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Balancing the books

123468

Comments

  • lucielle
    lucielle Posts: 11,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Stick to your guns BC!

    L

    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • EssexHebridean
    EssexHebridean Posts: 26,268 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    They'd best understand that there is NO chance of any pixie dust for them!

    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Makingabobor2
    Makingabobor2 Posts: 4,823 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    You are doing so well with the money.

    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,104....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF  £290/3000


    Studies/surveys July £99.11

    Decluttering items 1400/
    2025.  353/2026
    Books read    23 in 2025.  2026- 16 (target is 52)  
    Jigsaws done  20 in 2025.  4 in 2026

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • PennysIntoPounds
    PennysIntoPounds Posts: 7,066 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Details every time of the squirreling please, I want to copy your achievements where possible! Well done you 👏

  • EssexHebridean
    EssexHebridean Posts: 26,268 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Brilliant progress!

    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Afdaff
    Afdaff Posts: 78 Forumite
    Tenth Anniversary 10 Posts Photogenic Name Dropper

    Excellent squirrelling!

    image1.jpeg
  • PennysIntoPounds
    PennysIntoPounds Posts: 7,066 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper

    Love the insight and how you use easy discipline to get a pot together 🍻

  • triple_choc_chip
    triple_choc_chip Posts: 1,151 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Xmas Saver!

    Hi Blackcats, thanks for explaining Pixiedust on INOD’s diary; it’s such a lovely way to spread joy. I shall have to adopt similar when retired. Do your recipients know how much the ‘pot’ holds and do they approach you for help with things? I fear I have one branch of the family - a niece and 3 great nieces, who would be forever expecting!

    Debt Free 🍾 since 6.8.13 £32k
    Saving for 🎄 🎁 2026 £631/£730 86%
    6 mth 🆘 fund £10k
    Mortgage offset fund £23.2k/£25.1k 92%
    It turns out the answer to my problems wasn’t at the bottom of this tub of ice-cream, 🍨 but the important thing is that I tried...
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