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Debt free before August 2023

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  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Hi Horseeataallmymoney :smiley:

    thank you for popping by and reading my diary! Thank you I have had some really dark times where I have just felt stuck but I feel like things are starting to move in the right direction now and the light at the end of this very long dark tunnel is starting to appear. Which literally makes me so excited :smiley: 

    Poppy :heart:
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Hello Diary 
    fanfare please........my new debt total is £13,425 and my new DFD is January 2023 :smiley: woop woop!!!!!! Super chuffed and excited!!! :smiley: I've already worked out if I could possibly over pay by £240 this month it would knock another month off which would take my DFD into 2022 :smiley: which is super excited!!! The end is in sight people. So that's the aim for this month not sure if I'll manage it or not but its something to aim towards. 
    I'm so happy that the total is in the 13 thousands now, I think I'm definitely on track for getting it to £10,000 by the end of this year :smile: I think it will feel so good to start 2021 with less than £10,000 debt. Eeeeeep so happy! :smiley:
    Weirdly since I posted about prolific I've managed to earn £5 so I'm just going to leave that ticking away until 14th July (day before next pay day) it would be fab to have £20 in there by then. Also my shoppix has taken an age to get to £20 with not getting much shopping but that's nearly there so that would be the £40 over payment I'd just need to find the extra £200 lol and could get that DFD into 2022. 

    Will update as I go along this month aiming towards the £240. I also joined i-say not 100% sure about it I've had a couple of surveys on it so far. I don't like it when you get told you cant do it after answering a load of questions that's why I like prolific. I might just stick with it and let my points tot up then could use them towards amazon vouchers for xmas maybe. 

    Poppy :heart: 
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Great work bringing the DFD closer! You're making such good progress :) 
    Debt Feb 20: £13,212.12
    Debt March 21: £0!
  • Congratulations poppy!! :smiley:
    like you said the end is in sight ! Great that hitting them milestones gives you such a boost too as it can’t be hard to stay motivated sometimes xx I had loads from prolific got to my £5 and have had nothing since I will give isay a google x
    Pennies starts again...........2022 - £13,579.22  



  • Sarahwithlove
    Sarahwithlove Posts: 3,399 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    It's so great seeing your DFD go down. Prolific has gone quite quiet for me lately which is frustrating as I had done quite well from it during lockdown. Keep up the good work 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Thank you everyone :smiley: feeling super pleased with my progress! I dreamt last night I won some money but woke up before I got it lol! Maybe it's a sign haha 

    poppy :heart: 
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad things are improving for you. Always exciting to see your DFD moving closer.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,088 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Fantastic progress to knock so many months off and it would be even better to get it to £10k by the end of the year. Impressed at all the extra bits you are managing to earn too.  Every little bit helps. 
    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/£391.55
    Save £12k in 2025 #1 £12000/£11000
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Thank you! Really pleased but now to last the next month! Feels so long, waiting for the 14th July which is when I'll be able to make the next overpayment. 
    Really need to keep focused and positive 

    Poppy :heart: 
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • Scloud
    Scloud Posts: 63 Forumite
    Second Anniversary 10 Posts Name Dropper
    Congratulations! You are so close - I am sure that you have had some really tough and disheartening times so it must feel brilliant to be much over half way now! 
    LBM November 2019
    Starting Debt: £52,803
    September 2021 total: £36,471
    Total paid: £15,683 29.9%
    My debt free diary: https://forums.moneysavingexpert.com/discussion/6110976/here-s-to-the-future/p1
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