Hopefully debt free before Mortgage renewal in June 2026

Tezzadp

                                       

daisy_1571

Oooh another good one there tez, some of these really make me stop and think

Well done getting to the 15s

Dxx

Cara_

You're making fantastic progress.

1stTimer

I am always amazed at your determination! It’s really inspiring and really makes me more determined to get my goals achieved so thank you Tezza!

Spendless

I have to admit, having returned from a weeks hol a few days ago and not gone grocery shopping yet, we resorted last night to getting some chips.

Later I was reading your update out to my husband and said 'many times I think Ive wasted more  the same day than what the daily amount being paid back is' and my husband replied 'yes, weve just spent £6 on chips' (our chippy is both expensive and not worth it). 

You are certainly an inspiration on what chipping away with small amounts and having no spend days does. 

Tezzadp

No money spent today
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Natwest CC Daily payment £3.87 Total daily payments made this month £45.78

Total of all Natwest CC payments, including weekly and monthly payments made this month £143.78 leaving a balance of £1561.93

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

Tezzadp

                                  

Tezzadp

Spendless said:

I have to admit, having returned from a weeks hol a few days ago and not gone grocery shopping yet, we resorted last night to getting some chips.

Later I was reading your update out to my husband and said 'many times I think Ive wasted more  the same day than what the daily amount being paid back is' and my husband replied 'yes, weve just spent £6 on chips' (our chippy is both expensive and not worth it). 

You are certainly an inspiration on what chipping away with small amounts and having no spend days does. 

Firstly, i hope you enjoyed your holiday.

And secondly, yes i totally agree with you, i see things a lot differently to what i used to. I used to waste soo much money on things i don't actually NEED but things that i WANT, but these things are usually only short term WANTS that i only see the benefits of for a very short time. For example, i used to enjoy a chippy/kebab/takeaway, a few nights a week sometimes, but you only actually enjoy it for a very short time, ie while your eating it. And for what it is, it really is a WASTE of money. I now think of money as my time. How much time does it take me to earn that money that it costs to buy whatever i "want"? and is that actually worth it? So i used to enjoy a kebab meat and chips, which this these days comes in around £10 say. Is it really worth me spending nearly an hours wage (after tax) of my time just on 1 meal? which is also a third to a quarter of my WEEKLY shopping budget for one meal? The answer i think is NO its not. Although id love to, im not in a position to waste money that i cant justify spending.  Maybe once out of debt this could be a once monthly treat to myself.

Im forever trying to drum this into my daughter about WASTING money on things you WANT but dont actually  NEED. She is forever buying rubbish, Mcdonalds and other takeaways, small sized drinks from convenience shops, snacks and making trips, multiple times a day sometimes, to the shop for over priced rubbish to eat. Instead of buying things from the supermarket and making meals at home and making things last the whole week and not paying for convenience and laziness. Then moans that she hasnt got any money   

If you put all this money into a jar/savings account, over time it would add up to a very large amount, especially if you have a lot of disposable income that you spend on short term WANTS already. 

Tezzadp

Thanks for all the positive supportive posts everyone 

Tezzadp

No money spent today
No direct debits today

Natwest CC Daily payment £3.88 Total daily payments made this month £49.66

Total of all Natwest CC payments, including weekly and monthly payments made this month £147.66 leaving a balance of £1558.05

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