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Let's get this sorted then!
Comments
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Ach, that's not a good feeling. You sound shattered, along with your crockery! When can you plausibly have a rest day of doing absolutely b*gger all other than basic animal and self care?
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Not this weekend Pip, I've got a hen do to go to. I'm not complaining too much, I haven't socialised for months, just slight bad timing when I could really do with a rest.
Maybe the following weekend. In the meantime I'll drink plenty of water, take my supplements, have some extra naps, and maybe do some mindfulness 😇 Because stupidly those are the first things to be forgotten when I'm busy, until my body gives me a warning.
Debts 04/01/25 01/10/26
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 -
I just went to take a homemade lasagne out of the freezer and there's none left. I'm devastated. That was my distraction to not get a takeaway. I'm going to have to think of something else just as nice quickly.
My new air fryer has arrived so it would be rude to not have chips.
1,480 -200 = 1,280 left to pay
Debts 04/01/25 01/10/26
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 -
People! I've done it! I've hit the halfway mark (kind of but close enough).
I started this diary with £36,195 of debt (not including student loan mortgage) and today that figure is.... Drum roll please....
£18,184!!
Debts 04/01/25 01/10/26
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 £2508 -
Yay well done you!
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.💪
2 -
Nice job! Well done!
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 / £12,338
Laptop loan: £1,500 / £0
I eat far too much chocolate...2 -
That is fantastic news, well done 🥳
Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
That’s a fantastic achievement 👏🏻
PBs £3050 (including £1k EF & £1k Christmas fund)
23/26 books for 2026Take the time to find the joy in each day
2 -
Amazing achievement. Well done, you should be proud of your progress
2 -
Celebrating with my favourite (on special offer in Sains) prosecco!
Things are far from easy, but I have a good job that I sometimes love, options to step back down to a job I love more once I don't need to sell my soul, qualifications, a house I love (despite the state of it and the neighbour), and pets and friends. I've travelled and I've lived abroad. If nothing else, right now I am egg rich! Teenage me (living in a bedsit on 'druggy hill' at 17) would not be able to believe everything I have today.
Cheers! 🥂
Debts 04/01/25 01/10/26
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 £2508
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