Hopefully debt free before Mortgage renewal in June 2026

Tezzadp

I have been out and done most of my Christmas shopping today with my sister. I still have a couple of things to get and i do need to get some more cash out to put into cards but i have got the majority of it done and out the way.... Thank god. The next thing i HATE doing is wrapping them all up.... at least its not that much to wrap 😂🎁

Spending today

£87.87 online shopping last night for gifts for Christmas
£75.27 spent today high street shopping at various stores for Christmas
£250.00 Cash withdrawal to give as gifts at Christmas
................
£413.14 Total

Savings/Emergency/one off spending Account update : 

The above spending (£413.14) has been withdrawn from my savings account to cover these costs. Savings/Emergency/one off spending account balance now stands at £502.77

Direct debits

E.On Electric bill £50.00
Car Tax £16.62
TV Licence £9.75
Mortgage £517.72

Debt payments

Natwest CC Monthly Direct debit £25.00

Natwest CC Daily payment £4.38 Total daily payments made this month £17.46

Total of all Natwest CC payments, including weekly and monthly payments made this month £86.46 leaving a balance of £490.30

*This month refers to 28th November to 25th December (Xmas day + DEBT FREE DAY !! ) 

Tezzadp

                   

Tezzadp

                     

Tezzadp

daisy_1571 said:

fabulous,  I knew you wouldn't need my little pep talk and you'd be all over it.  Sounds like it's just another area of your life you are recognising your own preferred way of doing, sorting it and getting it under control. 

Brilliant 

Dxx

Nope i gave myself a kick up the backside and have done most of it today, Thankfully 😊 Thank you for your little talk though, i definitely need it every now and then to keep me on the right track x 

Tezzadp

Spendless said:

Glad you asked your sister to help you. I reckon by tonight you'll have done all or most of it. I agree its easier if you have a smaller list. I used to buy for around 20. Now its a more manageable 8 (and that includes myself).

Btw - your signature still shows end of October's figures. 

Yes i have done the majority of it now, i just need a few more items and then its all done. Yep it certainly does help having less people to buy for, its a lot less stressful thats for sure. 

Thanks for that, i have updated my signature now 😁 x

daisy_1571

well done (now get that wrapping done tomorrow!! Heehee )

Spendless

How much do you hate wrapping because these exist.

https://www.amazon.co.uk/Christmas-Drawstring-Multipack-Wrapping-Assorted/dp/B0DK3PJLBC/ref=asc_df_B0DK3PJLBC?mcid=7b5b14217c513e59a71dee3a2d89cce0&hvocijid=6674778493039572264-B0DK3PJLBC-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=6674778493039572264&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9208923&hvtargid=pla-2281435176458&gad_source=1&th=1

(first ones I found might be cheaper elsewhere).

However if you already have wrapping paper left over from last year and own scissors and sellotape then that's the most cost effective way to wrap. 

Tezzadp

daisy_1571 said:

well done (now get that wrapping done tomorrow!! Heehee )

Haha nooo tomorrow is too soon to go thru the stress again so soon after Christmas shopping lol. Plus its my birthday so im allowed to avoid it today 😜x

Tezzadp

Spendless said:

How much do you hate wrapping because these exist.

https://www.amazon.co.uk/Christmas-Drawstring-Multipack-Wrapping-Assorted/dp/B0DK3PJLBC/ref=asc_df_B0DK3PJLBC?mcid=7b5b14217c513e59a71dee3a2d89cce0&hvocijid=6674778493039572264-B0DK3PJLBC-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=6674778493039572264&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9208923&hvtargid=pla-2281435176458&gad_source=1&th=1

(first ones I found might be cheaper elsewhere).

However if you already have wrapping paper left over from last year and own scissors and sellotape then that's the most cost effective way to wrap. 

Haha no i certainly wont be paying for those, im now very much careful about what i spend my money on thankfully. So something like that is not for me, i have years old wrapping paper that i keep using every year until its gone. And if it was up to me i wouldnt even wrap things at all lol but other people like their gifts wrapped, especially younger people so i will continue to wrap them, for now at least haha. Thanks for the suggestion though x

Tezzadp

Oh i forgot to post that the end of November was 11 months without any alcohol 😁🥳