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So my clearscore report got updated yesterday and my score has gone up and my loans 2 go loan of £3000 has been removed!!! Bye bye default forever! Now to wait for MSE to update and remove it. My big Lendable loan is still on MSE also, Lowell aren't responding to Lendable about the Ombudsman decision so more waiting. Lendable have removed their sold account from my record though 😁 From August onwards my reports should really start improving. Maybe look at shared ownership next year. #defaults #debtrepayments, #debtjourney
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✨Where my money went in April✨ Trying a new format for this month that is less complicated. I prefer to keep my expenses around 30k / month - but April went awry with an unplanned trip to Thailand & various other discretionary expenses (dating 😘). But overall it was still a really successful month as I paid out my Australian personal loan - with the use of some cash I had saved!! So grateful that I have the means now to have a spontaneous travel week like that?! A real “pinch myself” moment that made me feel so grateful for the life I’ve been building. Hoping that May will be a lower month for expenses but realistically they may not be due to planned spending on self-care that arises every 3 to 6 months, my child’s birthday & I really need to book accomodation for our summer trip (flights are already booked). It’s really important to me to balance making forward steps with my finances while also living life - otherwise I lose motivation from self-imposed budget constraints. *FX conversions as of today: ✨Income: USD 14,700 / AUD 22,700 ✨Expenses: USD 10,700 / AUD 16,500 ✨Debt repayments: USD 4,615 / AUD 7,100 ✨Investments: USD 460 / AUD 710 How was April for you financially? ✨J. #soleparentwealth #budget #income #expenses #debtrepayments #investments #progresstoFI #journeytoFI #allprogressisgoodprogress #financialsecurity #financialindependence #retireearly #financialindependenceretireearly
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So ... we ve been successful with gtg Finance to go ahead with a new kitchen! The finance is In my husbands name, although I will be paying half the finance amount per month, so in a sense its still a new debt for me, but its a very necessary debt as our kitchen is falling apart (it's the original kitchen from the 1970's house we bought 2 years ago) my husband has taken a little bit extra finance to consolidate his car loan so technically I'll be paying towards his car now but I sold mine when I got pregnant as we both work from home so I guess that's fair! I'm excited that the dream kitchen is now ahead of me, as a couple of posts ago... I thought that dream was dead in the water. I was very much calculating up my budget and thankfully after an increase in salary I can input. As a mum to a toddler, the idea of having a safer kitchen with adequate storage is so important to me! So this is a positive thing! We can also make additional payments to this finance so intend to do that as and when we can *altho I already do snowball payments to my debts) Exciting times #debtcommunityupdate #debtfreeby45 #debtfreecommunity #debtrepayments #newkitvhen
Paying off debt: The Snowball Method Coined by Dave Ramsey (one of my money heroes), this process of paying off debt is one of the most popular. Why? Because it feeds into our human need for fast gratification. By starting with your smallest debt and paying it off, you get that first dopamine hit. Then when you compound your payments into your next debt, which accelerates being able to pay it off. BOOM, another dopamine hit. By playing into the natural human psychology of desire, we can achieve faster results in paying down our debts. #budgethacks #smartspending #moneygram #personalfinances #ausmoney #moneyhacks #managemoney #planyourmoney #budget #moneymanagement #moneyplanning #moneymindset #money #budgetplan #financialfreedom #moneymanagementtips #financialindependence #moneymatters #budgetingtips #financialplanning #debtrepayments #debtrepaymentstrategy #snowballmethod #debtsnowball #styleyourmoney
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PARTNERS•DEBT•UPDATE Last month we were in the £14k’s.. this month we’ve moved down two brackets and into the £12k’s!🙌🏽 The money lent from family has been repaid & my OH contacted very to complain again about interest being paid upon interest and they cleared £899 from his account which is great news. Almost £4.5K of my partners debt has now been cleared it’s been a slow but steady start as that’s taken over a year to get this far but let’s see where the next few months take us #debtrepayments #debtjourney #debtsnowball #moredebtcleared #slowmotion #debtfreeukcommunity #debtfreeuk #debtfreegoals #debt #debtpage #finstagram #debtstagram #menindebt #couplesindebt #debtfreegoals #debtfreejourney #debtfreeliving #moneygram #repayingdebts #sunday #sundaymotivation
