Debt Payoff Update | December 2024 | UK Family Debt Free Journey | Zero Based Budget

[@fullmooneve1651]

Great start to the debt pay off! Well done Natalie ❤️

[@kittyclear]

I snorted at Prints Charming. Good luck with your savings this year, wishing you the best x

[@ChallengeYourWalletAarynLynn]

I would name your printer hello and the reason I would name it that is because every time it comes on it’s kind of like trying to jump into the video and tell all of us hello, I’m here! Lol 2:28

[@vvallis]

I think you should call it Prints and the Revolution (in honour of your journey) but only people of a certain age will get that! Well done on this month's progress, we are all behind you and look forward to hearing how you are getting on ❤

[@jade4994]

Freddie Prints Junior 😅

[@jordanhewitt6227]

This 😂

[@theminimalistvegan8592]

Well done, the purple debt (#9) looks like you paid no interest? Is that right? You're doing so well, keep going, remember that making memories with the kids doesn't need to be expensive, my daughter is 13 and her favourite things to remember from when she was really little are the walks through the woods collecting stick and then using them to make things at home like pictures or indoor campfires (we added glitter and coloured paper) and ate popcorn round it. She also loved collecting pebbles from the beach and stringing them onto string to make decorations. Sometimes the free stuff is the best. I'd also say look out for the free stuff to do with kids that happens at local churches, children centres, community groups. If you're homeschooling big pickle there is a whole network of people doing the same so maybe they and look up homeschooling activities near you, meet ups and stuff. Xx

[@samantha__d]

Natalie, have you looked into if you'd be eligible for Universal Credit while your earnings are reduced? Best of luck with planning the next budget, I imagine it's going to be a tough one to do however please remember that you have a little community of people here cheering you on. And even if you end up struggling to make ends meet in the next budget it's worth still sharing the numbers as someone here may have ideas that can help. I know it must be hard to keep sharing, even on the hard months though. Crossing my fingers for you.

[@Beckys_Budget]

Well done for taking the first step to clearing your debt - first step is always the hardest! You have got this ❤ I can’t wait to see how you progress over the year x

[@samanthareeves5690]

I don't have any advice on how to reduce you debt faster, but I do want to say that's a massive chip off your debt so far. I don't understand how people can be cruel when your being so honest and transparent with your familys debt plan. I just want to say well done your doing amazing! ❤

[@JennStowe]

Great plan, I am sure you will figure it all out❤ Love your content! I hope you get more subscribers and that they will leave small comments and like your videos to push your content into the algorithm ❤

[@joannekearney5588]

Congratulations on reducing your debt so far, well done! ❤

[@crunchingwithcris]

You doing an amazing job no matter what anyone says. Super mom and you getting you mind in your goal 😊🥰

[@mollydiva]

I don’t have any advice, but I’m in the exact same boat as you!! We’re a family of 5 and I just had our youngest on 9th December. And we have a substantial amount of debt. I need some side hustle ideas to top up our income. Somehow we’ll make it through. I’m here watching your channel and hopefully there are enough other people watching so you can make enough so you don’t have to return to work too much earlier! ❤

[@Budgetwithbelle]

Great start, any month where your debt amount isn’t increasing is a success no matter how small it is while your on a lower wage xx

[@poundsandpenniesbudgets]

Well done! I think you are making amazing progress within the parameters of your current situation. It would be so easy at this time to bury your head and you are facing this all full on and very level headed - keep going! That time will pass and you will reach your goal xxx

[@CraftyBudgeting]

Great first full month and hope January is kind to you 🥰 Fab amount to have paid towards debt 🙌🙌

[@LesleyBudgets]

Great job ❤

[@BudgetWithBliss]

That’s a great amount chipped off this month! 💖

[@Grammisjourney]

Hello hun new sub here supporting and enjoying your video 🤗🥰

[@Dreamingbigbudgets]

I think Gabby is good always butt's in when you speak. Great start considering this month's focus was your emergency fund 🎉❤

[@kellyhayward1150]

Great start at decreasing your debt. As you say we are only human! I think you are doing a great job xx

[@karinatuck2421]

Well done on decreasing your debt and as you keep chipping away at them each month, the interest should go down as well as your minimum payments so that may help you overpay a little here and there when you can ❤

[@kirstensenior4542]

Thank you for sharing your debt overall. No need to apologise as you said you are only human. We all make mistakes in our lives and at least you are being honest about it. When it comes to family time, try and look for free events in your area so at least your boys can have a great time without it costing a fortune. Library is usually a good place. Wish you luck with reducing your debt. You got this. 👍💕💕

