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Hopefully debt free before Mortgage renewal in June 2026
Comments
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I’ve been wondering how much of a reduction you’ll aim for before renewing your mortgageMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.2
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It's up to you of course once you're debt free, but Id recommend updating your diary at least occasaionally as you rebuild savings or overpay on your mortgage.2
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One more day to go 🥳 Fantastic achievement and also for being alcohol free for so long! Congrats on both goalsThe 365 Day 1p Challenge 2026 #26 £437.90/£667.95Save £12k in 2026 #12 £6446.41/£7500
Car Loan Dec 25- £14,114.74 (60mth)
Jan 26- £9857.07 (42mth)
Feb 26- £6438.83 (28mth)
Mar 26- £5930.87 (26mth)
Apr 26 - £4158.00 (18mth)
May 26 - £3917.00 (17mth)2 -
Excellent news about your bonus.I'm another who loves the quotes and will miss them2
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Will also miss the quotes, I also hope we will continue to hear updates from you. Great achievement though, one more day to go, you must be delighted with your progress, as you should be! Happy Christmas and all the best in 2026!!
Mortgage: £173,700 Sep 22 £157,700 Feb 26
MF Date: Sep 52 Mar 52
CC Debt: £15,250 Nov 25 £9,200 Feb 26
NSD: Jan: 17/31 | Feb: 12/28
2026 Challenges:
MFiT-T7 #5
DFbyXMAS #7
Sealed Pot Challenge #022
2026 Grocery Challenge: 20/01 - 19/02 £132.79/£200
2026 Grocery Challenge: 20/02 - 19/03 £31.85/£200
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Congrats on the bonus, you don't have to post daily but its always a good idea to post periodically or people find bad habits slip back in. You can always focus on paying off mortgage early next or set yourself a savings goal.*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/2 -
No money spent today
No direct debits today
Natwest CC Daily payment £4.61 Total daily payments made this month £120.96
Total of all Natwest CC payments, including weekly and monthly payments made this month £327.96 leaving a balance of £248.80*This month refers to 28th November to 25th December (Xmas day + DEBT FREE DAY !! )
Debts Jan 6th 2025 = £6465.60
Natwest CC £0 - 25/12/25If 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/FMcH7elUMy Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC
X (Twitter) : https://x.com/Savvy_Squirrel_8 -
Debts Jan 6th 2025 = £6465.60
Natwest CC £0 - 25/12/25If 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/FMcH7elUMy Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC
X (Twitter) : https://x.com/Savvy_Squirrel_6 -
Debts Jan 6th 2025 = £6465.60
Natwest CC £0 - 25/12/25If 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/FMcH7elUMy Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC
X (Twitter) : https://x.com/Savvy_Squirrel_4 -
Thank you to everyone who has commented about the quotes. I will continue to post them and try to build up a library of saved ones to post as often as possible.
Thank you all for all your kind comments, help, advice, support, encouragement and guidance over this last year, i really do appreciate it. I wish you all the very best of luck with your own personal journeys in life.
Remember, one last day of my debt journey to come tomorrow 😁🥳
I wish each and every one of you a Merry Christmas and i hope you all have a great festive period.
Tez xx
❤️🎅🏼🎁🎄🫶🏼
Debts Jan 6th 2025 = £6465.60
Natwest CC £0 - 25/12/25If 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/FMcH7elUMy Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC
X (Twitter) : https://x.com/Savvy_Squirrel_6
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