And begin...

sunnyface

Hope things are going well with you, too! :beer:

Unfortunately, I have hopelessly overspent over christmas and January. Budgeting like mad to try to get back on track. Really want to save a bit for a summer holiday so determined!!

Hope your budgeting is working a bit better than mine

sunnyface

Not been on of ages. Have been keeping on track as much as possible and it is heartening to see the debt figure come down, although it is so, so slooooooow.
Managed to get the kids off on a couple of cheap breaks over the summer too, and new uniforms were managed through hand-me -downs and Clark's factory shop so lots of savings made there. :D

sunnyface

And more years have passed. Have stuck to the DMP and managed to bring the £47000 debt down to £16754.

Can’t believe how long it has taken, but really want to find a way to get rid of the last third much more quickly than before.

This year, I want to reduce it to under £5000 - this is going to be tough, but I’m ready!!