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Let's get this sorted then!
Comments
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Wow, that is a lovely surprise and a great way to start the new month. You are doing really well with your debt reduction and this payrise will just give you a bit of a buffer which is very welcome atm with the way everything is going up.
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Congratulations!
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Congratulations on the pay rise!
Find a little bit of joy in every day.
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Brilliant news, well done
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael1 -
Thanks everyone ❤️
In other brilliant news, after an absolutely bonkers day in work (full moon anyone?) I decided to do my monthly totals to cheer myself up. I am gobsmacked.
In January '25 I owed about £36k, January '26 about £28,500. At the start of March I owed about £27k, and today I owed a little over £25k. I've paid over a grand off credit cards this month, and around 11k off my debts in total!
I know it's still a lot (and I haven't included my student loan or mortgage) but 25k feels totally different to 36k!
I have also saved a months worth of outgoings in my emergency fund (£1,750)
Time to change my signature!
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.768 -
That is absolutely corking, you should be very proud of yourself. Those are entirely different numbers in terms of what can be achieved, and how soon 🥂
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael2 -
Well done, you should be really proud of your efforts. The change in those figures is just insane.
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You've made amazing progress 🎉
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 is fantastic progress, well done!
Find a little bit of joy in every day.
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Well done, what a brilliant reduction. £25k certainly sounds a lot more do-able than £36k. Fantastic 👏
I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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