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Let's get this sorted then!
Comments
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Hurrah! More than you expected and the joy of not having to chase it definitely worth a little celebration 🥂
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty3 -
Unfortunately Pip I opened a half decent bottle of red wine when I had fully intended to have a cold IPA.
In other news, I spent an hour in my garden today (getting braver) and a bee landed on my shoulder for a bit. I'm taking that as a sign from mother nature that my garden is meant to be a haven for all and a place to rest. Or maybe I just smelled nice 😄
Boring weekly finances done. Trying not to be too hard on myself that most of my emergency buffer has been used. Only a few more days til payday!!
Debts 04/01/25 03/08/26
Natwest X2 £14,122.71 -
Barclaycard - £10,078
Lloyds CC £6,112.60 £3,595
1st Direct CC £176.03 £33.93
CC total £20,411.34 £13,706.93
OD £1100 £0
Car loan £4,000 £2,800
1st Direct Loan £10,684.44 £4,875
Total £36,195.78 £21,381.93
EF £2,550
HF £1002 -
I hope you bravely coped 😁 I'm very much enjoying a pinot noir from the fridge, feeling very Spanish with my chilled red wine
It is so lovely when nature and especially bees makes you feel like a trusted person, definitely a sign ❤️
Emergency buffer being used is fine, you'll put it back on payday so it has done its job, and give yourself a pat on the back for having it in the first place!
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Let's try for some positives. When I started tracking my debt payments (blue line) I was aiming for 500 a month paid off (orange line). It's been 18months and I'm now ahead of the goal by about 4k. I think I need to adjust that goal line because it's getting harder to keep them on the same graph. Great problem to have!
Debts 04/01/25 03/08/26
Natwest X2 £14,122.71 -
Barclaycard - £10,078
Lloyds CC £6,112.60 £3,595
1st Direct CC £176.03 £33.93
CC total £20,411.34 £13,706.93
OD £1100 £0
Car loan £4,000 £2,800
1st Direct Loan £10,684.44 £4,875
Total £36,195.78 £21,381.93
EF £2,550
HF £1007 -
Brilliant, great visual, well done 🥳
I 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 💪2 -
The visual is a great motivator. Well done 👏🏻
PBs £2050 (including £1k EF)
16/26 books for 2026Take the time to find the joy in each day
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I love the way you can use the visual to show just how well you have done. Amazing work
1 -
I love a spreadsheet and I love a graph!
Debts 04/01/25 03/08/26
Natwest X2 £14,122.71 -
Barclaycard - £10,078
Lloyds CC £6,112.60 £3,595
1st Direct CC £176.03 £33.93
CC total £20,411.34 £13,706.93
OD £1100 £0
Car loan £4,000 £2,800
1st Direct Loan £10,684.44 £4,875
Total £36,195.78 £21,381.93
EF £2,550
HF £1002 -
want.
really want.
DFW info LBM: March 26
Total 03/26 69,481
"You put one foot in front of the other and one day you look back and see that you have climbed a mountain" Ready for the climb.💪
1 -
You'll get there @ArtyJ931 !
I'm trying to reframe how boring the debt repayments are now. I know it's because I've spent the last 18months tinkering with the numbers and automating things as much as possible. I don't stress about things so much now and I don't constantly fiddle with amounts. So boring is good. None of my current debts will be paid off any time soon as they're all big amounts that I'm chipping away at. If I don't get my dopamine fix from spending it, and now I don't get my dopamine fix from paying it off, I'm going to need some new (cheap/free) hobbies!!
Debts 04/01/25 03/08/26
Natwest X2 £14,122.71 -
Barclaycard - £10,078
Lloyds CC £6,112.60 £3,595
1st Direct CC £176.03 £33.93
CC total £20,411.34 £13,706.93
OD £1100 £0
Car loan £4,000 £2,800
1st Direct Loan £10,684.44 £4,875
Total £36,195.78 £21,381.93
EF £2,550
HF £1002
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