[@SuzyQBudgets]

Fantastic reducing your debt last month..acknowledging it is always the hardest part I think..fab video ❤xx

[@elizabethgarner3349]

A brilliant start, nearly 1.5% - that's HUGE, Natalie and Mr R. B. .... (we know it's a team effort, even if we never see him)! It's a long journey ahead, but you've done it before and you can do it again, just go steady with one foot in front of the other; I think you are incredibly wise to remind us, and yourselves, to be realistic, that it is unlikely to be a straight path, but as it's so important to stop and laugh and dance occasionally with those we love, the odd wobble is fine and only gives us the strength for more perseverance! Have a good week and hope you get some sleep!

[@tanyaleonard4934]

It’s going in the right direction, you cannot do more than that. Fab job xx

[@DeidresBudgetingJourney]

Sinking funds are a must to not add to debt. The debt is coming down which is awesome 👏 💕

[@samibuff1991]

Charity shops are great for clothing and clothing swaps! Often charities and church's or universities do clothing swaps where you can bring old clothes and exchange. Little pickle can wear big pickles clothing . Also going through your house and finding anything you can sell and put on eBay. Also credit unions are great for consolidation loans and doesn't affect your credit score! Often the amount is a lot less with less interest being below 7 percent compared to those cards. Also any way you can balance transfer to another card. The fee is so much less than the interest

[@lizzysmiles157]

Amazing start. Great video

[@thebubblystuffer]

Here watching. I agree sinking funds until you gave enough in place then focus on debt. 😊

[@TaheerahA]

Rudy as he's always rudely interrupting you 😄

[@KrystalsKash]

Whisper. You should call it, cause its always just gotta let out a lil noise so you know its there 😂😂 Sad that people can be unkind about it. Your debt in no way effects any of their lives. While its not the way i would tackle it i can totally understand your view point and still wanting to continue with life. Your children are only young once! Its amazing that you're so open and honest with your debt and the journey your on to clear it!

[@NanaSaves]

Pretty Polly the Printer likes to start talking when you film , came to mind 😂❤

[@katiejennings3793]

Would you have the option of a debt management plan of some kind? It feels very high compared to your income and you are right about the kids and life continuing!

[@mariajohnson6400]

❤ Wow you are doing great,we have all been there at least your not burying your head in the sand,and have made a good clear plan.Children remember spending time with mum and dad not necessarily holidays dont beat yourself up have adventures with them go on a bear hunt ,look for treasure have picnics,meet up with friends play rounders in the park all great memories.Good luck my friend i luck forward to following you.(Charlie P)

[@hmleffler2246]

What a great start 😊

[@mucky2hot]

Due to the fact that you're taking a reduction in pay, I strongly advise you research in discharging your debt obligations via sending negotiable instruments i.e bills of exchange, promissory notes etc to the creditors. Good luck

[@jordanhewitt6227]

Have you thought about a debt management plan? I’ve never used one my self but a friend of mine used one for around £25000 worth of debt. He pays about 80-100 a month and he went on a 5year plan so after 5 years they wipe the rest of the debt xx

[@adayfullofbudgets]

It’s a great start 💕

[@MC-hn5go]

Great start RB 👏 Patrick or Paddy the Printer😁xx

[@vmjjunk]

Congratulations on baby

[@glenglen9958]

I think part time work could be an option when the baby is a little older to up your income. Taking advantage of the free hours at nursery and working in between could really boost your income. Sadly I don’t think it’s a good financial decision not to return to work with such a large amount of debt and bills to pay. But once paid I am sure you could consider doing your business full time and not returning to mainstream work

[@VeronicaCummings-c9e]

Good luck god bless x

[@deborahbrown1242]

I reckon Beryl for the printer. Dunno why just first thing that came to my head 😂😂

[@karl_ambler]

That f😂😂king printer new name

[@karl_ambler]

Did you say on a other video they was. Some more debt you forgot or did I miss hear on top of 55000 or it may be 50 something budget iam get mixed up with could be worse she as 75000 started at 89000 plus

[@jennifer5495]

Bob the printer can he interrupt . Yes he can 🤭.

[@justinehenricks3653]

❤🎉

[@katwood2090]

Printhoff haha

[@HappyHomeBudgit]

Gabby she always starts to gab at inappropriate times 😂 💙🏡🩵🥰