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Hopefully debt free before Mortgage renewal in June 2026

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  • Tezzadp
    Tezzadp Posts: 455 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Natwest CC Daily payment £2.91 Total daily payments made this month £23.00

    Total of all Natwest CC payments, including weekly and monthly payments made this month £83.68 leaving a balance of £3184.19

    *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: 455 Forumite
    100 Posts Photogenic Name Dropper
    Food shopping day today. The total came to £46.05 but £14.18 was for just a few things for my nephew and brother in laws birthday at the weekend and next week. So my weekly food shop this week is £31.87 (£46.05 - £14.18) which is within my budget.

    The £14.18 i will take out of my savings as its a one off expense. I will also be putting £20 in a card for them both, which i have withdrawn from the cash machine today so i dont forget about it, so in total i will take £54.18 out of my savings for these one off birthday expenses.

    Natwest CC Daily payment £2.92 Total daily payments made this month £25.92

    Total of all Natwest CC payments, including weekly and monthly payments made this month £86.60 leaving a balance of £3181.27

    *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 £2757.31 - 30/07/25
  • Tezzadp
    Tezzadp Posts: 455 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Natwest CC Daily payment £2.93 Total daily payments made this month £28.85

    Total of all Natwest CC payments, including weekly and monthly payments made this month £89.53 leaving a balance of £3178.34

    *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: 455 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Natwest CC Daily payment £2.94 Total daily payments made this month £31.79

    Total of all Natwest CC payments, including weekly and monthly payments made this month £92.47 leaving a balance of £3175.40

    *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: 24,681 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Love the quote.

    Not long before that figure starts with a 2. Do you think that'll be this month or next?

    Btw did you realise your 'this month refers to .....'  you've got the wrong months down? Guessing youve copied and pasted wrong thing. Not that it really matters.

    Any plans with your new weekends free? 


  • Tezzadp
    Tezzadp Posts: 455 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 £80.00 Balance now stands at £518.02

    Debt payments 

    Natwest CC Weekly payment £24.00 (I pay an additional £1 every week until the debt is paid in full) Total weekly payments made this month £47.00

    Natwest CC Daily payment £2.95 Total daily payments made this month £34.74

    Total of all Natwest CC payments, including weekly and monthly payments made this month £119.42 leaving a balance of £3148.45

    *This month refers to 30th June to 30th July (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
    Spendless said:
    Love the quote.

    Not long before that figure starts with a 2. Do you think that'll be this month or next?

    Btw did you realise your 'this month refers to .....'  you've got the wrong months down? Guessing youve copied and pasted wrong thing. Not that it really matters.

    Any plans with your new weekends free? 


    Yes not long now until it starts with a 2. It will definitely be this month. my target for then end of this month is to get past the £2800 level if possible. 

    Ahh yes thanks for that, you are right it went wrong when last week i copied the previous weekly payments post which included the dates for the previous month. I then just change the figures to make them correct, but obviously forgot to change the date. It will be correct from now onwards.... im glad someone is paying attention  :D

    Errmmm not really any plans i just like the 2 days off, time to relax a bit. I do enjoy watching my football so when the season starts again i will be able to watch that in peace without having to worry about work. Even be able to enjoy a nice cold beer aswell in another 6 months when ive done my 12 months and im hopefully debt free  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: 455 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Natwest CC Daily payment £2.96 Total daily payments made this month £37.70

    Total of all Natwest CC payments, including weekly and monthly payments made this month £122.38 leaving a balance of £3145.49

    *This month refers to 30th June to 30th July (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

    Natwest CC Daily payment £2.97 Total daily payments made this month £40.67

    Total of all Natwest CC payments, including weekly and monthly payments made this month £125.35 leaving a balance of £3142.52

    *This month refers to 30th June to 30th July (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

    Direct Debits

    Be Fibre monthly internet bill £21.00

    Natwest CC Daily payment £2.98 Total daily payments made this month £43.65

    Total of all Natwest CC payments, including weekly and monthly payments made this month £128.33 leaving a balance of £3139.54

    *This month refers to 30th June to 30th July (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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