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  • FIRST POST
    • moomin82
    • By moomin82 14th Oct 16, 12:15 PM
    • 186Posts
    • 132Thanks
    moomin82
    Nearly debt free!
    • #1
    • 14th Oct 16, 12:15 PM
    Nearly debt free! 14th Oct 16 at 12:15 PM
    I've worked hard to pay off my credit card debts over the last few years. At the highest it was £12K. I now have just over £300 left to pay off on my last credit card and to clear my overdraft.
    There is light at the end of the tunnel, stick with it and use all the help you can here.
    I am slowly learning to avoid unhealthy spending patterns, especially when I am feeling down (I have suffered depression and anxiety), and focus on my long term goals.
    Feeling hopeful!
    Goals for 2018: Save £1,000 a month - Save £10,000 by October £225.00/£10,000
    Holiday fund: £0 / £2000
Page 1
    • sourcrates
    • By sourcrates 14th Oct 16, 12:21 PM
    • 13,056 Posts
    • 12,366 Thanks
    sourcrates
    • #2
    • 14th Oct 16, 12:21 PM
    • #2
    • 14th Oct 16, 12:21 PM
    Well done you !!!
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • EssexHebridean
    • By EssexHebridean 14th Oct 16, 1:19 PM
    • 8,307 Posts
    • 44,239 Thanks
    EssexHebridean
    • #3
    • 14th Oct 16, 1:19 PM
    • #3
    • 14th Oct 16, 1:19 PM
    Good work! What a lovely post too!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£758.45 (19/12/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Keedie
    • By Keedie 14th Oct 16, 1:19 PM
    • 240 Posts
    • 1,000 Thanks
    Keedie
    • #4
    • 14th Oct 16, 1:19 PM
    • #4
    • 14th Oct 16, 1:19 PM
    Keep up the fight moomin82!

    I also suffer from depression and anxiety and know that this can cripple or undo debt free efforts . So to be at the very last hurdle it must be a big boost . Just take each day as it comes and you won't slip back.

    Don't forget to post on the Debt Free Roll of Honour when you pass the finish line...

    xx
    LBM 27/06/16 = £31,400.57 (7 creditors) BUT on 03/01/2018 = £15,969.52/£31,400.57 (6 creditors) = 50.86% repaid
    Aiming to be Debt Free = 31/12/2020
    • MrsSave
    • By MrsSave 14th Oct 16, 1:32 PM
    • 1,403 Posts
    • 4,499 Thanks
    MrsSave
    • #5
    • 14th Oct 16, 1:32 PM
    • #5
    • 14th Oct 16, 1:32 PM
    Well done!
    YNAB - one of my favourite money saving tools
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • Westie983
    • By Westie983 14th Oct 16, 2:36 PM
    • 3,887 Posts
    • 14,397 Thanks
    Westie983
    • #6
    • 14th Oct 16, 2:36 PM
    • #6
    • 14th Oct 16, 2:36 PM
    I've worked hard to pay off my credit card debts over the last few years. At the highest it was £12K. I now have just over £300 left to pay off on my last credit card and to clear my overdraft.
    There is light at the end of the tunnel, stick with it and use all the help you can here.
    I am slowly learning to avoid unhealthy spending patterns, especially when I am feeling down (I have suffered depression and anxiety), and focus on my long term goals.
    Feeling hopeful!
    Originally posted by moomin82
    The finishing line is in sight, well done you,

    Just a little bit further, you can do it

    Westie983
    Save 12k in 2018 #10 Total (£25,000)+£0.00/£12,000 = 0.0%
    Sealed Pot Challenge ~ 11 #97 Total (£410) + £0.00/£800 = 0.00% ( x 11)
    Xmas 2018 £1 a Day #2 Total £0.00/£365 = 0.0%
    Virtual Sealed Pot #1 Total £150.00/£1,000 = 15.00%
    £2 Savers Club 2018 #16 Total (£1,500)+-490/£2,000 = 50.50%

    Total £150.00/£16,165 = 0.92%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • moomin82
    • By moomin82 15th Oct 16, 9:55 PM
    • 186 Posts
    • 132 Thanks
    moomin82
    • #7
    • 15th Oct 16, 9:55 PM
    Feeling sensible
    • #7
    • 15th Oct 16, 9:55 PM
    Thank you all.

    I have had friends, family and a boyfriend give up on supporting me through my worries. I do not give up on myself. I am pretty sure I can do this by Christmas. Hooray!
    Goals for 2018: Save £1,000 a month - Save £10,000 by October £225.00/£10,000
    Holiday fund: £0 / £2000
    • moomin82
    • By moomin82 15th Oct 16, 9:59 PM
    • 186 Posts
    • 132 Thanks
    moomin82
    • #8
    • 15th Oct 16, 9:59 PM
    • #8
    • 15th Oct 16, 9:59 PM
    Hi Keedie

    Thank you for your honest post. Depression and debt seem to go hand in hand, anxiety, and the rest of it. Mindless spending only helped me in the short term, I still fight my shopaholic tendencies. Hope you are well and keep going Yes, taking each day as it comes is a good way to think.
    Keep up the fight moomin82!

    I also suffer from depression and anxiety and know that this can cripple or undo debt free efforts . So to be at the very last hurdle it must be a big boost . Just take each day as it comes and you won't slip back.

    Don't forget to post on the Debt Free Roll of Honour when you pass the finish line...

    xx
    Originally posted by Keedie
    Goals for 2018: Save £1,000 a month - Save £10,000 by October £225.00/£10,000
    Holiday fund: £0 / £2000
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