Pakistan's forex reserves decline by US$74 million due to external debt repayments, total reserves at US$13.28 billion. 💵 . . . #ForexReserves #DebtRepayments #EconomicUpdate #OyeTalk #Oyetalkapp
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Read that again 👏🏼 If you’ve got debt, changes need to be made. Keeping the same lifestyle will only keep you in the same position or, eventually worse. Looking to manage your debts? Shop our Budget Diary 2.0 online today 🔥 . . . #moneysavings #cashstuffing #moneychallenges #savemoney #buildyoursavings #savings #savingmoney #money #budgetingforbeginners #aussiemums #smallbusinessaustralia #moneysavvy #budgetdiaries #debt #debtrepayments
In the midst of Pakistan's politically charged climate, actress Sajal Aly and Nobel laureate Malala Yousafzai have made their voices heard, offering poignant reflections on the unfolding electoral saga. Sajal Aly, through her Instagram Stories, noted the dynamic shifts since the elections began, highlighting the country's collective concern for its future. Sharing the powerful lyrics of Shehzad Roy's "Laga Reh", she commended the singer's prescient observations about Pakistan's political landscape. Despite the turmoil, Aly found solace in the nation's unified resolve to champion its democratic ideals. Meanwhile, Malala Yousafzai, a prominent activist, took to X to advocate for free and fair elections, stressing the importance of transparency and respect for the electoral process. She urged all stakeholders to accept the voters' decisions gracefully, emphasizing democracy and prosperity for Pakistan's citizens. As the electoral drama unfolds, both domestic and international audiences await the outcome with anticipation. The voices of Sajal Aly and Malala Yousafzai serve as beacons of hope and accountability in navigating Pakistan's democratic journey. #PakistanElections #SajalAly #MalalaYousafzai #PoliticalInsights #Democracy #Transparency #SocialMedia #CivicEngagement #ElectionOutcome #VoiceOfThePeople #Influence #Activism #NobleLaureate #Instagram #ShehzadRoy #ElectionTurmoil #PoliticalReflections #PakistaniPolitics #Actress #YouthActivism #ElectoralProcess #InfluentialFigures #PublicOpinion #SocialImpact
We had a little left from our holiday fund so put that straight onto our purple visa. Goal is to get this paid by May. We got this 🙌 . . #visapayment #purplevisa #debtrepayments #debtfreejourney #debtfreemindset #debtshredding #debtfreegoals #debtfreediaries #smashinggoals
Pakistan's foreign reserves face depletion primarily due to substantial debt repayments, totaling USD 25.9 billion in FY24 and USD 30.6 billion in FY25. In FY24, the country grapples with a USD 24.5 billion external debt servicing obligation, encompassing USD 3.5 billion in interest payments and slightly over USD 21 billion in principal repayments. Despite challenges, initiating the IMF's 9-month Stand-By Arrangement program and inflows from bilateral sources contributed to a modest improvement in reserves. The nation's ability to secure additional funding for reconstruction efforts from key agencies, including the World Bank, IMF, and ADB, will shape economic recovery in FY24E and FY25F. Although foreign investment, a key player, contributes a humble amount. Data visualization by @brandnib #EmpoweringPakistanWithData #news #economy #economicdata #Pakistan #FDI #debtrepayments
*December uplift* I am fully aware I am fortunate to have received a substantial pay uplift in my December salary. The current state of the UK, cost of living crisis, etc, has impacted us all, and so I was very grateful to know it was due this month. Whilst this uplift enabled me to purchase some small gifts for the family birthdays that fall around Christmas and a few Christmas gifts... there were certain things I wanted to put the money towards - we purchased new sofas (we ve been using a secondhand gross 2 seater for 3 years and desperately needed new ones) we paid a deposit mid December and selected to pay the balance via klarna as we wanted to pay in 3 however upon purchase pay in 3 wasn't available so we had to select pay in 30 days and I knew a sizable chunk was now earmarked for the furniture - my husband and I don't tend to go out socialising, we don't drink etc and prefer chilling in the house with baby and dog, and as the sofas were our Christmas gift to each other, I decided to purchase a Nintendo Switch bundle, its something