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Turning Straw into Gold: Creating Long Term Security & A Solid Home
Comments
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Having a no spend day today, as I'm at work until late. I have brought lunch and some overnight oats, and will be drinking free water. I have just sent £47.25 to my student loan for a round number at the end of the month, then I put £20 into the EF and £10 into a little account I have for repairs. I am trying to get my overdraft paid off this month, so it's not too much extra I'm giving, just a bit to feel I did something.
Updated last day of the month… reducing debt and improving wealth…
Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)
Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)
Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)
Emergency Fund: starting at £5,511 (Jan 26) now at £2,620 (Oct 26)
Jan 27 Tax Fund: £2,750 / £3,298 (Oct)
Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)
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I'm having a no spend day too 😁 I'm cleaning the house at the moment (on a well deserved break right now) and will eat whatever I find in the fridge when I get hungry - fluids will be water, herbal teas and possibly some fizzy water with lemon.
I need to check my budgets later and make sure I know where I am 😉
'Happiness is not a destination but the journey you walk every day'
GC - October: £39.94/£350
Debt neutral fund - 3/45
'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 -
That all sounds organised and determined. I think just staying home and doing things around the house is very good for avoiding temptations. Someone at work was describing a weekend away they have been on and all the spending they did and I just couldn't imagine doing that now. I don't know how people still have so much disposable income that they can throw it around with such freedom. I am finding I am really turned off by excessive spending now.
Updated last day of the month… reducing debt and improving wealth…
Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)
Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)
Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)
Emergency Fund: starting at £5,511 (Jan 26) now at £2,620 (Oct 26)
Jan 27 Tax Fund: £2,750 / £3,298 (Oct)
Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)
2
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