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Debt free before August 2023

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  • WinterWarrior
    WinterWarrior Posts: 6,113 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Poppy1984 said:
    Well done Poopy, that’s amazing progress ⭐️
    Thank you @WinterWarrior 😁😁😁
    Oh my goodness, spell check hates me! Hates me Poppy, I’m so sorry I called you poopy…I’m sure you’re not 🤣🤣
    thanks @CRANKY40for the heads up…I need watching! 😬
    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!
    Poppy1984 said:
    Well done Poopy, that’s amazing progress ⭐️
    Thank you @WinterWarrior 😁😁😁
    Oh my goodness, spell check hates me! Hates me Poppy, I’m so sorry I called you poopy…I’m sure you’re not 🤣🤣
    thanks @CRANKY40for the heads up…I need watching! 😬
    Haha don't worry about it I knew it was an autocorrect 😂😂😂 gave me a chuckle anyway 
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • anjyeah
    anjyeah Posts: 240 Forumite
    Third Anniversary 100 Posts Photogenic Name Dropper
    Oh my, congratulations for such progress! It feels like I have just started to read the earlier parts of your story and have accidentally reached the spoiler. I am looking at your diary title and your new debt-free date and I am gobsmacked. Congratulations! :star:

    My Debt Free Diary: Virgo In Pursuit
    Debt-Busting Progress: 2020: £13,200 | 2020: £9,200 | 2021: £4,900 
    2022: ongoing 

  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    anjyeah said:
    Oh my, congratulations for such progress! It feels like I have just started to read the earlier parts of your story and have accidentally reached the spoiler. I am looking at your diary title and your new debt-free date and I am gobsmacked. Congratulations! :star:

    Thank you so much @anjyeah 😁 it's been a real tough journey but one that I needed to go through to get to where I am now. I've learnt so much that I hoping will keep me out of debt once I'm debt free 🤞🤞🤞 

    good luck on your own journey, you've got this!! 

    Poppy :heart: 
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,088 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Well done on your progress.  Hopefully less than a year to go. 
    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
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  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Well done on your progress.  Hopefully less than a year to go. 

    Thank you @enthusiasticsaver definitely less than a year to go if I stick to my usual payments the last one will be March 2022. However I am still hoping to overpay and being that forward if I can. Although it's quite a stretch I'm still really hoping for the end of 2021 🤞🤞🤞

    Poppy :heart: 
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
  • FootyFanDan
    FootyFanDan Posts: 1,716 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Poppy1984 said:
    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:
    Nearly 😃, just this month left to pay and I will be debt free. Not going to lie its been a tough 6 months to be honest but the end is in sight. 
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Poppy1984 said:
    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:
    Nearly 😃, just this month left to pay and I will be debt free. Not going to lie its been a tough 6 months to be honest but the end is in sight. 
    Oh wow @FootyFanDan that is incredible!!!!! 😁😁😁 how exciting!!! So so pleased for you, huge well done!!! Sorry to hear it's been a tough six months. Cheering you on, that debt free status is nearly yours, what an achievement 🎉🎉🎉 

    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
    Well done Poppy for your progress and to @FootyFanDan. Just caught up...
    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
  • Poppy1984
    Poppy1984 Posts: 628 Forumite
    Fourth Anniversary 500 Posts Name Dropper I've been Money Tipped!
    Hi 👋 
    well I'm getting closer to debt freedom but also moving further away 😞 circumstances have a changed a little and my income has dropped but my outgoings haven't! Also my ds needs some financial support. It's not going to put me into any more debt but it's certainly going to slow/stop me overpaying for a little while I think. 

    Feeling a bit rubbish about that as I was so excited to have it paid off by the end of the year but it's really not looking possible now. I think it will be next year now. 😞 I know in the great scheme of things a few months isn't going to make much of a difference really. 

    I've looked at the usual things to raise a bit of cash, sell something (haven't got anything to sell) bank switch (none available I've not already had) prolific (very slow atm) shoppix (plugging away but taking a while to build because I don't shop much) any other ideas would be gratefully received!! 

    I'll update totals this week sometime. 
    19-02-18 Total Debt £30,322
    17-12-21 I'm Debt Free 🎉🎉🎉🎉
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