we can use when baby is asleep and also something he ll play when he gets older. Im aware this was a 'Want' rather than a NEED, but this was my biggest gift to myself in a sense and something I wouldn't be able to afford or justify otherwise - I paid off the balance of my barclaycard and closed the account - I put £250 into a monzo savings pot for emergencies - I reduced my £600 bank overdraft down to £550, small reduction, but I hope to do this every month to clear it. I intend to cash stuff for January as normal, so hopefully, it will be a fresh start Merry Christmas, everyone! #journeytodebtfreedom #journeytodebtfree #saving #debtrepayments #debtfreeby45 #budgetingmama #budgetingjourney #cashstuffing
State Bank (SBP) of Pakistan’s foreign exchange reserves rose by $77 million to $7.26 billion in the week ending November 24, 2023, according to data released on Thursday. The country’s overall liquid foreign reserves stand at $12.39 billion, with commercial banks holding $5.13 billion in net foreign reserves. This increase in SBP’s reserves is attributed to factors such as IMF’s $1.2 billion tranche. Inflows from Saudi Arabia and the UAE. Despite these positive trends, SBP faces challenges from debt repayments, heightened import payments, and a need for sustained inflows. In a significant development. The IMF recently announced that a staff-level agreement had been reached with Pakistani authorities regarding the first review of the SBA. #SBPReserves #ForeignExchange #PakistanEconomy #IMFTranche #EconomicIndicators #ReserveIncrease #ForeignReserves #DebtRepayments #ImportPayments #EconomicChallenges #IMFAgreement #EconomicDevelopments #EconomicNews #FinancialData #EconomicOutlook #IMFSBA #FinancialInflows
Pakistan’s total liquid foreign exchange reserves declined by $79 million in the past week, primarily due to external debt repayments. For more, head over to the link in bio or visit thecurrent.pk #TheCurrent #DebtRepayments #ForexReserves #SBP
Our debt payoff is looking robust this year. With the student loan forgiveness of $89k, we are making an impact of $111k into our wealth. It is a whole journey to building wealth. We have a long way to go but the next great goal is to pay off the Auto Loan and the first Rental Mortgage by 2027. Like I said, it takes time. #debtpayment #debtrepayments #debtfreedom #debtfree #debtmanagement #moneymanagement #financialliteracy
Emirates Group's financial report for the first half of the 2023-24 fiscal year unfolds a compelling success narrative. With a net profit soaring to Dh10.1 billion, marking a remarkable 138 percent increase from the previous year, and an EBITDA of Dh20.6 billion, the group showcases robust operational profitability. This triumph is fueled by a substantial 20 percent rise in group revenue, hitting Dh67.3 billion, driven by the heightened global demand for air transport post-pandemic travel restrictions. Maintaining a solid cash position of Dh42.7 billion as of September 30, 2023, the group adeptly utilized its reserves to meet business requirements, including significant debt repayments. Emirates' financial resilience is evident in settling Dh9.2 billion of its Covid-19-related loans. Moreover, disbursing a Dh4.5 billion dividend to its owner underscores the group's financial strength and strategic fiscal management. Overall, the Emirates Group's first-half performance mirrors adaptability to changing market conditions and effective resource utilization, solidifying its position as a leader in the aviation industry. For more:https://infokidunya.com/ #EmiratesGroup #FinancialSuccess #BusinessTriumph #OperationalProfitability #FinancialReport #GlobalDemand #AirTransportBoom #NetProfitSurge #RevenueGrowth #FiscalPerformance #FinancialResilience #CashPosition #DebtRepayments #Covid19LoansSettlement #DividendDistribution #AviationIndustryLeader #StrategicManagement #MarketAdaptability #BusinessSuccessStory #EconomicResilience #EmiratesPerformance #FinancialHighlights
The State Bank of Pakistan (SBP) witnessed a notable decline in its foreign exchange reserves, with a weekly reduction of $220 million, bringing the total to $7.5 billion as of October 20th, according to the data released on Thursday. For more, head over to the link in bio or visit thecurrent.pk #TheCurrent #SBP #ForexReserves #DebtRepayments
