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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 ย 02/01/26ย ย
Natwest2ย ย ย ย ย ย ยฃ6,509.97ย ย ย ย ยฃ5,500ย
NatWest CCย ย ย ยฃ7,612.74ย ย ย ย ยฃ6,605
Lloyds CCย ย ย ย ย ยฃ6,112.60ย ย ย ยฃ4,450
1st Direct CCย ย ย ยฃ176.03ย ย ย ย ย ยฃ39.26
CC totalย ย ย ย ย ย ย ยฃ20,411.34ย ย ยฃ16,594.26
TSB ODย ย ย ย ย ย ย ยฃ500ย ย ย ย ย ย ย ยฃ0
1st Direct ODย ย ย ยฃ600ย ย ย ย ย ย ย ย ยฃ0
Car loanย ย ย ย ย ย ย ยฃ4,000ย ย ย ย ย ย ยฃ4,000
1st Direct Loanย ยฃ10,684.44ย ย ยฃ7.880
Totalย ย ย ย ย ย ย ย ย ยฃ36,195.78ย ย ย ยฃ28,474.26
EF ยฃ701.52
HFย ยฃ3.042 -
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
2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (46/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)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 yearยMortgage (MFD 04/2053)ย (Jan 25) ยฃ238,983.71. Overpayment set to ยฃ200 per month. Current: ยฃ233,925.83
Debt Free: 6th November 2025!! ๐ฅณ
2025 goals:
24 / 25 books
6 / 24lbs lost
ยฃ1000 / ยฃ1000 EFย
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 2025 #2 I saved ยฃ14,660.97 of ยฃ6000 or 244.35% of my target. The 2026 Save ยฃ12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at ยฃ2880.99/ยฃ3000 or 96.03% of my annual spend so I am sticking with a ยฃ3000 annual budget for 2026
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 diaryยMortgage (MFD 04/2053)ย (Jan 25) ยฃ238,983.71. Overpayment set to ยฃ200 per month. Current: ยฃ233,925.83
Debt Free: 6th November 2025!! ๐ฅณ
2025 goals:
24 / 25 books
6 / 24lbs lost
ยฃ1000 / ยฃ1000 EFย
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)2
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