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My journey to happy and debt free
Comments
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Good to see you back, I'm sure you'll get back on track 🙂
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345
Clear the M&S Card Starting Balance 03.05.26 £600
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Glad you stopped the overspending before spiralling out of control again. June 21 is not bad considering the amount of debt you had and if the cards are all 0% that is good.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.
Save £12k in 2026 Challenge £12000/£7500
365 day 1p Challenge 2026 £667.95/£296.46
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php2 -
Thanks enthusiasticsaver
I think I felt too safe with everything being 0% and I just let my foot off the break. But it’s the only way to learn and no damage has been done and my mood hasn’t taken a dip.1 -
That is incredibly common to stop with debt busting once it is at 0% and just let it coast. The thing is though unless you repay it before the end of the deal period you will need to balance transfer again at the end of the period which costs. Have you set the direct debits at levels high enough to repay it?Louoffofsparkle said:Thanks enthusiasticsaver
I think I felt too safe with everything being 0% and I just let my foot off the break. But it’s the only way to learn and no damage has been done and my mood hasn’t taken a dip.
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.
Save £12k in 2026 Challenge £12000/£7500
365 day 1p Challenge 2026 £667.95/£296.46
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php1 -
My dd’s are set to minimum but I’m paying extra towards the one that the 0% deal is up first. Got a spreadsheet with what I need to pay each month to clear them before the deals are up0
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