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Spendy Wendy to Saver Savvy
Comments
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Congratulations ๐ ๐ ๐ย
And just noticed you've changed your signature too! Woohooooooo!!!Debtsย ย ย ย ย ย ย ย 04/01/25ย ย ย ย 04/05/26ย ย
Natwest2ย ย ย ย ย ย ยฃ6,509.97ย ย ย ยฃ3,775
NatWest CCย ย ย ยฃ7,612.74ย ย ย ย ยฃ6,125
Lloyds CCย ย ย ย ย ยฃ6,112.60ย ย ย ยฃ3,897.12
1st Direct CCย ย ย ยฃ176.03ย ย ย ย ย ยฃ35.71
CC totalย ย ย ย ย ย ย ยฃ20,411.34ย ย ยฃ13,832.83
ODย ย ย ย ย ย ย ย ย ย ย ยฃ1100ย ย ย ย ย ย ยฃ0
Car loanย ย ย ย ย ย ย ยฃ4,000ย ย ย ย ย ยฃ3,400
1st Direct Loanย ยฃ10,684.44ย ย ยฃ6,745
Totalย ย ย ย ย ย ย ย ย ยฃ36,195.78ย ย ย ยฃ23,977.83
EF ยฃ1,800
HF ยฃ272.112 -
Amazing! Well done. Get celebratingย
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Fantastic news! I remember the feeling, as though a weight had fallen off.....even though I was happy to add to that weight through silly spending for decades! Living within your means & saving for things is life changing.
F
2026's challenges: 1) To rebuild our Emergency Fund to at least ยฃ5k.
2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!2 -
Congratulations on paying off your car loan.ย2
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Congratulations. ย It's brilliant living within your means but we've all been in debt at some time in our lives!
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Woo hoo!ย Congratulations!!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1
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Thank you all, Iโm so happy.ยSpoke to the company this afternoon and they have confirmed all paid and a letter has been sent in the post. Direct Debit cancelled! Over ยฃ400 a month better off, though will start a savings pot for a car (hoping it will be 5/6 years before we need to look) and also invest some of it from the new yearยDebt Free: 6th November 2025!! ๐ฅณ
Mortgage (MFD 04/2053)ย (Jan 25) ยฃ238,983.71. Overpayment set to ยฃ200 per month. Current: ยฃ232,212.93
2026 goals:
26 books (4)
26lbs lost (2)
ยฃ26k sinking funds & savings (ยฃ5.8k)
ยฃ2600 mortgage o/p (ยฃ600)
20,600 exercise and meditation minutes (3k)
2.6l water a dayย
2026 Top Cashback accrued: ยฃ6.46
Nectar: ยฃ118.08
Boots: ยฃ1.99
DFW Diary:ย Spendy Wendy to Saver Savvy โ MoneySavingExpert Forum3 -
This is such fantastic news for you. Well done. Really well done.ย ๐ ๐ ๐ ย ๐พ๐พ?๐ฅSave ยฃ12k in 2026 #2 I have banked ยฃ9004.48 so far, against a ยฃ10k target The 2026 Save ยฃ12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a ยฃ3000 annual budget for 2026 - currently ยฃ1111.79 and most of my May purchasing made
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
My keep within our budget diary is here2 -
Thank you @Suffolk_lass, thank you to you and everyone who has supported me through this year, the advice, pick-me-ups when Iโve been stressing and hints and tips on how to move forward. This site is amazing and Iโm not sure I would have stuck with it if I hadnโt been held accountable in this diaryยDebt Free: 6th November 2025!! ๐ฅณ
Mortgage (MFD 04/2053)ย (Jan 25) ยฃ238,983.71. Overpayment set to ยฃ200 per month. Current: ยฃ232,212.93
2026 goals:
26 books (4)
26lbs lost (2)
ยฃ26k sinking funds & savings (ยฃ5.8k)
ยฃ2600 mortgage o/p (ยฃ600)
20,600 exercise and meditation minutes (3k)
2.6l water a dayย
2026 Top Cashback accrued: ยฃ6.46
Nectar: ยฃ118.08
Boots: ยฃ1.99
DFW Diary:ย Spendy Wendy to Saver Savvy โ MoneySavingExpert Forum2 -
Just caught up with you and what fantastic news ๐ฅณ Well done!ยI get knocked down but I get up again (Chumbawamba, Tubthumping) -.literally have been run over by a bike, mobility scooter and a car - still here ๐ช2
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