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My lightbulb moment was June 2019
Comments
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Great start. Good luck on sticking within your budget and getting the DMP set up without hiccups. Good result in clearing the paypal overdraft and a shop line of credit.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/£10,000
365 day 1p Challenge 2026 £667.95/£600.31
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php0 -
Just read from the start and am so impressed. You are tackling this warts and all. Well done to you for telling your husband and to him for his support. I’ve been there with the whole unable to breathe due to anxiety but didn’t recognise what it was so, well done you.
Can I ask, given your previous spending habits, is there anything you could sell to kick start your emergency fund? Also, do you have a figure in mind for it?
Can’t wait to see you nail this.June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest0 -
Following- good luck!0
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