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Becoming debt neutral - a long haul!!
Comments
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Transferred more into the fund today from a combination of sources so I've moved into the next 1k 🙌
£345.69/£1000'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
Nov GC: £167.40/£350
Dec GC: £0/£350
DNF: 2/45
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'2 -
£200 moved over today
£545.69/£1000'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
Nov GC: £167.40/£350
Dec GC: £0/£350
DNF: 2/45
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'1 -
Over 1/2 way well done 👍Save £12k in 2025 #32Make £2025 in 2025 #28
JAN- £695.23 FEB- £599.43 MAR- £709.42 APR- £1102.89 MAY- £776.76 JUNE - £966 JULY - £1104.84 AUGUST - £1183.03
SEPT- £3094.76 OCT- £1744.35 NOV- £1422.42Total 2025 - £13,398.59
1 -
Thanks @1stTimer 😁 I have many more 1k's to get to but it's definitely better for me breaking it down one at a time!
The pots I have (and the main account the bulk of the savings are in) pay interest on the 1st of the month so I have a few points within the month where I can increase the fund with decent amounts and in between those I put in a few pennies here and there from shopping 'rewards' on my grocery and petrol spends 😉
It's definitely going to take a very long time to get to where I have the full amount saved but as there's no real need to clear the debts (no interest on them and the house is paid off so there's more than enough to clear them once we've popped our clogs and still leave a decent amount for the kids/grandkids) it's more of a 'peace of mind' thing for me.
I have a savings level that I'm happy with at the moment and that is totally separate from this debt fund - obviously, if the poo hits the fan I'd have no qualms in using this debt neutral fund to bolster those savings so whatever happens its a win/win situation....
When I look back at how dire our situation was at one point, I'm incredibly grateful that we're in the position we're in now - we've worked hard to fix our finances and I have a totally different attitude towards money and debt than I had back then - I just wish the light bulb moment had occurred earlier! 🙄🤦♀️😂
Anyway, rewards money moved over today - not much but something is better than nothing! 😁
£546.59/£1000'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
Nov GC: £167.40/£350
Dec GC: £0/£350
DNF: 2/45
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'0 -
Paid in from interest on 'pots' & a bit from 'rewards' 😁
£646.92/£1000'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
Nov GC: £167.40/£350
Dec GC: £0/£350
DNF: 2/45
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'0 -
Decided to transfer the leftover grocery and petrol money from November today - we don't need anything else until Sunday so may as well get a couple of more days interest on it! 😉 I had a really good month grocery wise despite buying quite a few 'bulk buy' items and household stuff so a decent amount to transfer 😁 I'm very close to my third 1k now - this thread has really helped me keep my focus! 😁
£989.12/£1000'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
Nov GC: £167.40/£350
Dec GC: £0/£350
DNF: 2/45
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'2
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