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Hopefully debt free before Mortgage renewal in June 2026

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Comments

  • Tezzadp
    Tezzadp Posts: 459 Forumite
    100 Posts Photogenic Name Dropper
    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 
    Don't they go all soggy or feel wet/damp? i think it would be a little weird to freeze sandwiches? or is that just me? its something ive never done or even thought about doing before tbh. But it is one thing i hate doing is making sandwiches for work every day. I usually make them the night before for the next day and pop them in the fridge. I might try it at some point in the future. Thanks for the tip.
    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
  • dawnybabes
    dawnybabes Posts: 3,371 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    No they don’t go soggy, I don’t put salad stuff on them but pickles etc freeze and defrost ok.  We normally have sweetcorn chutney or mango chutney sort of stuff on them. 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Tezzadp
    Tezzadp Posts: 459 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Natwest CC Daily payment £3.03 Total daily payments made this month £58.70

    Total of all Natwest CC payments, including weekly and monthly payments made this month £168.38 leaving a balance of £3099.49

    *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
  • You’ve broken into another hundred, well done
    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.
  • Spendless
    Spendless Posts: 24,684 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Oh yes, now less than £100 to go before that figure starts with a 2.

    Re - frozen sandwiches, Id trial it by perhaps making 2 different ones, say one ham, one cheese. That way youll know if you like them, only like 1, or dislike them. I like and cant tell frozen items defrosted then eaten (reheated or not) with the exception of pork products, which then taste odd and off putting to me. Im sure it has to be a taste bud/sensory issue. Its frustrating cos I have to make sure everything in this category is used up fresh cos otherwise it has to be binned. No being able to freeze half the pack of sausages for me unfortunately. 

    Any plans for your week off? If not enjoy your garden (if you have one) hopefully the sun and time with the dog. 
  • Tezzadp
    Tezzadp Posts: 459 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today
    No direct debits today

    Natwest CC Daily payment £3.04 Total daily payments made this month £61.74

    Total of all Natwest CC payments, including weekly and monthly payments made this month £171.42 leaving a balance of £3096.45

    *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: 459 Forumite
    100 Posts Photogenic Name Dropper
    You’ve broken into another hundred, well done
    Thanks. Next is down to the next thousand which will be a bigger milestone and not very far away now either  B)
    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: 459 Forumite
    100 Posts Photogenic Name Dropper
    Spendless said:
     :D:D  
    Oh yes, now less than £100 to go before that figure starts with a 2.

    Re - frozen sandwiches, Id trial it by perhaps making 2 different ones, say one ham, one cheese. That way youll know if you like them, only like 1, or dislike them. I like and cant tell frozen items defrosted then eaten (reheated or not) with the exception of pork products, which then taste odd and off putting to me. Im sure it has to be a taste bud/sensory issue. Its frustrating cos I have to make sure everything in this category is used up fresh cos otherwise it has to be binned. No being able to freeze half the pack of sausages for me unfortunately. 

    Any plans for your week off? If not enjoy your garden (if you have one) hopefully the sun and time with the dog. 
    yes not far away now until im into the 2,000's.

    I will have to give them a try next week if i remember, as i wont have to do any this week as im off work. Yh i guess different things taste differently when they have been frozen. 

    Thanks. I dont have any plans for my week off tbh, im just going to enjoy not going to work and relaxing. Its been thundering today so thats a good start  :D  :D
    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: 459 Forumite
    100 Posts Photogenic Name Dropper
    No money spent today

    Direct debits

    EE monthly mobile phone bill £10.50

    Debt payments

    Natwest CC Daily payment £3.05 Total daily payments made this month £64.79

    Total of all Natwest CC payments, including weekly and monthly payments made this month £174.47 leaving a balance of £3093.40

    *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: 459 Forumite
    100 Posts Photogenic Name Dropper
    edited 22 July at 8:22PM
    No weekly food shop today, hopefully i can do this on Friday or there abouts this week. 

    No money spent today
    No direct debits today

    Debt payments

    Natwest CC Daily payment £3.06 Total daily payments made this month £67.85

    Total of all Natwest CC payments, including weekly and monthly payments made this month £177.53 leaving a balance of £3090.34

    *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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