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Hopefully debt free before Mortgage renewal in June 2026

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Comments

  • daisy_1571
    daisy_1571 Posts: 2,996 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sooo sorry I completely forgot its your birthday, happy birthday tezza,  have a good one and yes, you are excused wrapping...today!

    I honestly don't know anyone who doesn't have pile of the bags.  Everyone complains they breed in captivity,  no matter how many you use there always seems to be more 😆   they make wrapping so easy, shove parcel in, birthday tissue paper on top to hide the gift or a wee bit sellotape to close the top and you're done.  I might get rid of one bag to mum this year but then she's likely to give me my present in a bag plus a bag for mr d's present - net gain of one bag 😆 

    If you had to buy some of those (haven't checked what the link is but im meaning the cheapy 5 for a pound type bags) id count it as money well spent - its a job you hate doing, it stresses you therefore that's exactly where your money should be spent.  Money is simply a tool to help you in life.  If you hoard it away, see EVERY cost as a waste you are missing the point of saving on some things to spend wisely on others.  Wrap this year then buy some bags in the sales and you'll never have to wrap a present again in your life, thats got to be a pleasant thought.

    Dxx
    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'
  • satchmo1
    satchmo1 Posts: 3,551 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Happy birthday, have a *relaxing* day
    What would you get if all you got was what you were thankful for?
  • Spendless
    Spendless Posts: 25,239 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Happy birthday. 
  • Cara_
    Cara_ Posts: 185 Forumite
    Third Anniversary 100 Posts
    Happy birthday, I hope you had a good day.
    Congratulations on 11 months alcohol free
  • ellenvan
    ellenvan Posts: 367 Forumite
    Fourth Anniversary 100 Posts Name Dropper Photogenic
    Sending you Happy birthday wishes.
    Hope you have a lovely day.
  • Tezzadp
    Tezzadp Posts: 1,211 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    Today i spent £10.00 on a gift that my sister managed to find whilst she was out shopping that we couldnt find yesterday that we were looking for. So thats another one off the list. Just a couple more bits to go then it's all done. 

    So i have transferred the above £10.00 from the savings/emergency account, which now has a balance of £492.77

    No direct debits today

    Natwest CC Daily payment £4.39 Total daily payments made this month £21.85

    Total of all Natwest CC payments, including weekly and monthly payments made this month £90.85 leaving a balance of £485.91

    *This month refers to 28th November to 25th December (Xmas day + DEBT FREE 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: 1,211 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: 1,211 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: 1,211 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    No money spent today
    No direct debits today

    Natwest CC Daily payment £4.40 Total daily payments made this month £26.25

    Total of all Natwest CC payments, including weekly and monthly payments made this month £95.25 leaving a balance of £481.51

    *This month refers to 28th November to 25th December (Xmas day + DEBT FREE 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: 1,211 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_
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