Hopefully debt free before Mortgage renewal in June 2026

Tezzadp

@VAP_Driver Thanks for the support

@Cara_ yes, happy to get to 3 figures on the Virgin CC now, and the daily payments on the hastings loan are creeping up nicely and slowly getting that figure down too.

@vampirotoothus I totally agree, it makes you realise how much you actually spend on things you don't actually NEED in life that's for sure.

@BestnamesRgone Thanks for your comment and ideas. I love overpaying my Hastings loan and seeing it come down daily. it helps me to keep focused. I used Olio a couple of years ago. But its not very popular in my area any more and there is hardly anything posted on there anymore unfortunately. Glad you managed to get some good things from it though. 

Thanks EVERYONE for all your messages and support. Hope you're all doing well

Tezzadp

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Tezzadp

No money spent today
No Direct debits

Debt payments

Hastings loan daily payment : £1.57 (Total paid so far this month* £34.92) - leaving a final payment of £30.72 in Jan 2028 (36 monthly payments) = Balance outstanding now £2638.05

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

Tezzadp

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VAP_Driver

Tezzadp said:

No money spent today
No Direct debits

Debt payments

Hastings loan daily payment : £1.57 (Total paid so far this month* £34.92) - leaving a final payment of £30.72 in Jan 2028 (36 monthly payments) = Balance outstanding now £2638.05

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

Remember, every penny you pay off your debt is also buying future peace of mind. Which, ironically, is priceless.

Tezzadp

No money spent today

Direct debits

Hastings Direct monthly loan payment £89.02

Daily debt payments

Hastings loan daily payment : £1.58 (Total paid so far this month* £125.52 (inc monthly DD)) - leaving a final payment of £28.69 in Jan 2028 (36 monthly payments) = Balance outstanding now £2549.03

Got into a bit of a pickle with these Hastings payments, the £1.57 payment from yesterday has come out of my bank twice, but only showing on my Hastings loan payment history once, so ive emailed them with the details to look into for me. And also the amount outstanding according to Hastings website is £2576.21 whereas i get £2549.03 .... im not sure whats happened there but im hoping its just lagging behind with all my payments and will catch itself up in the end.

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

Tezzadp

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Tezzadp

Tuesday is weekly food shopping day. This week i spent £31.26 which is within my £30-£40 budget

No direct debits today

Daily debt payment

Hastings loan daily payment : £1.59 (Total paid so far this month* £127.11 (inc monthly DD)) - leaving a final payment of £26.55 in Jan 2028 (36 monthly payments) = Balance outstanding now £2547.44

Hastings Direct have said that they have received 2 payments of £1.57, although my payment history doesnt show this. I've asked them to update it for me.

*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
No direct debits today

Daily debt payment

Hastings loan daily payment : £1.60 (Total paid so far this month* £130.28 (inc monthly DD)) - leaving a final payment of £22.23 in Jan 2028 (36 monthly payments) = Balance outstanding now £2545.84

Hastings have confirmed that i have made a duplicate payment of £1.57 by mistake so i have included this payment in the Total amount paid for the month figure above.

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