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!
Debt-Free Wannabe ASAP
Comments
-
Hi Tempus
Finally got round to reading through your diary, you're doing grand so far. Just keep plugging away at it, March is not too far away. Hope you have a good SundayMortgage 26.4.25 - £108,500 1.9.25 - £106,033.77
Mortgage overpayment savings - £0.35/£50
Mortgage overpayments so far - £738.970 -
Just had a read through your diary, you are doing so well, just try and hold out till March and then you will find things so much easier you can do it. Going to subscribe as I'm sure you will get there.
Reb0 -
How are you doing Tempus?Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
HairyHandofDartmoor wrote: »How are you doing Tempus?
To be honest I'm struggling! I have to have root cancal in the nextfew weeks which is going to be set me back £240. I just cant seem to get ahead of myslef! Feeling so deflated22.08.2017 start of my journey
Loan = £6200.00/£466.01 Barclays Card = £1631.36/ 1968.00 Tesco Credit Card = £3500/3236 NatWest Credit Card = £1422.34/ £1534 Littlewoods account = £104 / £40.600 -
Sunnny side of a root canal - you're not going to feel like going out and spending money for a few days! As long as you can stay off the internet you should get some NSDs out of it. Get the bf over to come and coddle you - have him bring you lots of ice cream and a cosy movie and snuggle up.
Thinking about the gym contract, can you save yourself any money by making more use of it? One of my colleague has saved a chunk of her energy bills by showering at the gym each morning before work rather than at home and it's helped keep her motivated in attending sessions there.
Are you having any luck with YNAB?Mortgage
June 2016: £93,295
September 2021: £66,4900 -
That is frustrating to have to fork out for the dentist. It does sometimes feel like one step forward and two steps back. But you would have had to pay the dentist anyway and at least you'll have nice teeth
.
Great idea from Nk re ice cream and cuddles, a cheap way to cheer yourself up.
We all have bad patches but if you keep going it will be worth it in the end.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
By the way that sounds like an awful lot of money just for root canal work. Are you with a private dentist? I changed to an NHS dentist a few years ago after forking out £1000 on dental fees in one year :eek:. An NHS dentist would only charge about £56 for root canal work.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
I would also say check if there is an NHS dentist who will do this a lot cheaper for you. Either that or ask your dentist if you can pay over a longer period of time.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/£391.55
Save £12k in 2025 #1 £12000/£120000 -
Sorry the entire treatment including the crown is that. It's crazy22.08.2017 start of my journey
Loan = £6200.00/£466.01 Barclays Card = £1631.36/ 1968.00 Tesco Credit Card = £3500/3236 NatWest Credit Card = £1422.34/ £1534 Littlewoods account = £104 / £40.600 -
That explains it then. I always pray I'll never need a crown _pale_ A dentist told me years ago that I might need a crown soon and I thought not if can help it, So I avoid toffee and boiled sweets like the plague, still havent had one :rotfl:
Well if it has to be done, it has to be done. I rarely eat sugar and clean my teeth really thoroughly to try and avoid dental work as even on the NHS it can be pricey :eek:Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards