Stop me please

enjoyyourshoes

Just before you become debt free you need a plan of what you want to achieve, what are your goals (couched in financial terms).

This will become your new objective (the old one to be debt free was achieved)

Make the objective smart (specific, measurable, achievable, realistic , time- bound)

Agree with partner. or tell someone what you want to achieve (sharing makes us commit more)

Set plan to start saving ! Use MSE to get best interest rates. Then benefit from compound interest instead of its slave.

Regular savers are great for this with some still offering 6%

All the other stuff above also has to be worked on to stop the 'impulse/compensation/or whatever makes you spend.

Have picture of the new goal and mark off each month what you have achieved on it. EG I want to buy a house, colour bricks in when you have save £xxxx .

Use Excel to accrue for your annual bills, you daily bank reconciliation and budget tools.