Pakistan's State Bank reported a $31 million weekly increase in foreign exchange reserves, totaling $7.64 billion as of October 6. The country's total liquid foreign reserves reached $13.03 billion, with commercial banks holding $5.39 billion. This increase follows prior declines and significant inflows from sources like the IMF, Saudi Arabia, and the UAE, but ongoing challenges, including debt repayments and import costs, continue to affect reserves. #PakistanEconomy #ForexReserves #SBP #EconomicRecovery #FinancialStability #InternationalInflows #IMFSupport #ReserveManagement #EconomicChallenges #ExchangeRate #FinancialNews #ImportPayments #DebtRepayments #EconomicIndicators #SBPReport #EconomicGrowth #FinancialInflows #FinancialHealth #ReserveTrends #EconomicOutlook
Pakistan’s foreign exchange reserves drop to $13.18 bn, lowest level since 2014 #FXReserves #Pakistan #EconomicCrisis #BreakingNews Pakistan’s foreign exchange reserves have fallen to their lowest level since 2014, according to data released by the State Bank of Pakistan (SBP) on Thursday. The SBP’s reserves fell by $1.29 billion to $13.18 billion in the week ending September 21, 2023. This is the lowest level of reserves since February 2014. The decline in reserves is due to a number of factors, including a widening trade deficit, a decline in remittances from overseas Pakistanis, and debt repayments. The government has taken a number of measures to try to stem the decline in reserves, such as raising interest rates and imposing curbs on imports. However, these measures have not yet had a significant impact. The low level of reserves is a major concern for Pakistan, as it could make it difficult for the country to import essential goods and services. It could also lead to a further devaluation of the Pakistani rupee. #FXReserves #Pakistan #EconomicCrisis #BreakingNews #Economy #ForeignExchange #Reserves #TradeDeficit #Remittances #DebtRepayments #InterestRates #ImportRestrictions #RupeeDevaluation #EconomicChallenges #FinancialStability #PakistanGovernment #PolicyMeasures #EconomicRecovery
The State Bank of Pakistan (SBP) Governor, Jameel Ahmad, has revealed that Pakistan has a significant financial challenge ahead, with $8 billion in net debt repayments for the remainder of the fiscal year FY24. This is part of the country's total external financing requirement of $24.6 billion, which includes interest payments and principal repayments. While some commitments and rollovers have been secured, Ahmad emphasized the importance of meeting performance criteria set by the International Monetary Fund (IMF) to navigate these financial challenges successfully. Additionally, the governor discussed the current account deficit (CAD) target and recent developments in Pakistan's financial markets. #BroadcastRepublic #PakistanEconomy #DebtRepayments #SBPGovernor #FinancialChallenges #ExternalFinancing #IMFTargets #CurrentAccountDeficit #EconomicOutlook #PolicyRates #FinancialMarkets #FiscalYear24 🌐 Read More: Broadcastrepublic.com
The State Bank of Pakistan (SBP) revealed that its foreign exchange reserves decreased by $125 million within a week, now totaling $7.93 billion as of August 18. This is part of the country's overall liquid foreign reserves of $13.25 billion. Commercial banks in Pakistan also hold $5.32 billion in net foreign reserves. This drop in reserves is due to debt repayments. Specifically, during the week ending August 18, 2023, the SBP's reserves went down by $125 million, reaching $7,930.3 million due to these debt payments. For more, head over to the link in bio or visit thecurrent.pk #TheCurrent #PakistanFinance #ForexReserves #DebtRepayments #FinancialUpdates #CentralBank #CurrentAccountDeficit #IMFLoan #RupeeDepreciation
🎉Lum Sum Paid in the last week. $2k. So bloody stoked of where we are at . After tonights weekly payment it will be $1540 . The end is near !!! We have put so much hard work into making sure we make lump sums and when we get like bonuses or extra cash we want to spend it. Its so hard but we persevering and we nearly there. 1 month to go . . . #debtrepayments #debtshredding #debtfreemindset #debtfreegoals #debtfreelifestyle #personalloan #nearlythere #lumpsum #payingoffdebt #budgeting #budgetmum #smashinggoals
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✨Repaying my Australian Student Loans✨ Living in Sydney, it would have taken me approximately 12-15 years to pay back my student loans and it was largely not something I was even thinking about adding extra money to. But with the rapidly increased inflation rates over recent years it is now something I definitely think about because I can see the balance increasing instead of decreasing. I’ve decided to continue to keep my repayments at the minimum for now because I’d prefer to invest my money. However, should inflation continue to rise like it has for the last 2 years then I will possibly reassess this in the second quarter of 2024. Do you have student loans? Are you planning to pay them out ASAP or take the minimum approach? Follow: @sole_parent_wealth ✨J.
