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Hopefully debt free before Mortgage renewal in June 2026

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Comments

  • Tezzadp
    Tezzadp Posts: 442 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Debt payments

    Natwest CC Daily payment £2.79 Total daily payments made this month £71.82

    Total of all Natwest CC payments, including weekly and monthly payments made this month £193.85 leaving a balance of £3651.13

    *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 £2757.31 - 30/07/25
  • Tezzadp
    Tezzadp Posts: 442 Forumite
    100 Posts Photogenic Name Dropper
    Cara_ said:
    The tickets are a well derserved treat for all your hard work and it will be lovely to spend time with your daughter doing something you both enjoy. I hope your daughter's surgery goes well and that she recovers quickly.
    The debt total is reducing nicely and it won't be long before it drops into the next the next thousand.
    Thank you so much :blush: 

    Yes it's edging slowly down. The daily payments add up a lot quicker now. Hopefully at the 50% paid off point very soon.
    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
  • Sarahwithlove
    Sarahwithlove Posts: 3,322 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Congrats on getting tickets! Sounds like a nice treat 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Tezzadp
    Tezzadp Posts: 442 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Debt payments

    Natwest CC Daily payment £2.80 Total daily payments made this month £74.62

    Total of all Natwest CC payments, including weekly and monthly payments made this month £196.65 leaving a balance of £3648.33

    *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 £2757.31 - 30/07/25
  • Tezzadp
    Tezzadp Posts: 442 Forumite
    100 Posts Photogenic Name Dropper
    Congrats on getting tickets! Sounds like a nice treat 
    Thank you :blush:
    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: 442 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today

    Standing order for £40.00 for my weekly payment into my emergency/savings account. Total paid in this month is £200.00 Balance now stands at £492.20

    Debt payments 

    Natwest CC Weekly payment £22.00 (I pay an additional £1 every week until the debt is paid in full) Total weekly payments made this month £100.00

    Natwest CC Daily payment £2.81 Total daily payments made this month £77.43

    Total of all Natwest CC payments, including weekly and monthly payments made this month £221.46 leaving a balance of £3623.52

    *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 £2757.31 - 30/07/25
  • Spendless
    Spendless Posts: 24,666 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You are doing really well. Tackling the debt, building savings and have treated yourself too. 
  • Tezzadp
    Tezzadp Posts: 442 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Natwest CC Daily payment £2.82 Total daily payments made this month £80.25

    Total of all Natwest CC payments, including weekly and monthly payments made this month £224.28 leaving a balance of £3620.70

    *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 £2757.31 - 30/07/25
  • Tezzadp
    Tezzadp Posts: 442 Forumite
    100 Posts Photogenic Name Dropper
    Spendless said:
    You are doing really well. Tackling the debt, building savings and have treated yourself too. 
    Thank you. I'm getting there slowly. Next month the debt WILL start with a 2  o:)
    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: 442 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Natwest CC Daily payment £2.83 Total daily payments made this month £83.08

    Total of all Natwest CC payments, including weekly and monthly payments made this month £227.11 leaving a balance of £3617.87

    *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 £2757.31 - 30/07/25
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