Emergency fund £8,500/£8,500
Mortgage overpayment £260
Debtfree!
£21,228.07 paid off in 22 months
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Tidying up the mess
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Not to wish your month away, but this time next month, you'll be at something like 95% paid off
You've worked so hard for this, it's amazing work.
I'm not sure I really know what DF life is like yet - it's a bit like finishing a really long book, and suddenly realising you need to find something else to doI do keep checking the CC app to make sure it is still at zero, which is absurd as it hasn't been used in months and months and months, so I know fine well it is at zero :rotfl:
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Oh how brilliant Babystepper not long until financial freedom . I am getting things into place for myself to hit the rest of my debt hard this year. I am hoping in 12 months I will be debt free as well.
You have done so well . Glad to hear you enjoyed the wedding.Life is an adventure, never stop exploring.1 -
Oh wow just look at those figures :T :T
Simply fantastic to see your hard work and determination paying off x1 -
I was just thinking the other day that I hadn't seen your diary recently. Only two more payments to go, how exciting. You will love being debt free. Get all your saving goals ready so that you can start building up the different pots. The hardest thing to do will probably be to start spending money again. Once you have lived frugally for a while it becomes such a habit that you will not want to waste any of your hard earned money. It just means that you always get the best out of your money instead of mindlessly frittering it away. it also means you usually have money to do the things your really want to because your savings will build up more quickly than you think. Anyway two more months and the choice is all yours. Well done.1
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Almost there now. Well done on your progress so far.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/£301.35
Save £12k in 2025 #1 £12000/£80001 -
I haven't seen your diary before, but I read the whole of the first page. I should be doing work rather than procrastinating on here so skipped to the last page to see how you are getting on, only to find out that you are almost there! Well done! You must have been 100% focussed. You have inspired me! I will take the time to look through the whole thread at some point. Good luck for the next 60 days!
https://forums.moneysavingexpert.com/discussion/6086606/debt-free-by-23/p1
True LBM, December 2019 = £32934. Current Debt = £12762. 1% Challenge = 61.1%. #51 3-6 Month EF Challenge = £1200/£6000
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I ducked in today to see what was happening, and this place is unrecognisable. I don't know how to find anything, where have my subscribed threads gone? This is terrible and barely an emoji in sight to emphasise that.
Hope everyone else is coping better than me.3 -
BabyStepper said:I ducked in today to see what was happening, and this place is unrecognisable. I don't know how to find anything, where have my subscribed threads gone? This is terrible and barely an emoji in sight to emphasise that.
Hope everyone else is coping better than me.. Subscribed threads are under bookmarks.
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/£301.35
Save £12k in 2025 #1 £12000/£80002 -
Babystepper you can use your own emojis now 🤷🏻♀️🙇🏻♀️😀😀.Life is an adventure, never stop exploring.1
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Thanks my lovelies.
Just needed a bit of encouragement. Not sure about using my own emojis, am I supposed to have some of my own? What does that even mean?
Wow, I'm a technophobe.
Overall, I'm having a quiet day and possibly a night out this evening, if I can be bothered. It's been a while so I really should make an effort. It's also been quite a tricky week though and I could do with some relaxation time.
Hope everyone is well and ready for this storm that's supposed to be hitting any minute...Emergency fund £8,500/£8,500
Mortgage overpayment £260
Debtfree!
£21,228.07 paid off in 22 months3
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