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Hopefully debt free before Mortgage renewal in June 2026

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Comments

  • Rhyddid2026
    Rhyddid2026 Posts: 822 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I'm so excited for you for tomorrow!
    Merry Christmas, and a happy new debt free New Year! 
    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  £    203.99
  • Tezzadp
    Tezzadp Posts: 806 Forumite
    500 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Natwest CC Daily payment £4.62 Total daily payments made this month £125.58

    Total of all Natwest CC payments, including weekly and monthly payments made this month £332.58 leaving a balance of £244.18

    *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 - 25/12/25
  • Spendless
    Spendless Posts: 24,966 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Merry Christmas Tezz. Im more likely to look up your update today than I am to watch the King's Christmas message. 😅 
  • Cara_
    Cara_ Posts: 175 Forumite
    100 Posts Second Anniversary
    Merry Christmas. 
    I'll be sneaking away from the table to check for the updates 😁
  • joedenise
    joedenise Posts: 18,144 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Looking forward to the updates today.  Merry Christmas to you.
  • daisy_1571
    daisy_1571 Posts: 2,554 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    That is gorgeous 

    Dxx
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • Pinkpieuni
    Pinkpieuni Posts: 208 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    edited 25 December at 8:57AM
    I will also be sneaking away from the table to check your update, exciting. Merry Christmas and well done, your consistence on this journey has been  exceptional.

    Challenges

    NSD - Dec 10/10

    The Save £12k in 2025 challenge #4 £12,317/£30,500

    2025 Mortgage-Free Wannabes #61 £42,801.82/£38,000

    Mortgage @ Jan 2025 £75,600-Current bal £29,851.26 Target  MF - Jun 26, 187 days away.


    2026 Challenges

    NSD - January 

    1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,851.26

    mortgage @ Jan 2025 - £75,600

    2. Loan  - Jan 2026 £1,029.22 - Current balance £1,029.22

    3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)

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