Hopefully debt free before Mortgage renewal in June 2026

Tezzadp

I have upgraded my phone as my old one was around 4 years old and the battery didnt last very long at all, so my new monthly bill will be £23.99 (with an Annual increase of £1.50 every April) instead of £10.50 so an increase of £13.49 (initially). I do try and keep them for as long as possible after the initial contract has expired and reduce my contract to sim only, to get as much use out of each phone i have before it does come to a point where i do have to get another one. I dont go for top of the range, but simply a newer phone that should last me a good few years and doesnt cost a fortune. 

Direct debits 

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 £837.69

Debt payments 

Natwest CC Weekly payment £33.00 (I pay an additional £1 every week until the debt is paid in full) Total weekly payments made this month £96.00

Natwest CC Daily payment £3.58 Total daily payments made this month £52.65

Total of all Natwest CC payments, including weekly and monthly payments made this month £175.80 leaving a balance of £2062.10

*This month refers to 29th August to 29th September (the day before pay day)

Tezzadp

This time next week the total debt figure WILL start with a 1   ..... Im getting there !! 

No money spent today
No direct debits today

Natwest CC Daily payment £3.59 Total daily payments made this month £56.24

Total of all Natwest CC payments, including weekly and monthly payments made this month £179.39 leaving a balance of £2058.51

*This month refers to 29th August to 29th September (the day before pay day)

doingitanyway

I felt amazing once my debt started with a 1
You are doing so well
Thanks for the inspirational quotes

Sarahwithlove

Not long to go until it starts with a 1, keep up the good work

Tezzadp

No money spent today
No direct debits today

Natwest CC Daily payment £3.60 Total daily payments made this month £59.84

Total of all Natwest CC payments, including weekly and monthly payments made this month £182.99 leaving a balance of £2054.91

*This month refers to 29th August to 29th September (the day before pay day)

Tezzadp

No money spent today

Direct debits

British Gas £50.00
Council Tax £134.00
Water Bill £26.45
Be Fibre £21.00

Debt payments 

Natwest CC Daily payment £3.61 Total daily payments made this month £63.45

Total of all Natwest CC payments, including weekly and monthly payments made this month £186.60 leaving a balance of £2051.30

*This month refers to 29th August to 29th September (the day before pay day)

Tezzadp

I havent done my usual Tuesday food shopping today, i will do it tomorrow instead. 

No money spent today
No direct debits today

Debt payments 

Natwest CC Daily payment £3.62 Total daily payments made this month £67.07

Total of all Natwest CC payments, including weekly and monthly payments made this month £190.22 leaving a balance of £2047.68

*This month refers to 29th August to 29th September (the day before pay day)

Tezzadp

Today marks exactly 100 days until Christmas day.... which means I WILL be debt free within 100 days from now 

(barring any major unforeseen events outside my emergency fund capabilities) 

Smudgeismydog

I’ve been reading your posts for a while, but not yet commented.

Just wanted to say how impressed I have been with your determination, you should be really proud of yourself. 

Tezzadp

Smudgeismydog said:

I’ve been reading your posts for a while, but not yet commented.

Just wanted to say how impressed I have been with your determination, you should be really proud of yourself. 

Thanks a lot. I am determined to get out of debt and my life back on track again. Posting on here has helped me a lot, hopefully it will continue to help me to complete my goal of becoming debt free by Xmas Day.