Hopefully debt free before Mortgage renewal in June 2026

VAP_Driver

Tezzadp said:

..............

You’re already a whole day closer to your goal than this time yesterday.

Tezzadp

No money spent today

Direct debits

Tesco Credit Card £55.00 monthly payment. Balance outstanding now £2163.00

Debt payments

Hastings loan daily payment : £1.54 (Total paid so far this month* £30.24) - leaving a final payment of £39.44 in Jan 2028 (36 monthly payments) = Balance outstanding now £2642.73

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

Tezzadp

....................... 

Tezzadp

No money spent today

Friday is standing order of £40.00 into the emergency savings account day.

Direct debits

Monthly Mobile Phone bill £9.00

Debt payments

Virgin Credit Card weekly payment £31,00. Balance outstanding now £984.00 (into 3 figures )

Hastings loan daily payment : £1.55 (Total paid so far this month* £31.79) - leaving a final payment of £37.33 in Jan 2028 (36 monthly payments) = Balance outstanding now £2641.18

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

Tezzadp

..................

VAP_Driver

Tezzadp said:

No money spent today

Friday is standing order of £40.00 into the emergency savings account day.

Direct debits

Monthly Mobile Phone bill £9.00

Debt payments

Virgin Credit Card weekly payment £31,00. Balance outstanding now £984.00 (into 3 figures )

Hastings loan daily payment : £1.55 (Total paid so far this month* £31.79) - leaving a final payment of £37.33 in Jan 2028 (36 monthly payments) = Balance outstanding now £2641.18

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

Debt coming down, savings going up, bills being paid. What’s not to like?! 

Cara_

Congratulations on getting below £1000 on the Virgin CC. The daily payments to the Hastings loan are adding up nicely.

vampirotoothus

Tezzadp said:

..................

I love this. I think the debt issue actually forces a revaluation on how we live, what we have in our lives and what we actually value. So the debt is the trigger for learning so much about ourselves and whilst it can be a costly lesson it makes us take huge steps in personal growth. Keep going V x

BestnamesRgone

Just read your diary from the start, you’re doing so well. I was a fan of overpaying my Hastings loan as often as I could, very satisfying to see the balance coming down daily.

One thought re your food spends, do you have any Olio volunteers near you? If you’ve not heard of it, Olio is an app designed to stop food waste and is free to use.  Volunteers collect from supermarkets (Tesco being one of the biggest customers) and then list the food on the app which you can request and collect from the volunteer.  Sometimes collections aren't very exciting but there’s nearly always bread and bakery items. Last night I also collected cookies and donuts along with some fruit and veg.

Tezzadp

Debt payments

Hastings loan daily payment : £1.56 (Total paid so far this month* £33.35) - leaving a final payment of £32.91 in Jan 2028 (36 monthly payments) = Balance outstanding now £2639.62

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