📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Hopefully debt free before Mortgage renewal in June 2026

Options
1353638404162

Comments

  • Tezzadp
    Tezzadp Posts: 455 Forumite
    100 Posts Photogenic Name Dropper
    Back to work tomorrow after my week off, ive enjoyed my time off, im not looking forward to going back to work tbh, but on the bright side only roughly another 25 more years left to work before my house is paid off and i can retire  :D  :D 
    No money spent today
    No direct debits today

    Debt payments 

    Natwest CC Daily payment £2.28 Total daily payments made this month £13.53

    Total of all Natwest CC payments, including weekly payments made this month £27.53 leaving a balance of £4400.70

    *This month refers to 30th April to 29th May (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 - 30/07/25
  • Tezzadp
    Tezzadp Posts: 455 Forumite
    100 Posts Photogenic Name Dropper
    I havent done my usual weekly Tuesday food shop today, i will go tomorrow instead. 

    No money spent today
    No direct debits today

    Debt payments 

    Natwest CC Daily payment £2.29 Total daily payments made this month £15.82

    Total of all Natwest CC payments, including weekly payments made this month £29.82 leaving a balance of £4398.41

    *This month refers to 30th April to 29th May (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 - 30/07/25
  • Tezzadp
    Tezzadp Posts: 455 Forumite
    100 Posts Photogenic Name Dropper
    I did my weekly food shop today after work. I didnt spend as much as normal as i still had things that i havent used, so my weekly bill comes in at just £17.99 this week  o:)
     
    No direct debits today

    Debt payments 

    Natwest CC Daily payment £2.30 Total daily payments made this month £18.12

    Total of all Natwest CC payments, including weekly payments made this month £32.12 leaving a balance of £4396.11

    *This month refers to 30th April to 29th May (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 - 30/07/25
  • Tezzadp
    Tezzadp Posts: 455 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Debt payments 

    Natwest CC Daily payment £2.31 Total daily payments made this month £20.43

    Total of all Natwest CC payments, including weekly payments made this month £34.43 leaving a balance of £4393.80

    *This month refers to 30th April to 29th May (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 - 30/07/25
  • in_need_of_direction
    in_need_of_direction Posts: 7,735 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    you have no idea how grateful i am for the daily quotes.  sometimes, they truly resonate
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Loving the quotes too!
  • dawnybabes
    dawnybabes Posts: 3,367 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Ditto, I check your diary every day for them 🤣🤣
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Tezzadp
    Tezzadp Posts: 455 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Friday is my standing order for my weekly payment into my emergency/savings account of £40.00 taking my balance now to £347.50

    Debt payments 

    Natwest CC Weekly payment - £15.00 (i pay an extra £1 every week until the debt is paid off)

    Natwest CC Daily payment £2.32 Total daily payments made this month £22.75

    Total of all Natwest CC payments, including weekly payments made this month £51.75 leaving a balance of £4376.48

    *This month refers to 30th April to 29th May (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 - 30/07/25
  • Tezzadp
    Tezzadp Posts: 455 Forumite
    100 Posts Photogenic Name Dropper
    Just a weekly update on the total now paid which is creeping up to a third of the total debt now paid. 

    Also the monthly average monthly payment for the debt to be cleared within the 12 month 0% period on the Natwest CC, 10 more months remaining (after this month), is now £437.65 but after this months lump sum payment at the end of the month will bring this down hopefully.


    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 - 30/07/25
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.