We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
I Thought I'd Be More Excited.....
Comments
-
You have done so well A big well done to you i do agree what people have said you will see a big difference come next month when you see a difference with your financesPROUD TO BE DEALING WITH MY DEBTS:j
£1 a day savings pot started 23 January 20120 -
Congratulations on making that final payments and all those payments along the way. Well done for not giving up hope or going off track. Stay on MSE - you are more than welcome. I think that we need support to stay on track as we get closer to or reach debt freedom to make sure we don't go backwards.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.3K updated 17/4/260 -
Congratulations and well done!!!
You will be walking on the clouds next month when you don't have any more payments to make.
Save for a lovely holiday with your children and see their happy faces enjoying all that you used to NOT be able to afford.0 -
maybe a change of focus now join the old stylers and xmas boards and learn some new money saving - it will be useful before xmas to prevent slipping back into debt.DMP 2021-2024: £30,668 £0 🥳
Current debt: £7823.62 7720.52 7417.940 -
Well done!!!
I had the same experiance a few weeks ago i was finally able to pay the balance through the help of the cccs and then with the help of coming into a small amount of money to be able to clear the rest off my dept off, but when i called them to pay it off they were rude and unhelpfull, like they didnt want me to pay it off!! And i havent had any paper work either!
As for not feeling excited, i was the same and it still feels very strange that i can go out and get little bits and not having to worry as much. I think it will always be there as now i am much more aware of how easy it is to get in trouble. But enjoy not having to worry about it
xx0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604.1K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards