Dolly's list for life.......

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  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    • 1/20 NSD - Spent nowt yesterday!
    • Didn't spend on the SBCC
    • Didn't buy anything unnecessary
    • Stuck to my CWP 100% for the day which will contribute to my 14lbs loss this month
    • Banked £20.16, £20.16/£75 (Paid this towards my CC)

    Dxxx
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Good morning,

    So I have been going back and forward with the idea of using all my savings to just get the debt as low as possible and today I decided to just do it.

    Paid an extra £1769.96 to the BC and the total of my debt is now £659.78 :j:j:j

    That realistically could be PIF next month, I am beyond happy.

    Dxxx
  • beanielou
    beanielou Posts: 90,647 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Great news :j :j :j
    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.
  • Homegrown0
    Homegrown0 Posts: 1,280 Forumite
    First Anniversary Name Dropper First Post
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    That is awesome! It's always a scary decision to use all your savings to pay off debt, but if you can pay it in full next month and spend a couple of months building up your savings again, i think you'll be much happier!
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Thank you :D

    Yeah that's the plan, as soon as the debt is paid off it is time to build up the savings, I just feel better getting rid of this debt ASAP rather than having money sitting in a bank account for really no purpose.

    I cannot wait till payday already!

    Dxxx
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Morning all,

    So still feeling good about my decision to pay the debt off with the savings, I am now only in debt of 3 figures!!!

    Can't wait to set out my 2019 goals, the savings will take a little bit of a back burner until around August time because I have a hen do in Blackpool, a wedding in Paphos and my girlie holiday to save for! None of this spending will go on a CC at all.

    I am also going to cancel my Barclaycard as soon as it is paid in full, will keep the Sainsburys CC but there is no need to have them both as they will only be used in future in real dire emergencies while I don't have savings or to pay for large purchases which I will pay straight away with savings just so I can get my Nectar points.

    Anyhoo I'm in work so best go actually do some of what they pay me for!

    Dxxx
  • beanielou
    beanielou Posts: 90,647 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Good idea on the CC's.
    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.
  • Treadingonplaymobil
    Treadingonplaymobil Posts: 1,895 Forumite
    First Anniversary First Post
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    How exciting to be staring down the barrel of being debt free!
    Trying to figure out a whole new life. Trying to figure out a whole new budget.
    Divorcing, unclear on final debt total right now, but focusing on building a financial buffer zone.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    I know, so exciting!!!

    Literally cannot wait to call and cancel this BC, will be the best day ever!

    Dxxx
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Wont be long until you cancel this :)
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
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