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Unsure whether to consolidate - please advise
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zippygeorgeandben wrote: »Look at my signature!
:j
This is brilliant, absolutely fantastic and a huge well done to you zippy - you came looking for support and guidance less than 2 yrs ago.
You have come so far and acheived so much, I could burst with pride for you after following your journey from the first post on this thread.
:money:
DobbiI’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0 -
zippygeorgeandben wrote: »Look at my signature!:j
Haha, someone is very happy with themselves
well done!!! 0 -
Congratulations Zippy xzippygeorgeandben wrote: »Look at my signature!:jMFWB#2
MFTT5 #28
Save 12k 2020 #1110 -
What a jouney
Well done I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Well hello everyone! You didn't think I was going to disappear did you? Well I've just had my first full month of being debt free so I was excited to see what my finances looked like at the end of the month. I'm pleased to report I had an £800 surplus. The hard work should now start reaping dividends. If I can have months where I don't splash out on unnecessary luxuries then all should be good!
My 'needs' add up to nearly £1000 a month. It seems SO much but when rent and council tax add up to £670, I guess £330 on all direct debits/SOs isn't that bad I guess?
I'm really looking to tackle the electric bill though now. £82pcm for a small 2 bed top floor flat. It's too much. Thanks to this site I've seen that companies cannot charge you an exit fee when you're within 56 days of your contract ending. I think that's right so I intend to look at this.Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS0 -
I believe it's 49 days for energy exit fees.
Your energy company should have sent you a letter to tell you this
I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0 -
Hello everyone,
I want you to guide me on the next bit of this thread. It's been a journey hasn't it!
My next thought is to turn it into saving and recording my surplus at the end of each month. What do you think? I'm open to suggestions?
I really want to keep the signature I have worked on since starting this adventure (?!) so any suggestions are welcomed as I have received several PMs regarding this sticky since I started and wouldn't want it just to become dormant.
Thanks for reading.Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS0 -
zippygeorgeandben wrote: »Hello everyone,
I want you to guide me on the next bit of this thread. It's been a journey hasn't it!
My next thought is to turn it into saving and recording my surplus at the end of each month. What do you think? I'm open to suggestions?
I really want to keep the signature I have worked on since starting this adventure (?!) so any suggestions are welcomed as I have received several PMs regarding this sticky since I started and wouldn't want it just to become dormant.
Thanks for reading.
It really has been a journey and plenty of us cheering you on til the end ;-)
Your right though, this isn't the end. You now get to start a new savings journey. Who knows, you may buy a house, a yacht - anything is possible.
Recording your surplus every month is a great idea, it will keep your thread active and allow you to reflect on how far you've come.
My first thought about your signature - why don't you include in a post here. The reason I say this is as we go through life and different chapters, our priorities change. You may want to amend your signature in the future and by including it in a post, it will always be recorded here to look back on. It would be a shame if you felt bad about changing your signature in the future but this way you can.....if you ever want to
Hopefully others will come along with more ideas to help you.
Dobbi I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0 -
End Sep 2016 End August 2018
£8236.57 £0 (Tesco 4.8%) £0pcm
£6185.75 £0 (Zopa 4.0%) £0pcm
£5344.50 £0 (Sainsburys 0%) £0pcm
£2000.00 £0 (Sister 0%) £0pcm
Total debt £19.766.82 £0 Original DFD May 2019.
Ben's debt free signature. Saved to make way for a new shiny savings signature!Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS0 -
I would also use it to keep a record of your surplus. I would also start a 'savings snowball' rolling and would keep a record of that too. It's the same as a debt snowball except it is now for savings I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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