Hopefully debt free before Mortgage renewal in June 2026

Tezzadp

Todays money spent

Petrol for the car to get to work £30.00

Weekly food shop today came in at £41.83 very slightly over my weekly budget that i like to stick to. But next week i am on annual leave from work so i have bought more stuff that isnt stuff id normally buy for sandwiches for work and also i have bought more this week so im hopeful that next week i can go a little later in the week as i believe what i have got this week should last me a bit longer and so it will save me money in total over the 2 week period.

Todays Direct debits

Council tax £134.00
Water Bill £26.45
British Gas £50.00

Natwest CC Daily payment £2.99 Total daily payments made this month £46.64

Total of all Natwest CC payments, including weekly and monthly payments made this month £131.32 leaving a balance of £3136.55

*This month refers to 30th June to 30th July (the day before pay day)

daisy_1571

One technique to stretch finances is to go shopping one day later each week.  It works for some people 

At the end if the day though some of these techniques don't actually save money, they change the day you pay it out but don't necessarily save money unless someone is in the habit of chucking food - then that extra day they might be eating food that previously they would have wasted - or it makes them think more about eking food out/buying more sensible choices etc.  I think you do well with your costs.

Dxxx

Tezzadp

Well tonight i made a lovely Spaghetti Bolognese and also made another large portion for my tea tomorrow after work. I also had enough left over to make 4 smaller portions that i have put in the freezer that i can have with chips or jacket potato or something at a later date 

No money spent today
No direct debits today

Natwest CC Daily payment £3.00 Total daily payments made this month £49.64

Total of all Natwest CC payments, including weekly and monthly payments made this month £134.32 leaving a balance of £3133.55

*This month refers to 30th June to 30th July (the day before pay day)

Tezzadp

Today marks 200 days of consecutive increasing daily payments in a row 

Tezzadp

daisy_1571 said:

One technique to stretch finances is to go shopping one day later each week.  It works for some people 

At the end if the day though some of these techniques don't actually save money, they change the day you pay it out but don't necessarily save money unless someone is in the habit of chucking food - then that extra day they might be eating food that previously they would have wasted - or it makes them think more about eking food out/buying more sensible choices etc.  I think you do well with your costs.

Dxxx

Thanks Daisy, I used to try doing this sometimes and i suppose it can work for some but i like my routine of going the same day each week. Im not a fan of going at the weekend when its busy. Also going a day later each week just makes you buy/go shopping for 8 days worth of food instead of 7. It may move the day you actually go each week but its still the same length of time each period between shops, just 1 day longer that way. It makes you think your  going longer each time because the day your going is different but its still the same length of time you went the week before lol. 

I think next week because im off work i will try and go on the friday in the daytime, as i dont need anything for sandwiches for work next week but i will need things for sandwiches the week after when i go back to work the following monday. I can proably last until the friday with the food i have in now, then the following week probably go back to my normal tuesday shop, although it will just be a small shop on the first Tuesday just to top up what i need. 

Thanks for the ideas and advice 

in_need_of_direction

Tezzadp said:

Today marks 200 days of consecutive increasing daily payments in a row 

Amazing achievement.

Tezzadp

@in_need_of_direction Thank you 

Tezzadp

No money spent today
No direct debits today

Natwest CC Daily payment £3.01 Total daily payments made this month £52.65

Total of all Natwest CC payments, including weekly and monthly payments made this month £137.33 leaving a balance of £3130.54

*This month refers to 30th June to 30th July (the day before pay day)

dawnybabes

I make the weeks sandwiches in one go and freeze them in individual packs, just grab out out of the freezer and it’s defrosted by lunch and the bread is still lovely and fresh (except I’m gluten free and it’s horrible even when fresh - but don’t let that stop you !) and saves time in a morning 

Tezzadp

No money spent today

Standing order for £40.00 for my weekly payment into my emergency/savings account. Total paid in this month is £120.00 Balance now stands at £558.02

Debt payments 

Natwest CC Weekly payment £25.00 (I pay an additional £1 every week until the debt is paid in full) Total weekly payments made this month £72.00

Natwest CC Daily payment £3.02 Total daily payments made this month £55.67

Total of all Natwest CC payments, including weekly and monthly payments made this month £165.35 leaving a balance of £3102.52

*This month refers to 30th June to 30th July (the day before pay day)