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Journey to the debt-free wilderness
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Boppy30
Posts: 28 Forumite
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Just wanted to say you have made a good first start.
Keep going!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.0 -
I would leave the payment as it is set by Payplan.
That gives you wiggle room if you need it.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.0 -
Oh honey..
I've no idea what f&f is but I'd go with step changes advice as they are the experts.
Having a bit of financial wiggle room does help you breath and prepare!
I've dug myself out of debt.. it took me years but it was worth it.
Good luck# 36 1p challenge 2024 - £536.60
#13 POYD by Christmas 24 £2875 / 81380 -
Yes I agree, stay with Stepchange's calculation. if you want to pay more occasionally they are happy to amend the Direct Debit for that month (with some notice.) They don't ask why.I've been with them on a DMP for years, like you're planning to do, and I think it works well as you still have money to live on/save too.
Very best wishes for your debt-free journey.0
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