We serve a diverse clientele of both individual and commercial clients, from first-time homebuyers, to those saving for children’s education, growing their business, or building towards financial independence. So we specialize in creating personalized, value-added plans that reflect the breadth of our clients. To learn more about the importance of a holistic approach to financial planning, read our latest blog at the link in bio . . . #financialplanningandadvice #corporatefinanceandplanning #debtrepayments #debtrepaymentplans #payoffdebtnow #smartspending #financialadvices #financialempowerment #financialadvice #generationalwealth #savingforahouse #financialgrowth #spendless #saveyourmoney #debtfreelifestyle #moneymindsetmatters #businessadvisory #yourmoneymatters #growyourmoney #retireyoung #financeblog #investinginyourself #wealthbuilding #montrealbusinesses #montrealbusinessowner #montrealbusinessowners #montreallocalbusiness #financialfreedomseekers
पाकिस्तान में चीन की सबसे महत्वकांक्षी परियोजना बेल्ट एंड रोड (BRI) पर संकट के बादल मंडरा रहे हैं। इस परियोजना के तहत ही शुरू किए गए चाइना-पाकिस्तान आर्थिक कॉरिडोर (CPEC) प्रोजेक्ट के 10 साल पूरे हो गए हैं। बेशक पाकिस्तान के प्रधानमंत्री शहबाज शरीफ ने इस परियोजना की जमकर तारीफ की है लेकिन इसे पूरा करने से पहले ही चीन ने हाथ खड़े कर दिए हैं। इसके बावजूद PM शहबाज ने भारत को भी न्योता दे डाला है कि वह इसमें शामिल होकर लाभ उठाए। रिपोर्ट के मुताबिक पाकिस्तान जहां CPEC परियोजना का जश्न मना रहा है, वहीं इस कंगाल देश में 25 अरब डॉलर तक उड़ा देने वाले चीन का दिवाला निकल गया है। #Internationalnews #SecurityThreats #DebtRepayments #PakistanChina #BRIProjects #Report
The 0.5% rise to 5% isn't great news tbh and I really hope they aren't making excessive profits as a result of it. I have been looking over my credit cards and only 2 have been hiking up my interest rates in line with the rises so far - Scary and Sporty (both the Mel's). Sporty I should be OK with but will still keep an eye on that one. Im a little worried about Scary, even though they have a lowish rate, the large balance means interest is quite a large chunk and this rise is going to hurt a lot! I'm planning on speaking with them next week and see what options I have. I did have a quick look at how these rises will affect the mortgages and right now im counting my blessings I don't have one at the moment. I just need to focus on bringing my current debts down. MissPS x #interestraterises #interestrates #5% #interest #debtrepayments #jun23 #budgeting #june23 #debt #financialfreedom #debtfreejourney #debtfreecommunity #debtfreecommunityuk #ukdebtfreecommunity #finance #ukfinance #penniestopounds #pence #pounds #misspennysterling #sterling #iamrich #iamwealthy #journeyonthesterling
Pakistan has achieved a current account surplus for the third consecutive month in May 2023, with the surplus reaching $255 million, up from $78 million in April. This positive trend is primarily attributed to increased exports and reduced trade deficit resulting from import restrictions. However, despite the surplus, Pakistan's overall balance of payments remains fragile due to low foreign exchange reserves. The International Monetary Fund (IMF) has expressed concerns about Pakistan's budget and the provision of much-needed assistance before the expiration of the IMF bailout program. Without IMF support, Pakistan's foreign exchange reserves are expected to further decline, potentially leading to default as significant debt repayments approach. Additionally, the absence of an IMF program limits Pakistan's options for securing new external funding. #Pakistan #CurrentAccountSurplus #TradeDeficit #Exports #ImportRestrictions #IMFAssistance #ForeignExchangeReserves #DebtRepayments #Default
