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Balancing the books
Comments
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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 #1240 -
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 Calculatorshe/her0 -
Thanks for the support about the overseas rellies. It's messy but we are working through it steadily and taking expert advice when needed.
@EssexHebridean - Yes indeed the pixie dust isn't being sprinkled anywhere near them. Wicked witch spells are far more appropriate if I was that way inclined 😇
@ohdearhowdidthathappen - there certainly is a back story - families eh??? I've been reading about your recent bbq - words fail me.
Popping in to say that I've squirrelled together my next £200 ahead of schedule. Next aim is for £200 by 6th August. Current balance is £1,38 😂
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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-up0 -
Details every time of the squirreling please, I want to copy your achievements where possible! Well done you 👏
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
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 Calculatorshe/her0 -
thanks @Makingabobor2 and @EssexHebridean.
PIP - there's nothing clever about my £200 pot. However, I started it after reading The Wealth Habit where it explains about swopping bad habits for good habits. I use to browse vin ted most mornings and whilst I didn't buy something every day but I had a full list of favourites and of course the algorithm then shows you more and more things you might want. I swopped doing that for transferring a minimum of £1 a day from any of our accounts to the wealth habit pot. It's a habit that's stuck.
So, in July there will be a minimum of £31 daily contribution. Chase round up spending so although it's my money it feels like a nice amount at the end of the month - circa £15-£20. I get Chase rewards too. Then I add in my survey money which is usually about £20 and move the interest from the sant and der savings as they only pay interest on £4000. I also try to sell things or get MrBC onto bay of e. I'm waiting for £26 from V. This month I put £50 from my bank account switch. None of it is innovative but what I've learned is continual focus and effort gets me results.
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Love the insight and how you use easy discipline to get a pot together 🍻
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty0 -
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 £32kSaving for 🎄 🎁 2026 £631/£730 86%6 mth 🆘 fund £10kMortgage 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...0
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