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No more debt, now what? Searching for happiness.
So here's my old debt diary Getting rid of that debt in 24 — MoneySavingExpert Forum I've paid off the debt and am working on changing my habits to make sure I don't run up any more and more importantly spent intentionally and feel in control of my money. I record all my spends and work to a zero budget. This month things…
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Life after debt.
Morning, I have been on the DFW board since Jan 2017 and finally became debt free in April 2021. I found I no longer fitted there a few months ago , and some things didn't sit right with me so closed my diary. Have decided this is the place for me now. Semi retired working two days a week, age 61 living alone in HA flat so…
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Making a budget (and sticking to it!)
Hello fellow savers! I think this is the best board to post my new diary now that we are mortgage-free. Having paid off the mortgage about a year ago, we thought we were saving towards early retirement for DH (he is 6 years older than me) but life threw us a curve ball and he has had to take a new job for the sake of his…
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I find it hard to spend
I have a problem and I feel its affecting my life. I find it difficult to spend money. Ive always been bought up to be a saver - count the pennies and the pounds will take care of themselves kinda thing. It's worked OK so far. Im 44. Married with 3 children (now teenagers). No mortgage. expensive car on the drive. Over…
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From living in an overdraft to 30k pounds saved and invested in four years
Hi all prior to covid I was livign in my overdraft. Four years later I have saved 24k pounds. Most of it invested in the ftse global all cap index fund which is up currently 5k. The rest is in high interest savings. I have done all the bank switches and all the deals on MSE I can. Thanks a lot for everyones help here! I am…
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My savings goals
"Hello! Well, a bit about me: I'm 38 and have always been very careful with my money. I earn £25,000 a year. I have a mortgage for £79,000 at 2.79% fixed until 2027. I have been saving hard for about 1.5 years, which was great with the rise of interest rates. I have saved to date £15,500. I'm hoping to get to at least…
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Starting savings again
This year I am determined to get savings in my bank. Became debt free in 2022 and since then I have stagnated and not put the same effort into saving. I have joined the penny saving challenge and the envelope saving challenge. I am setting myself a target of £5000 this year so I need to keep a tight rein on my spending. I…
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Time to build my future
So at the beginning of September I finally became debt free - apart from my mortgages, and my debt free diary helped me so much so I thought I’d try and keep it going in order to build some savings. In terms of savings, I am setting up an emergency fund of £1k, and I am setting up a regular saver to overpay mortgage when I…
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Saving for the next chapter....
I have only recently discovered this board and it seems like a better place for my musings than the DFW Planning for the next chapter.............. — MoneySavingExpert Forum This was my original post so I won't bore anyone with the full details but essentially I'm seeing how much I can save to allow me to retire before my…
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Is 2023 my year?
Will 2023 be the year that I get on the property ladder? 🤔 Currently sat at about £18K, £10K of which is his and the rest mine. The increased cost of living is biting a little in that I’m not saving as much as I should but I am sticking something away each month at least. Another rent increase in January isn’t going to…
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Saving for a firey future
Hi everyone, I was a regular on this forum many years ago and the tips and support helped me clear lots of debt including a 2k overdraft and plenty of credit card debit. I ran up most of that buying my ex out of our property. Got a lodger, sold everything got a second job and then met my now husband. He was super…
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Nearly 60 - where did that time go?
https://forums.moneysavingexpert.com/discussion/6176755/need-to-organise-budgeting-and-saving-more-effectively This is the thread that I originally posted in the Budgeting thread and Moving Forwards made the excellent suggestion that I popped along here. My updated savings are below, but next payday is 28th of the month,…
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30yo savings
I’m 30, run my own business, I’m constantly worrying about money! Even more so now as I’ve just purchased a new car which I need for work and my personal life. My entire savings are 16k (after buying the car) and I also have assets in a classic car and motorbike adding to around 20k. Am I doing ok or should I really have…
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Atrixa's Saving Diaries
Hello everyone! I'm 26 years old and currently renting a 1 bed flat in the North East of England. Due to not having a great income, I always thought I'd be renting forever but luckily, the North East has some of the most affordable (If you can call anything over £50k "affordable") properties in the country that aren't…
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Switching to LED systems for savings
Are there any business owners here who made the switch to LED at work? If so, how significant was the change on your electrical bill?
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I can see the light at the end of the tunnel, now my saving journey begins!
I am nearing the end of my debt free journey with just 48 days to go before I reach financial freedom! Its been a long time coming and I have hit many bumps on the road to get here. As I am close to paying off the last part of my debt I have been thinking about what to do and how I can get there in terms of my goals when I…
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How much have you saved???
Just a quick comment about this section of the forum. I visit here from time to time interested in how people save, sometimes from lower incomes. However, people rarely seem to talk abut figures, amounts saved and how they achieve them. Maybe I am missing the point of this part of the forum. Many of the posters write…
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Cosy blanket
I just wanted to introduce myself and tell you a bit about my thoughts and goals. I normally spend time on the MFW bored and have been putting money towards overpayments on my mortgage but I have in the last few weeks come to the realisation that before I continue I need to ensure we have a nice cosy security blanket and a…
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Living life on my terms..
Over recent years I've come to realise that I need to start living life on my own terms and to stop trying to meet other peoples/societies expectations. For a while, I was constantly putting myself under unnecessary pressure in many areas of my life, thus creating extra additional stress that then started to affect my own…
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Magazine subscriptions
My first post, sorry if I don't know the conventions. If you took advantage of a very attractive introductory magazine postal sub (70% or more off) and were annoyed to be kicked off the reduced run-on price, when far better offers were still being offered to new subscribers, you could try this. Let the sub lapse, buy the…