वेदांत रिसोर्सेज (Vedanta Resources) तय सीमा पर कर्ज चुकाने के लिए काफी हद तक ब्रांड मॉनेटाइज़ेशन, रिफाइनैंसिंग और जनरल रिजर्व के ट्रांसफर पर निर्भर है। कंपनी की वित्त वर्ष 2023-24 में होने वाला कुल ऋण चुकौती लगभग 4.2 अरब डॉलर है। इसमें से कंपनी पहली तिमाही में ही 2 अरब डॉलर का भुगतान कर चुकी है। वहीं, बाकी बचे 2.2 अरब डॉलर में 1.3 अरब डॉलर का कुल कर्ज, इंटरेस्ट और इंटर-कंपनी लोन है। #Vedanta #VedantaResources #Companies #pharma #BrandMonetization #Refinancing #BusinessNews #BusinessStandardHindi #Debt #debtrepayments
China's major tech companies have suffered a substantial loss of $300 billion in market capitalization since the start of the pandemic, while American counterparts have seen a remarkable increase of $5 trillion. Bilibili, a prominent Chinese online entertainment platform, serves as an example, experiencing a sharp decline in market cap from $54 billion to approximately $6.5 billion in just two years. This significant drop has compelled the company to expedite debt repayments, jeopardizing its remaining cash reserves and necessitating drastic cost-cutting measures. #ChinaTech #MarketCapLoss #Bilibili #PandemicImpact #DebtRepayments #CostCutting #wwi #wittyworldinsights #karachi #currentaffairs #technews #science
Sri Lanka's foreign reserves are looking good - but for how long? Frontier Research's Arshad Ismail talks reality this Thursday on Kaleidoscope Ceylinco Life News Capsule #srilanka #lka #arshadismail #frontierresearch #economy #forex #forexreserves #exports #imports #debtrepayments #ceylincolife #newscapsule #kaleidoscopewithsavithrirodrigo #savithrirodrigo #prishanpandithagestudios #prishanpandithage
Sri Lanka's foreign reserves are looking good - but for how long? Frontier Research's Arshad Ismail talks reality this Thursday on Kaleidoscope Ceylinco Life News Capsule #srilanka #lka #arshadismail #frontierresearch #economy #forex #forexreserves #exports #imports #debtrepayments #ceylincolife #newscapsule #kaleidoscopewithsavithrirodrigo #savithrirodrigo #prishanpandithagestudios #prishanpandithage
May Expenses down to a T. It has been a high spend month. Groceries were lower than the 2 previous months and so was fuel but that is about it. It has been a full on month thats for sure and Takeaways is higher than it has been in months gosh we are getting lazy on it. Plus car expenses has been up there and an unexpected battery purchase. We are still making our debt goals but could be better and managing to put something away this month is a bonus. Until next month.... . . #expenses #debtfreejourney #expensetracking #expensemanagement #budgeting #budgetnz #budgetlife #budgetmum #debtrepayments #finstagram
#BREAKING: #BNNPakistan Reports. Pakistan's Foreign Exchange Reserves Decline by 2.7% as Central Bank Faces Challenges Pakistan's foreign exchange reserves held by the central bank have experienced a decline of 2.7% on a weekly basis, as revealed by data released by the State Bank of Pakistan (SBP) on Thursday. Read more: https://bnn.network/breaking-news/economy/pakistans-foreign-exchange-reserves-decline-by-2-7-as-central-bank-faces-challenges/ #ForeignExchangeReserves #CentralBank #PakistanEconomy #FinancialStability #SBP #ImportCover #IMFAgreement #FinancialSupport #EconomicChallenges #DebtRepayments #InvestorConfidence #EconomicResilience #ExchangeRate #FinancialStability #InternationalPayments #EconomicIndicators #EconomicOutlook #FinancialData #EconomicPolicy #LiquidReserves #FinancialAnalysis #EconomicForecast #DebtManagement #ImportObligations #EconomicRecovery #EconomicDevelopment #FinancialTrends #EconomicImpact #CurrencyReserves
End of May Debt Update. We are managing to make our regular $932 a month payment and an extra 1000 a month to try and get this down before its original end date which was Sept 2024. Current mature date is December 2023, but we are aiming for Sept 2023. We would love to put more on but our food and takeaway spending is out the gate🙄 i am stoked we managed an extra $1200 this month. Woohoo we are on the home stretch. . . #debtrepayments #debtfreelife #debtfreeliving #debtfreecommunity #budgetlife #debtshredding #instagram #monthlypayments