We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Hopefully debt free before Mortgage renewal in June 2026

1…8586889091…162

Comments

  • Spendless
    Spendless Posts: 25,239 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm  also excited for the update taking you to 3 figures buuuut what I've really got my chair pulled up for is Thursday next week's post - the day before Nov payday when we see your figures for your final month of the year. 
  • Tezzadp
    Tezzadp Posts: 1,216 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    edited 19 November 2025 at 9:24PM
    Im down to 3 figures now and less than £1,000  <3o:)B)  
    Thanks for all the support  <3

    I havent done my usual weekly food shop today, i will do it tomorrow instead. 

    No money spent today
    No direct debits today

    Natwest CC Daily payment £4.25 Total daily payments made this month £79.04

    Total of all Natwest CC payments, including weekly and monthly payments made this month £202.04 leaving a balance of £998.46

    *This month refers to 31st October to 27th November (the day before pay day)


    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Tezzadp
    Tezzadp Posts: 1,216 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
                             

    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Tezzadp
    Tezzadp Posts: 1,216 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    Whoops i have just found this in my saved images that i should had posted last month, oh well i will post it now instead  :D 

    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Pinkpieuni
    Pinkpieuni Posts: 259 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    edited 18 November 2025 at 10:13PM
    Well done, it's inspiring seeing how you are chipping off the the debt, kudos!👌. I will be taking a leaf out of your book.

    Challenges

    NSD - May - 1/10

    1. 2026 Mortgage-Free Wannabes #61 £19,133.06/£29,000, MF target June 2026, current mortgage balance - £9,500

    mortgage @ Jan 2025 - £75,600

    2. Loan  - Jan 2026 £1,029.22 - bal £0- fully paid 

    3.52 Week Envelope Saving Challenge #2  £106/£1,378 -( 1/52)

    4. EF - £1,292

  • satchmo1
    satchmo1 Posts: 3,552 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Woop woop to smashing that £1k barrier
    What would you get if all you got was what you were thankful for?
  • daisy_1571
    daisy_1571 Posts: 2,996 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Fabulous,  you are the living image of a lot of these inspirational messages 

    Dxxx
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing 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'
  • joedenise
    joedenise Posts: 18,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Nearly there now.  Well done.  You're so right that consistency pays off.
  • Cara_
    Cara_ Posts: 185 Forumite
    Third Anniversary 100 Posts
    Well done. You have made amazing progress and I'm looking forward to seeing you achieve your goal by Chrstmas day.
  • Tezzadp
    Tezzadp Posts: 1,216 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    Thank you everyone  <3
    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.6K Banking & Borrowing
  • 254.5K Reduce Debt & Boost Income
  • 455.5K Spending & Discounts
  • 247.5K Work, Benefits & Business
  • 604.4K Mortgages, Homes & Bills
  • 178.6K Life & Family
  • 261.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture