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Turning Straw into Gold: Creating Long Term Security & A Solid Home
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We will be in spreadsheet heaven. Today and tomorrow I am working from home in order to put the money saved in petrol towards the KFC I had today. Sometimes you just have to do that.
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 -£6,900 (Nov 26)
Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£8,900 (Nov 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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Me three 😊 As I’m off work, I’ve even done a budget breakdown on paper as well as my phone spreadsheet as I have quite a few pot shuffles to do. Love 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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TODAY'S THE DAY!!!! ❤️❤️ how are your spreadsheets and budgets looking? 😍
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 -£6,900 (Nov 26)
Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£8,900 (Nov 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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Unfinished! Haha.
I've paid of the spending cc in full ready for the next month. The rest of the money shuffle is going to wait till Monday when all the bills come out.
I could do some of it now, but I like to wait for the savings account interest to come in first so I can transfer exactly the amount for my round numbers obsession.
Going to have a quiet weekend in so I'm not tempted by the payday weekend splurge.
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £12,338
Laptop loan: £1,500 / £0
I eat far too much chocolate...1 -
@Chocolatefund, omg I do the same thing, where I add in enough to make it a round figure 🤣
I too am having a quiet weekend. If I want to splurge I will spend £5 on a TGTG from a slightly posher shop. I may allow myself a small treat if I see anything at the charity shop. Cheap joys!!!
Both of my loans have gone below the next thousand now, which is satisfying. I can't update the mortgage and overall figures for a few days as that hasn't updated on my account yet.
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 -£6,900 (Nov 26)
Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£8,900 (Nov 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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Money shuffle is done 🥳 such a nice feeling to have funds again. We’ve been out and done a pantry stock up too so I’m feeling very accomplished today!
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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