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Hopefully debt free before Mortgage renewal in June 2026
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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 £2757.31 - 30/07/250 -
Slowly getting towards the end of the month and another payday. Also the daily payments are creeping up to the £2 per day mark aswell, which will add up quicker and it marks 100 consecutive days of daily payments towards my loan, even though they are small they all add up and help considerably with motivation, focus and determination to carry on and succeed.
No money spent today
No direct debits today
Debt payments
Hastings loan daily payment : £1.82 (Total paid so far this month* £36.12) - leaving a final payment of £8.29 in August 2027 (30 monthly payments) = Balance outstanding now £2232.15
*This month refers to 28th Feb to 30th March (the day before pay 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 £2757.31 - 30/07/251 -
................
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 £2757.31 - 30/07/252 -
No money spent today
Friday today which means a £40.00 standing order into my emergency/savings account. Balance now stands at £234.50
Direct debits
EE mobile phone monthly bill £9.00
Debt payments
Virgin CC weekly payment £35.00 (I add an extra £1 to the payment every week until the debt is paid). Total paid this month so far £159.00 Debt balance is now £825.00 Which will be under £800 with the next payment
Hastings loan daily payment : £1.83 (Total paid so far this month* £37.95) - leaving a final payment of £5.85 in August 2027 (30 monthly payments) = Balance outstanding now £2230.32
*This month refers to 28th Feb to 30th March (the day before pay 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 £2757.31 - 30/07/253 -
.............
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 £2757.31 - 30/07/254 -
Money in the bank means you’ve got options. It also buys a comfortable nights sleep, without having even to spend a single penny of it.3
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No money spent today
No direct debits today
Hastings loan daily payment : £1.84 (Total paid so far this month* £39.79) - leaving a final payment of £86.76 in July 2027 (29 monthly payments) = Balance outstanding now £2228.48
*This month refers to 28th Feb to 30th March (the day before pay 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 £2757.31 - 30/07/251 -
............
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 £2757.31 - 30/07/251 -
Very impressed with your focus and dedication. ! You do have got this ! I am 100% sure you will be all paid off in time
prolific do some great online surveys which would help get that hasting debt goneDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest2 -
No money spent today
No direct debits today
Hastings loan daily payment : £1.85 (Total paid so far this month* £41.64) - leaving a final payment of £84.33 in July 2027 (29 monthly payments) = Balance outstanding now £2226.63
*This month refers to 28th Feb to 30th March (the day before pay 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 £2757.31 - 30/07/252
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