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Small Steps Out Of Massive Debt!

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  • astrocytic_kitten
    astrocytic_kitten Posts: 811 Forumite
    Part of the Furniture 500 Posts Name Dropper
    Happy Christmas Georgiana! You’re doing brilliantly 😊
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,060 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Merry Christmas and hopefully not too long until the debt is gone and you can start 2022 with a clean slate. Hope you managed to see your parents today. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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.

    The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
    Save £12k in 2025 #1 £12000/£7000
  • Four_Seasons
    Four_Seasons Posts: 916 Forumite
    Fifth Anniversary 500 Posts
    Oh very well done what an amazing start to 2022 x
  • The_Moo
    The_Moo Posts: 130 Forumite
    Part of the Furniture 100 Posts
    Wow! That is so exciting - delighted for you. You'll be starting 2022 debt free - congratulations!
  • crunchy_time
    crunchy_time Posts: 520 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    yay! Well done! Xx
    Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
    Current Mortgage: £235,698
    Emergency Fund = £8,256 Target £10,000
    Currently paying off CC £1204 - Saved £100 so far


  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Amazing news!  Well done - you made it 😁

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,393 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Thank you all so so much, your advice and encouragement means the world to me! :smile:

    I'm going to spend the next couple of days making a plan for 2022 and I'll do a round up post at the end of the year :) 
  • ChasingSunshine
    ChasingSunshine Posts: 237 Forumite
    Eighth Anniversary 100 Posts Name Dropper
    Well done!! Congratulations on being debt free, thrilled all your hard work has paid off 
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