Let's get this sorted then!

Rhyddid2026

I think it's a little bit wrong to be excited about the DDs coming out tomorrow 😂

Chocolatefund

https://forums.moneysavingexpert.com/discussion/comment/82154456#Comment_82154456

I also look forward to the all bills coming out on the first. Bring on the great monthly money shuffle!

Rhyddid2026

I had 2 work issues last night that pushed me to my limit. So when I eventually got into bed I booked the cabin. It's gonna be another tight month but I should be able to do it if I'm careful.

In other news.... My roof loan was originally 12k, it was 10.7k when I started this journey. Today it is ........ £3,825!! I'm in the final third!!

Rhyddid2026

If I'm going to stay up late working, I might as well do my Friday finance check at midnight, right?

I have now made payments to a regular saver for a whole 12 months. That's the first time I've been able to save consistently for about 25 years. Well done me.

The CC's don't look like I've paid anything since last month, but that's because I did some balance transfers and the DD's are set up for the middle of the month. I'll change them to the start of the month soon.

The small balance on the food and fuel credit card is the deposit for the cabin, but I'll do some money shuffles to clear that over the weekend.

The headline is that my debt is now under 20k!!

Signature updated!

😍

FootyFanDan

😍 that 20k figure!!! Go you and yay to the cabin

Baldybear

Well done on booking the cabin, so glad you have organised thar break 😊 and super fab for under 20k what an inspiration ⭐️

Dakota_Rose

Congratulations on completing your regular saver. It feels like such an accomplishment when it matures and really is a sign of good financial management 😊

vampirotoothus

I think the cabin is a great reward for getting under 20K. You deserve it and well done. V x

Rhyddid2026

Thanks everyone!

I've had an exhausting week at work and I can see my brain trying to tell me I need rewards so I need to focus on that cabin and the book I'm going to take to read and the food I'm going to take to cook and nice things like that. Distract it before it convinces me I deserve an alpaca.

My regular saver hasn't matured yet but the interest is 7% and the loan interest is 8.9% so I'm going to start moving some of it over.

Yes, I know I probably should have paid that monthly amount off the loan instead but I needed to prove to myself that I could save. Sometimes the lesson is worth more than the number.

Sun_Addict

Lots to celebrate there: getting the debt below £20k 🥳 saving for 12 months 🥳 and booking the cabin 🥳

Well done!