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Let's get this sorted then!

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  • Sun_Addict
    Sun_Addict Posts: 26,332
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    That’s fantastic, well done 🥳 Is the plan to move to the job you love more once the debt is gone?

    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 💪
  • Rhyddid2026
    Rhyddid2026 Posts: 1,583
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    Yes @Sun_Addict unless I start loving this job. I'm a hands on person and only took a management job for the pay rise. I'm not sure I'll stay until all the debt is cleared. I'll still earn a decent wage when I step down, but the pay rise allowed me to pay off so much so quickly. I made sure I could keep some aspects of the old role to give me some work joy and now they're trying to sneakily take that from me. We shall see.

    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 £250
  • Rhyddid2026
    Rhyddid2026 Posts: 1,583
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    edited 17 October at 11:04AM

    Roof loan update -

    1,280 -100 = 1,180 left to pay.

    90% paid off, the loan was originally 12k.

    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 £250
  • jwil
    jwil Posts: 24,011
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    That's an amazing amount paid off!

    "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 McGee
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,553
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    Grinning here at your brilliant achievement, so happy for you 🥂

    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
  • Dakota_Rose
    Dakota_Rose Posts: 899
    500 Posts Name Dropper Photogenic
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    What a fabulous update. Enjoy every sip of that Prosecco!

    PBs £3050 (including £1k EF & £1k Christmas fund)
    23/26 books for 2026

    Take the time to find the joy in each day

  • Rhyddid2026
    Rhyddid2026 Posts: 1,583
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    I'm feeling rather delicate, but it was great to spend time with friends and be silly. Not much money spent, took a bottle with me (and decluttered some bottles from the pantry that I'm unlikely to drink), fuel getting there and back, and I bought breakfast at Greggs on the way home this morning.

    Today me is very grateful to yesterday me who cleaned the chooks out.

    My regular saver is heading towards empty now, but -

    1,180 -200 = 980 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 £250
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,553
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Forumite

    We all need a night of enjoying and being carefree every so often, glad you had a well deserved good time, and you still somehow made it mse! 🥂

    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,553
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Forumite

    Hope you got some grub and the meetings went well or preferably away

    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'aggressive safety shot' Ken Doherty
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