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The Little Cottage by the Sea
Comments
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Well you can see from my diary I'm hardly the most stable so it might not completely pass!😂
I didn't mean anything by the wages comment, I just got registered and chartered 18 months ago after going back to uni at 40. People (family mostly) seem to think because I went to uni that means I'm loaded but the majority of my debt is related to studying. I also look 'financially dumb'. I do love my job though, so it's all worth it really.
Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.992 -
No offence over the wages. I know how ridiculously privileged I am in the grand scheme of things.
Unsecured debt at Worst June 2024 - £47,772.48Current unsecured debt Oct 2025 - £17,421.63Debt gone forever - 17 months - £30,350.85 (63%)Debt free date goal March 20272 -
And also you worked hard and made sacrifices to get to a place where that was possible!Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.992 -
Well done on your progress
Have read through from the beginning, and its been really thought provoking. Can see a few parallels in our situation, and seeing the progress you are making is giving me that extra bit of hope I need right now, as I am feeling a bit daunted by the road in front of me.
Good luck with the Marathon! I did a training race in Italy in November which was amazing, was preparing for a race in Jan but sadly broke my ankle so have had to drop out, hoping I will be running again in time for the London Marathon though.
Keep going, you are doing so well!Halifax CC - £2591.41 / £2591.41
Virgin CC - £6094.33 / £6094.33
Barclaycard CC - £7991.29 / £7991.29
Santander CC - £6233.91 / £6333.91
M&S CC - £3868.42 / £3868.42
Natwest CC - £723.43 / £723.43
Natwest CC - £4115.00 / £4115.00
£31,647.79 / £31,717.79 (99.7%) Since 14/12/2025
Emergency Fund : £553.22 / £60001
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