Spendy Wendy to Saver Savvy

foxgloves

@Spendywendywoo - It's the psychology of it as much as anything, I think. Once you've been struck by the light that debt is a one-way ticket to financial insecurity, esp if you've been spendy for a long time, as we were, you really do just want it gone & to embrace a fresh clean slate.
I can really relate to that.
F

janb5

Spendywendywoo said:

Thanks @Suffolk_lass, I've had a long thought about it these last few days and I'll just be relieved to pay it off and have no debt (other than mortgage). I guess I could apply for a 0% card if any large unexpected bills come my way but I do have, and will still have a car maintenance EF (£300), home maintenance EF (£300), Christmas pot (£900) and EF (£1000) in the pot so not without any extra money at all. I have the car service and MOT next month but I've already got the monies for that saved too, again unless there are any major repairs needed, in which case I will dip into the car maintenance EF for the time being. I think I'm comfortable with the spend, I guess I'm kicking myself for having the debt in the first place, but we live and learn and I'm lucky to be in the position I am

Just wondering whether the Christmas budget needs to be so high @ £900?