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2026: The Final Year
Comments
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Today's win - the first £1k has been paid off!
I'm so happy! I posted the Vinted parcels as well so, hopefully they will drop next week and I can pay off another £10 ish.
Crunchy x
Start Total 12/12/25 £6557
Current totals: HSBC £329 Virgin £940 Barclaycard £3026
Total: £4283
Paid off £2274 in total1 -
brilliant news
June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest1 -
ah thank you! Xx
Start Total 12/12/25 £6557
Current totals: HSBC £329 Virgin £940 Barclaycard £3026
Total: £4283
Paid off £2274 in total0 -
Well done on the £1k paid off 🎉
paydbx2026 #19 £3324/£6000 . Mortgage start £148k June 23 - now £133k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.171 -
Thank you!
Start Total 12/12/25 £6557
Current totals: HSBC £329 Virgin £940 Barclaycard £3026
Total: £4283
Paid off £2274 in total0 -
Today's win: I scraped together a vinted sale of £2 and some loose change in all the accounts to get £7 towards the debt.
So we have started working towards the next £1k.
Crunch
Start Total 12/12/25 £6557
Current totals: HSBC £329 Virgin £940 Barclaycard £3026
Total: £4283
Paid off £2274 in total1 -
Today's win: The husband and I had a top-level strategic money chat last night and decided to throw everything we can at the debt to get it paid off as soon as possible. At the moment it is being paid down just by extra money we make from selling things or interest, round downs or windfalls like council tax so this should be a bit of a game changer for us. I wonder how quickly we can pay off £5.5k of credit card debt!! Let's find out.
Crunch x
Start Total 12/12/25 £6557
Current totals: HSBC £329 Virgin £940 Barclaycard £3026
Total: £4283
Paid off £2274 in total1 -
You’re on a roll! I’m sure that £5.5k will come down quickly now you have both really set your minds to clearing it.
PBs £3050 (including £1k EF & £1k Christmas fund)
23/26 books for 2026Take the time to find the joy in each day
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I hope so, it’s a balance between other things that we need to do in the house and also holidays.
Im thinking of pausing paying into my private pension for the time being as I can always catch that up in the future.
Start Total 12/12/25 £6557
Current totals: HSBC £329 Virgin £940 Barclaycard £3026
Total: £4283
Paid off £2274 in total0 -
Today’s win: I have found a few bits this weekend to go on Vinted so shall aim to get them up today.
Crunch x
Start Total 12/12/25 £6557
Current totals: HSBC £329 Virgin £940 Barclaycard £3026
Total: £4283
Paid off £2274 in total0
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