We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Debt free before August 2023

Options
1323335373849

Comments

  • Aspiration
    Aspiration Posts: 532 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    You’ve been incredibly well, look at how much debt you’ve paid off!! 

    Even if the year end doesn’t happen, you know you’ve done all you can. You’ve got so much to be proud of and we’re all cheering you along the way!

    Aspiration  
    April 2020 - £102,222 Loans/CC’s.

    Jan 2022 - £0
    Cleared - £102,222

    Jan 2022 - Now time to build suitable investments and a business!
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    You’ve been incredibly well, look at how much debt you’ve paid off!! 

    Even if the year end doesn’t happen, you know you’ve done all you can. You’ve got so much to be proud of and we’re all cheering you along the way!

    Aspiration  
    Thank you so much @Aspiration 😃😃 it's lovely to hear I'm being cheered on being in debt can be a very lonely place indeed! 

    So lucky to have found this forum it has helped me a huge amount over the years. 
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not long now. I have had a hiccup in my progress too. Keep plodding
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Not long now. I have had a hiccup in my progress too. Keep plodding
    Sorry to hear you have had a hiccup @savingholmes you will be there soon I'm sure! We both have the end in sight now!! 

    Poppy :heart:
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Let's keep cheering each other on. One day it will be gone!!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • FootyFanDan
    FootyFanDan Posts: 1,674 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Poppy1984 said:
    Hi 👋 
    Just a monthly update from me, life is so busy at the minute but I still want to keep updating my diary. 

    My new debt total is £3,688 I'm getting soooooooo close to becoming debt free and I am super duper excited about that!!!!! My new debt free date is now March 2022 😁😁😁 I'm still really hoping for the end of this year but won't be too worried if I can't make that goal as it's only a few months later anyway. 

    I honestly can't wait to be debt free, I can't quite believe it's becoming so close! To anyone just starting out or if you're reading this and you haven't started to tackle your debt yet and you feel like you'll never be debt free I honestly thought I was going to lose everything when I was up to my eyes in over £30,000 in debt I never ever thought this time would be possible but it is! And you can do it too! 

    Poppy :heart:
    Absolutely delighted for you getting ever nearer to that debt free date. You have worked so hard to get where you are so well done 🙂 x
    Days to Orlando: 462- ☀️🎢

  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Poppy1984 said:
    Hi 👋 
    Just a monthly update from me, life is so busy at the minute but I still want to keep updating my diary. 

    My new debt total is £3,688 I'm getting soooooooo close to becoming debt free and I am super duper excited about that!!!!! My new debt free date is now March 2022 😁😁😁 I'm still really hoping for the end of this year but won't be too worried if I can't make that goal as it's only a few months later anyway. 

    I honestly can't wait to be debt free, I can't quite believe it's becoming so close! To anyone just starting out or if you're reading this and you haven't started to tackle your debt yet and you feel like you'll never be debt free I honestly thought I was going to lose everything when I was up to my eyes in over £30,000 in debt I never ever thought this time would be possible but it is! And you can do it too! 

    Poppy :heart:
    Absolutely delighted for you getting ever nearer to that debt free date. You have worked so hard to get where you are so well done 🙂 x
    Thanks so much @FootyFanDan 😁 how are you getting on? Are you debt free now? 

    Poppy :heart:
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 18 July 2021 at 10:58AM
    Well done Poppy, that’s amazing progress ⭐️
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Well done Poopy, that’s amazing progress ⭐️
    Thank you @WinterWarrior 😁😁😁
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.