Hopefully debt free before Mortgage renewal in June 2026

daisy_1571

Loving the pics still, keep 'em coming! 

Just a friendly thought, feel free to tuck it away till January..... its great you have savings/emergency fund to cover your car insurance for this year.  But for next year start saving a 10th of the expected cost away January to October,  earmarked 'car insurance'.   Its neither savings nor an emergency, just a predictable annual bill.

Keep up the good work, you are being very disciplined, will be interested to see what you think about your finances and goals once we get closer to 2026, some habits get ingrained 

Dxx

Tezzadp

I did my food shop today that came to just over budget at £40.98

Direct debits

Natwest CC Monthly direct debit payment £25.00

Debt payments

Natwest CC Daily payment £3.76 Total daily payments made this month £3.76

Total of all Natwest CC payments, including weekly and monthly payments made this month £28.76 leaving a balance of £1676.95

*This month refers to 30th September to 30th October (the day before pay day)

Tezzadp

Bonus pic for the end of the month 

Tezzadp

daisy_1571 said:

Loving the pics still, keep 'em coming! 

Just a friendly thought, feel free to tuck it away till January..... its great you have savings/emergency fund to cover your car insurance for this year.  But for next year start saving a 10th of the expected cost away January to October,  earmarked 'car insurance'.   Its neither savings nor an emergency, just a predictable annual bill.

Keep up the good work, you are being very disciplined, will be interested to see what you think about your finances and goals once we get closer to 2026, some habits get ingrained 

Dxx

Thanks for the tip. I use the Savings/emergency account for any bills that i know i have to pay but are just a one off during the year and not a regular monthly thing. As well as a pot for anything else that comes up during the year that i need money for. So you could say its a savings/emergency/annual bill/extra money for anything account really. 

Thank you, yes you are right it will be interesting, as i haven't even thought about it yet to be honest. But we will see what happens. 

Tezzadp

No money spent today

Direct debits

Mortgage £517.72
Tv Licence £15.00
Car Tax £16.62
Electric bill £50.00

Debt payments

Natwest CC Daily payment £3.77 Total daily payments made this month £7.53

Total of all Natwest CC payments, including weekly and monthly payments made this month £32.53 leaving a balance of £1673.18

*This month refers to 30th September to 30th October (the day before pay day)

Tezzadp

Autumn ...

Tezzadp

No money spent today
No direct debits today

Debt payments

Natwest CC Daily payment £3.78 Total daily payments made this month £11.31

Total of all Natwest CC payments, including weekly and monthly payments made this month £36.31 leaving a balance of £1669.40

*This month refers to 30th September to 30th October (the day before pay day)

Tezzadp

                                           

Tezzadp

No money spent today

Direct debits

Standing order for £40.00 for my weekly payment into my emergency/savings account. Total paid in this month is £40.00 Balance now stands at £811.38

Debt payments 

Natwest CC Weekly payment £36.00 (I pay an additional £1 every week until the debt is paid in full) Total weekly payments made this month £36.00

Natwest CC Daily payment £3.79 Total daily payments made this month £15.10

Total of all Natwest CC payments, including weekly and monthly payments made this month £76.10 leaving a balance of £1629.61

*This month refers to 30th September to 30th October (the day before pay day)

Tezzadp

83 days until Xmas day + Debt Free Day