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Hopefully debt free before Mortgage renewal in June 2026
Comments
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Thanks folks, i will have a look at gammon joints next time i go shopping. Im thinking i might do a curry next week and freeze some portions again. I might go to home bargains tomorrow as the dog needs some of her monthly treats/biscuits and while im there i might have a look to see if they have got any cheap tubs that i can use to put some meals in the freezer with. If they are cheap enough i may get some.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 £0 - 25/12/250 -
If I make a curry I always add potatoes to it to ‘pad’ it out plus lentilsSealed pot challenge 822
Jan - £176.66 :j1 -
£22.18 spent at Home Bargains today. I managed to get 6 tubs for only £1.49 which was good value, they will come in handy for putting things into the freezer. The rest was mainly dog treats/snacks that will last well over a month.
No direct debits today
Natwest CC Daily payment £2.68 Total daily payments made this month £41.68
Total of all Natwest CC payments, including weekly and monthly payments made this month £142.71 leaving a balance of £3702.27*This month refers to 30th May to 29th June (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 £0 - 25/12/253 -
I'm glad the stew turned out well and I'm looking forward to hearing how the curry turned out.The freezer tubs were a good price and will come in useful.I really like the quote above.1
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Now over half way through the month
No money spent today
No direct debits today
Natwest CC Daily payment £2.69 Total daily payments made this month £44.37
Total of all Natwest CC payments, including weekly and monthly payments made this month £145.40 leaving a balance of £3699.58*This month refers to 30th May to 29th June (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 £0 - 25/12/254 -
Down into the next thousand- great stuff
Dxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'2 -
No money spent today
Direct debits
Council Tax £134.00
Water bill £21.32
Gas Bill £50.00
Natwest CC Daily payment £2.70 Total daily payments made this month £47.07
Total of all Natwest CC payments, including weekly and monthly payments made this month £148.10 leaving a balance of £3696.88*This month refers to 30th May to 29th June (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 £0 - 25/12/253 -
Well it was food shop day today ...... and i think i've been a naughty boy
I have gone over my budget and spent a total of £41.58 
I did get ingredients to make a big curry to put into the freezer though, but it costs more than i thought to buy all the things needed just to make one dish. I have not added it all up but it was way over £10 for everything. I brought chicken, mushrooms, peppers, jars of curry sauce (no i can't make my own 
) rice and naan bread. I mean 69p EACH for peppers !!! if i knew that before they went thru the till i wouldnt have brought 2 single ones i would have brought the pre packed ones with 3 in for something like £1.40 or something. I thought it would be cheaper buying 2 single ones not in packaging, thats how it normally works with veg.... or so i thought haha. I will have to actually look at the prices next time, that would probably help. I suppose if i can fill my 6 tubs and have another meal out of it all then it won't feel as expensive as it does right now haha.
I did go mad and bought some non essential salted choc caramel ice cream cones for the weekend when the weather is expected to be roasting hot. They cost £1.25 which i could have saved really, but it could have been worse and i could have bought some beer for £10+. I also bought some things that i don't usually buy every week as i dont need them as often like toothpaste, fabric softener. So i'm hoping i can spend less next week with this week being over budget
and next week i wont cook anything to put in the freezer as i will have the curry and i still have left over stew in the freezer also. So that should save me some money also.
No Direct debits today
Natwest CC Daily payment £2.71 Total daily payments made this month £49.78
Total of all Natwest CC payments, including weekly and monthly payments made this month £150.81 leaving a balance of £3694.17*This month refers to 30th May to 29th June (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 £0 - 25/12/253 -
It definitely should work out over the month with the extra feeezer meals. Definitely OK to have the trest ice creams 🍦👍 😀
Dxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'1 -
I hope so. Thanksdaisy_1571 said:It definitely should work out over the month with the extra feeezer meals. Definitely OK to have the trest ice creams 🍦👍 😀
Dxx
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 £0 - 25/12/251
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