dark day itself). 
    Glad im not alone. It is one of my favourite days too, along with Boxing day, because i hate Christmas and it is the furthest day away from Christmas day 😂. I hate everything about winter, cold, dark and it genuinely really does make me miserable and affects my general mood. If money was no object i would definitely go to somewhere lighter and warmer for 6 months of the year each winter, but until then i will just have to suffer it unfortunately.

    Happy Winter Solstice to us 🥳😁🫶🏼❤️  
    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Tezzadp
    Tezzadp Posts: 1,209 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
                                   

    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.6K Banking & Borrowing
  • 254.5K Reduce Debt & Boost Income
  • 455.5K Spending & Discounts
  • 247.5K Work, Benefits & Business
  • 604.4K Mortgages, Homes & Bills
  • 178.6K Life & Family
  • 261.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture