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Hopefully debt free before Mortgage renewal in June 2026
Comments
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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 - £717.77/1500
Weight loss goal 1 - 0/7 lb
Mortgage OP goal 2026 - £4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest1 -
Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/251 -
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 🎅🏼🎄🎁❤️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 🎁♥️Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/252 -
Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/252 -
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 on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/251 -
Today is another day i have been looking forward to. Today is Winter Solstice which marks the day with the shortest daylight hours of the year. I hate the long dark cold nights of winter, so from today every day will start to be a little bit brighter. If it wasnt Xmas day in a few days time, i would have set my target day for today, as it would be a perfect analogy for my current situation - putting the dark days behind me and having a brighter future ahead.
🫶🏼❤️
Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/256 -
Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/254 -
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 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.991 -
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.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).
Happy Winter Solstice to us 🥳😁🫶🏼❤️Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/253 -
Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/252
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