Hopefully debt free before Mortgage renewal in June 2026

Tezzadp

No money spent today

Savings/emergency Standing order day today £40.00 bringing the account balance to £444.50

Debt payments

Virgin CC weekly payment : £33.00 (i pay an additional £1 every week until it is paid off). Total paid so far this month £65.00. Balance remaining £919.00

Hastings loan daily payment : £1.69 (Total paid so far this month* £13.24) - leaving a final payment of £35.97 in August 2027 (30 monthly payments) = Balance outstanding now £2255.02

*This month refers to 28th Feb to 30th March (the day before pay day)

Tezzadp

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Tezzadp

No money spent today

Debt payments

Hastings loan daily payment : £1.70 (Total paid so far this month* £14.94) - leaving a final payment of £33.95 in August 2027 (30 monthly payments) = Balance outstanding now £2253.32

*This month refers to 28th Feb to 30th March (the day before pay day)

Tezzadp

..........

Tezzadp

No money spent today

Debt payments

Hastings loan daily payment : £1.71 (Total paid so far this month* £16.65) - leaving a final payment of £31.90 in August 2027 (30 monthly payments) = Balance outstanding now £2251.61

*This month refers to 28th Feb to 30th March (the day before pay day)

Tezzadp

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VAP_Driver

Tezzadp said:

No money spent today

Debt payments

Hastings loan daily payment : £1.71 (Total paid so far this month* £16.65) - leaving a final payment of £31.90 in August 2027 (30 monthly payments) = Balance outstanding now £2251.61

*This month refers to 28th Feb to 30th March (the day before pay day)

We’re now entering the ‘payday doldrums’, where it seems the previous payday was ages ago, but the upcoming payday is so far away, It used to be that I was looking forward to payday because that’s when I could recommence spending again. Then it became about when I could pay the next lump off my debt and see the numbers go down. When it becomes about seeing the numbers (in savings) go up, that’s when the real fun begins.

Just keep looking forward to that.

Tezzadp

No money spent today
No direct debits today

Debt payments

Hastings loan daily payment : £1.72 (Total paid so far this month* £18.37) - leaving a final payment of £29.83 in August 2027 (30 monthly payments) = Balance outstanding now £2249.89

*This month refers to 28th Feb to 30th March (the day before pay day)

Tezzadp

...........

Tezzadp

VAP_Driver said:

Tezzadp said:

No money spent today

Debt payments

Hastings loan daily payment : £1.71 (Total paid so far this month* £16.65) - leaving a final payment of £31.90 in August 2027 (30 monthly payments) = Balance outstanding now £2251.61

*This month refers to 28th Feb to 30th March (the day before pay day)

We’re now entering the ‘payday doldrums’, where it seems the previous payday was ages ago, but the upcoming payday is so far away, It used to be that I was looking forward to payday because that’s when I could recommence spending again. Then it became about when I could pay the next lump off my debt and see the numbers go down. When it becomes about seeing the numbers (in savings) go up, that’s when the real fun begins.

Just keep looking forward to that.

I can relate to that. i feel like payday was agggggeeesss ago and the next payday is years away. it takes forever for the next payday to arrive but i love the feeling of paying a lump sum off at the end of the month and looking at the figures come down on the debts i owe, i just wish it would come around quicker haha. cant wait until its all paid then it will be money building up like you say instead of debts being paid.