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Let's get this sorted then!
Comments
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I think it's a little bit wrong to be excited about the DDs coming out tomorrow 😂
Debts 04/01/25 01/09/26
CC1 £14,122.71 -
CC2 - £6,975
CC3 £6,112.60 £6,495
1st Direct CC £176.03 £151.44
CC total £20,411.34 £13,621.44
OD £1100 £0
Car loan £4,000 £2,400
1st Direct Loan £10,684.44 £3,825
Total £36,195.78 £19,846.44
EF £2,800
HF £3
EB £2500 -
I also look forward to the all bills coming out on the first. Bring on the great monthly money shuffle!
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £14,278
Laptop loan: £1,500 / £0
I eat far too much chocolate...2 -
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!!
Debts 04/01/25 01/09/26
CC1 £14,122.71 -
CC2 - £6,975
CC3 £6,112.60 £6,495
1st Direct CC £176.03 £151.44
CC total £20,411.34 £13,621.44
OD £1100 £0
Car loan £4,000 £2,400
1st Direct Loan £10,684.44 £3,825
Total £36,195.78 £19,846.44
EF £2,800
HF £3
EB £2503 -
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!
😍
Debts 04/01/25 01/09/26
CC1 £14,122.71 -
CC2 - £6,975
CC3 £6,112.60 £6,495
1st Direct CC £176.03 £151.44
CC total £20,411.34 £13,621.44
OD £1100 £0
Car loan £4,000 £2,400
1st Direct Loan £10,684.44 £3,825
Total £36,195.78 £19,846.44
EF £2,800
HF £3
EB £2504 -
😍 that 20k figure!!! Go you and yay to the cabin
0 -
Well done on booking the cabin, so glad you have organised thar break 😊 and super fab for under 20k what an inspiration ⭐️
Debt 13-1-25 - £39K!!!
Mortgage 13-1-25 - £63K
Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest0
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