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Hopefully debt free before Mortgage renewal in June 2026
Comments
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sorry, been reading and running, fabulous that you got your car sorted out and for not much money!
Dxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ 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 -
Good news about the car being a quick fix. Hopefully it passes its MOT ok*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
It’s always cars isn’t it?
*shudders at car cost ptsd*The financial wealth building journey.
Busting this debt before 40. Started in August 2024 with debt = £19,966. August 1st 2025 debt = £0 and busted!
Debt free dairy https://forums.moneysavingexpert.com/discussion/6547320/busting-this-debt-before-40/p1
Savings goals by 31st December 2025;
Emergency Fund: £3,445 / £4000
SIPP: £3,932 / £4000
S&S ISA: £637 / £1000
“Save me now and I’ll save you later” - Your money
I eat far too much chocolate...1 -
No money spent today
No direct debits today
Natwest CC Daily payment £3.18 Total daily payments made this month £12.66
Total of all Natwest CC payments, including weekly and monthly payments made this month £39.66 leaving a balance of £2717.65*This month refers to 31st July to 28th August (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 - 30/07/252 -
No money spent today
No direct debits today
Natwest CC Daily payment £3.19 Total daily payments made this month £15.85
Total of all Natwest CC payments, including weekly and monthly payments made this month £42.85 leaving a balance of £2714.46*This month refers to 31st July to 28th August (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 - 30/07/252 -
Weekly food shop today, £41.70 spent, which is very slightly over my weekly budget that i set myself, but i did go longer between shops this week so im not too bothered about that this week.
No direct debits today
Natwest CC Daily payment £3.20 Total daily payments made this month £19.05
Total of all Natwest CC payments, including weekly and monthly payments made this month £46.05 leaving a balance of £2711.26*This month refers to 31st July to 28th August (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 - 30/07/254 -
No money spent today
No direct debits today
Natwest CC Daily payment £3.21 Total daily payments made this month £22.26
Total of all Natwest CC payments, including weekly and monthly payments made this month £49.26 leaving a balance of £2708.05*This month refers to 31st July to 28th August (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 - 30/07/252 -
No money spent today
No direct debits today
Natwest CC Daily payment £3.22 Total daily payments made this month £25.48
Total of all Natwest CC payments, including weekly and monthly payments made this month £52.48 leaving a balance of £2704.83*This month refers to 31st July to 28th August (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 - 30/07/252 -
No money spend 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 £618.02
Debt payments
Natwest CC Weekly payment £28.00 (I pay an additional £1 every week until the debt is paid in full) Total weekly payments made this month £55.00
Natwest CC Daily payment £3.23 Total daily payments made this month £28.71
Total of all Natwest CC payments, including weekly and monthly payments made this month £83.71 leaving a balance of £2673.60*This month refers to 31st July to 28th August (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 - 30/07/253 -
No money spent today
No direct debits today
Natwest CC Daily payment £3.24 Total daily payments made this month £31.95
Total of all Natwest CC payments, including weekly and monthly payments made this month £86.95 leaving a balance of £2670.36*This month refers to 31st July to 28th August (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 - 30/07/252
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